UPDATED: Sep 5, 2020
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AutoinsuranceEZ.com Rating:Safety Insurance has been around since the very late 1970’s. During that time, they have grown to offer commercial auto, business owner insurance, homeowner’s, fire, and umbrella insurance; but their most popular insurance coverage is their personal automotive insurance coverage. As a matter of fact, more than two-thirds of their profits come from underwriting car insurance policies in New Hampshire and Massachusetts.
Safety Insurance Review
The ratings for Safety Insurance are strong in some areas, but could use some improvement in others. Their financial strength, according to AM Best, is stable enough to earn the company an A rating. This means that, should you need to file a claim, you won’t have to worry about them denying your claim due to lack of company funds. As far as customer satisfaction goes, some sources rate them highly, while others have a significant number of customer complaints on file.
|AM Best (2016)||A|
|Better Business Bureau (2016)||A+|
|BBB Composite Score (2016)||3.76/5 stars|
|NAIC Complaint Index (2012)||0.31 (Better than Average)|
|JD Power & Associates Auto Insurance Study (2013)||2 / 5 (Below Average)|
Safety Insurance Discounts
It’s difficult to find an automotive insurance company who doesn’t offer unique discount options these days. But because state laws differ between MA and NH, not all discounts may be available in all areas. Likewise, the maximum possible savings you might qualify for may not be exactly the same as advertised on their website. Your best bet is to contact a Safety Insurance agent near you for more specific details:
|Discount Amount||Maximum Possible Savings|
|Excellent Driver Discount||10 – 24%|
|Control Crash Prevention Program / Safe Roads Alliance||5%|
|Multi-Policy Discount||6 – 10%|
|Good Student (B, Dean’s List, Honor Roll)||10%|
|Student Driver Away from Home||10%|
|Electronic Billing Customer||7%|
|Safety Loyalty Customer||4%|
Safety Insurance Auto Insurance Options
The insurance coverage options available to you will depend on whether you live in Massachusetts or New Hampshire. Regardless of your state, though, Safety insurance policies include Liability coverage (property damage and bodily injury) and Collision coverage. Massachusetts policies also include no-fault Personal Injury Protection as per state law. Beyond that, you can add the following options to your policy if you live in New Hampshire:
- Safety Shield Coverage – includes Collision Deductible Waiver, Full Glass Coverage, Emergency Road Travel Expenses, Airbag Mechanical Failure Coverage, and Extended Substitute Transportation (rental car) Coverage
- Auto Loan/Lease Gap Coverage – if you suffer a total loss on a leased or financed vehicle, Safety pays the total cost of a replacement vehicle
In Massachusetts, your coverage options are a little more extensive. You can choose between Safety Shield Coverage, and Safety Shield Plus. The MA Safety Shield coverage includes:
- Disappearing Collision Deductible
- Rental Vehicle Loss of Income Coverage
- Guaranteed Replacement Cost
- Personal Effects
- Emergency Road Travel Expenses
- Supplemental Towing and Labor
- Air bag mechanical failure
- Extended Substitute Transportation (vehicle rental)
While the Safety Shield Plus coverage includes everything in the Safety Shield package and adds:
- Accident Forgiveness
- Expanded Personal Effects Coverage
- Pet Coverage
- Seat Belt Coverage
- Bail Bonds
Drivers in Massachusetts also have the option of adding Auto Loan/Lease Gap Coverage to their policy.
Comparing Safety Insurance Quotes
Any automotive insurance company can claim to offer the most competitive rates in your area. And sometimes they may be telling the truth – for certain types of drivers, that is: