Safety Insurance is an insurance company operating in Maine, New Hampshire, and Massachusetts. They began operating in 1979 and offer a full line of property and casualty products, including auto, home, and business insurance.
What you should know about Safety Insurance
Safety Insurance has been in business for over forty years. It is rated “A” by A.M. Best Rating Service, a global credit rating agency. According to A.M. Best, Safety Insurance has a “very strong” balance sheet and “strong operating performance.” This means that Safety Insurance has robust financial health, which is a good indicator that they are a reliable company that will be around for a while.
Safety Insurance also currently has an A+ rating by the Better Business Bureau. The Better Business Bureau rates companies based on their interaction with consumers, and A+ is the highest rating they award.
What types of insurance can you get?
Safety Insurance offers a wide variety of policies for various property and casualty needs. These include:
- Auto insurance
- Commercial auto insurance
- Homeowners insurance
- Dwelling fire insurance
- Personal umbrella insurance
- Commercial umbrella insurance
- Business owners insurance
Additionally, in Massachusets, Safety Insurance offers a commercial package policy that provides additional coverage for businesses, including equipment breakdown.
Besides these, Safety Insurance offers several types of enhanced coverage, including
- Safety Shield or Safety Shield Plus – which include items like a collision waiver of deductible, airbag coverage, transportation expense, accident forgiveness, and more
- Gap Coverage – which covers the gap between what you owe on your vehicle and what it’s worth
- Safety Supreme, Supreme Plus, or Safety Complete – which provide additional coverage to homeowners, including items such as increased replacement cost coverage, water and sewer backup, and ID theft coverage (depending on which package is selected)
- Navigator – Damage and liability coverage for boat, trailers, and motors
Discounts
Discounts are available for customers who have multiple policies, e-customers, customers who remain with Safety Insurance for four or more years, and those who have safety features in their home or vehicle. A discount is also available for those who take In Control’s Crash Prevention Training, which is offered at a discounted price for Safety customers.
Additionally, drivers can choose to enroll in the Drive With Safety program to potentially receive a 5% savings on their premium. This program involves downloading an app on your phone, which will then be used to monitor your driving habits for risky behaviors such as speeding and distracted driving.
Other features
Safety Insurance’s website allows users to search for an agent, pay their bills, and find VIP Claims Center locations for vehicle repairs. Users may also file claims on the website.
The mobile app has all of the same information available, with a few extra perks. You can use it to store your auto insurance card in your Apple Wallet, so it’s easily accessible, as well as to view the history of all your claims and payments received. You can also enable notifications to tell you when your license or registration are about to expire, or when a payment is due on your policy. These helpful features can save you the headache of being pulled over with an expired license or registration and give you one less bill to keep track of.
Pros of using Safety Insurance
Safety Insurance offers a mobile website with access to claim information and the ability to file a claim immediately. Their mobile app puts essential information at your fingertips, especially helpful when you’re on the go or in an auto collision. The VIP Claims Center for auto repairs is highly rated by consumers, but consumers also may choose to go to any auto repair company they prefer.
Cons of using Safety Insurance
One downside of using Safety Insurance is that it’s only available in three states. Besides that, to get a quote on coverage costs you have to go through an agent. While the agent can help you with questions and specific product information, this process can also be more time-consuming than filling in your information online and receiving a quote right away.
Safety Insurance is highly rated by both A.M. Best and the Better Business Bureau. While they only operate in three states, they have been in business for over forty years and offer a wide variety of property and casually products. They reward loyal consumers and multiple policy owners with discounts, and offer many other ways to receive discounts as well.