Cars and Trucks

Safeway Insurance: Everything You Need to Know

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Safeway Insurance has been providing 13 U.S. states with insurance for over 50 years. They have a wide range of policies available, as well as discounts for qualified drivers.

What is Safeway Insurance?

Safeway Insurance has been an auto and home insurance provider since 1959. The company was first founded in Westmont, Illinois, but now offers insurance to the following states:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Louisiana
  • Mississippi
  • New Mexico
  • Tennessee
  • Texas

    Insurance rates vary from state to state, depending on many factors. Your age, gender, and location will also determine your rates. Additionally, insurance companies will factor in your driving record and credit score. Other factors that can also affect your insurance rates include your marital status and whether or not you are a homeowner.

    But, according to Smartfinancial.com, a Safeway Insurance policy is $273.11 per month on average. They found the cheapest Safeway Insurance rates in Alabama with an average of $208.08 per month, and the most expensive rates in Louisiana at $342.06 per month.

    Why Choose Safeway Insurance?

    Safeway Insurance is just one of the insurance options available. They are an established company with overall, good ratings, making them a trustworthy insurance choice. You might choose Safeway Insurance if you prefer to work with an independent agent when buying your insurance policy. They are also a top choice for drivers who need an SR-22 or international insurance.

    Safeway customers often enjoy the variety of payment options available. You can pay for your insurance policy via phone, online, or by mail. Getting a copy of your policy is also easy with Safeway Insurance. You can print your card online or request it by mail.

    It is always a good idea to look into a company’s policies and requirements for insurance when choosing a provider. According to Insurify.com, many customers have reported a satisfactory process in filing claims with Safeway Insurance. They offer 24/7 phone support, which can be helpful if you need to file a claim after-hours. But, other customers have reported slow service when filing a claim, having to wait a long period of time to receive compensation.

    Additionally, some customers have stated that the Safeway Insurance website does not always list the available discounts and that you will need to call to find out if you are eligible. Also, they do charge a late fee with their grace period, leading to a higher cost if you miss your payment’s due date.

    Canceling your policy with Safeway Insurance is easy. All you have to do is contact your agent. But, before canceling your policy, be sure that you are covered by another provider first. Gaps in your insurance can lead to expensive out-of-pocket costs if you are in an accident. Additionally, some insurance providers may charge you a higher rate if you are not currently insured.

    What Type of Insurance Does Safeway Offer?

    Safeway Insurance offers homeowner’s, auto, condo, and renter’s insurance. You can get the following types of coverage with them:

    • Bodily injury liability is a requirement in most states. It covers any injuries that you cause in an accident.
    • Property damage liability is also a requirement in most states and covers property damages that you cause in a car accident.
    • Comprehensive coverage covers damages not related to an accident. This might include theft, vandalism, or storm damage and it usually requires a deductible.
    • Collision coverage covers your damages in an accident. It also usually requires a deductible to be paid before receiving compensation.
    • Uninsured/underinsured coverage covers your medical bills if you’re in an accident with someone who doesn’t have liability insurance coverage.
    • Medical payments coverage covers a higher amount of medical bills if you, or your passengers, are injured in an accident.

      Safeway Insurance also offers personal injury protection. PIP is similar to medical payments, but often covers other costs related to an accident, such as lost wages or medical expenses, regardless of who is at fault.

      Always evaluate how much coverage you need, as it directly affects your insurance rates. If you drive a lease or a vehicle with a loan, you may be required to have full coverage, which is a policy that includes comprehensive and collision coverage.

      What Insurance Discounts Does Safeway Insurance Offer?

      Discounts can reduce your insurance rates. Safeway Insurance offers the following types of discounts:

      • Continuous coverage: Proof of prior insurance coverage can decrease your insurance rates.
      • Multi-car policy discount: If you have more than one vehicle, bundling your policies can also lead to reduced rates.
      • Pre-pay: You may be able to save on your insurance rate by pre-paying your policy in full.
      • Safe driver discount: Driving safely and avoiding traffic violations can lead to reduced insurance rates.

        It is always a good idea to check if you are eligible for any of these discounts. You may also be eligible for additional discounts, which you can learn more about by asking your agent.

        Discounts can help you reduce your rates, which may be especially important if you have a less-than-perfect driving record. Your rates can increase following just one speeding ticket. But, some insurance companies do allow you to take a driver safety class, which can avoid a rate increase following a traffic violation.

        Shopping around is also an important step in finding the right insurance provider, at a good price. While one insurance company may be the right choice for one driver, it may not be the right one for you.

        How to File a Claim With Safeway Insurance

        Filing an insurance claim with Safeway Insurance is relatively simple. You will need to:

        1. File a police report: You will need to file, and request a copy, of the police report. Safeway Insurance will use this information to process your claim.
        2. Notify your insurance agent: You need to notify your agent of the accident as soon as possible. You can easily report an accident with Safeway Insurance 24/7.
          1. Your insurance company will usually take over after that. They may ask you for additional details or talk with the other drivers involved in the accident.

            Safeway Insurance is one option if you live in one of their 13 covered states. Shop around and compare Safeway Insurance quotes to other options in your area to find the best coverage and rates. Check this out if you need additional information, resources, or guidance on car insurance.

            Sources:

            https://smartfinancial.com/insurance-companies/safeway-insurance

            https://insurify.com/blog/car-insurance/safeway-review/

            https://www.caranddriver.com/car-insurance/a35620814/best-full-coverage-car-insurance/

            https://www.caranddriver.com/car-insurance/a35723520/standard-car-insurance-coverage/

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