Safeway Auto Insurance Review
Learn everything you need to know about Safeway auto insurance in this post!
If you’re a college student shopping for auto insurance, you may be wondering if Safeway is a good option. In this article, we’ll take a look at Safeway’s auto insurance products and rates, as well as what kind of coverage they offer.
We’ll also compare Safeway’s rates with those of other popular insurers to help you decide if it’s the right fit for you.
Keep reading to learn more!
What is Auto Insurance and Why Do You Need It?
When you become a college student, you are independent and responsible for your own wellbeing. This includes finding and paying for your own housing and food, as well as ensuring your safety.
One way to help protect yourself is to have auto insurance. Auto insurance is a type of insurance that helps to cover the cost of damage to your car or the cost of injuries sustained in an accident. It can also help to cover the cost of repairs if your car is stolen or vandalized.
While auto insurance is not required by law in every state, it is a good idea to have it as a college student. Having auto insurance can give you peace of mind knowing that you are protected in case of an accident.
About Safeway Auto Insurance
Did you know that, as a college student, you’re nearly three times as likely as an older driver to be in a car crash? The risk is higher if you are newly licensed or younger than 20, with the risk heightening further if you’re driving at night or on the weekends (especially with little sleep).
And if you’ve spent any time in college at all, you know that sleep deprivation is a very common (and very real) experience for students.
If you already have auto insurance, starting college is a good time to think about reviewing your coverage. You need to make sure it has the coverage you need, regardless of whether you’re living on campus or commuting.
Comprehensive coverage is ideal if you’ll be parking your car outside and there’s a risk of damage or theft. Collision coverage is a good idea if you’ll be driving to or from class (and it’s required by law in many states). And if you’re leasing or financing a vehicle, insurance is essential, too.
The good news is that there are plenty of auto insurance companies out there that can help take some of the stress out of the process of shopping for insurance. Safeway is one of them.
So what exactly is Safeway auto insurance?
Safeway is one of the leading providers of automobile insurance in the United States. First founded in 1959 in Illinois, the company offers insurance to policyholders in the following states:
- Arizona
- Alabama
- Arkansas
- California
- Florida
- Colorado
- Illinois
- Georgia
- New Mexico
- Louisiana
- Tennessee
- Texas
The company offers a variety of insurance products, including liability, collision, comprehensive, and medical coverage. Safeway also offers a number of discounts and incentives to policyholders.
For example, the company offers a safe driver discount to policyholders who have not had any accidents or moving violations in the past three years. In addition, Safeway offers a discount for policyholders who purchase their automobile insurance through the company’s website.
Here are some sample rates to give you an idea:
Sample Quote 1: Los Angeles Student
A 20 year old male college student in Los Angeles will pay an average of $123 per month for insurance coverage with Safeway.
Sample Quote 2: Chicago Student
A 20-year-old male college student in Chicago will pay an average of $121 per month for insurance coverage with Safeway.
Sample Quote 3: Alabama Student
A 20-year-old male college student in Mobile, AL will pay an average of $60 per month for insurance coverage with Safeway.
Sample Quote 4: Georgia Student
A 20-year-old male college student in Atlanta, GA will pay an average of $136 per month for insurance coverage with Safeway.
Limits
The Safeway website does not specify limits. However, there are six standard coverage options you can choose from (with no unique additional coverage options listed).
The following are coverages offered by Safeway:
- Liability
- Collision
- Comprehensive
- Medical payments
- Personal injury protection
- uninsured/underinsured motorist
Safeway will only pay up to the amount of coverage you have specified on your policy. For example, if you have coverage up to $10,000, that is what Safeway will pay.
Therefore, it’s important to have a clear understanding of Your personal limits, as the insured, will vary depending on your age, driving history, and coverage terms and types (above). Get in touch with a Safeway insurance agent for a quote that’s tailored to your specific situation!
Deductibles
With Safeway, you can choose your deductible. For instance, if you have a $500 deductible, and the repairs to your car are $3,500, you’ll need to pay $500 and the balance will be paid by Safeway.
Choosing the right deductible amount for your auto insurance policy can be tricky. If you set the deductible too low, you may find yourself having to pay out of pocket for repairs more often than you’d like. On the other hand, if you set the deductible too high, you could end up paying more for your insurance premiums.
Ultimately, the best deductible for you will depend on your driving habits and budget. If you are a safe driver and don’t mind paying a bit more out of pocket for repairs, a higher deductible may be the way to go. However, if you are prone to accidents or live on a tight budget, a lower deductible may be the better option. Whatever you decide, be sure to keep your deductibles in mind when budgeting for future repairs.
Claims
If you’re involved in a car accident, the first thing you should do is call Safeway to make a claim. They will have a specific phone number for you to call to report the accident and start the claims process. Be ready to give them all the details about what happened, including any information about the other car and driver involved.
Once you’ve reported the accident, a claims representative will be assigned to your case and they will review your insurance coverage. They may need to inspect your car before moving forward with repairs.
In some cases, the cost of repairs may exceed the car’s fair market value and the car may be considered a total loss. If that happens, Safeway will work with you to determine the next steps.
Safeway will also handle any liability investigations. If there was an injury or if another vehicle was involved, Safeway will contact you within 48 hours of the accident report to review all liability claims made by you and by others.
Interesting Information
Safeway is a mixed bag when it comes to insurance. Some people have had great experiences with the company, while others have had more frustrating ones.
Safeway Car Insurance is a company that provides insurance for customers with a clean driving record. They offer standard car insurance for those who need it and custom policies for those who require more coverage. Bundled coverage is also available for those who need it. It is a great option for those who are looking for a standard car insurance policy and don’t need anything fancy.
Also, the company does have a mobile app that is available on Google Play and the Apple App Store called MySafeway, through which policyholders can pay their bills, view policy and claim details, and more. It can direct you to a nearby agent, too, in case you don’t want to deal with the online claims process.
The app is still relatively new so it can be limited in its functionality and accessibility, but it’s still a nice feature to have.
One of the biggest complaints is that Safeway isn’t listed in JD Power ratings, so it’s hard to know how they stack up against other companies.
However, filing claims is easy online, and most people say that communication is good.
The biggest problem seems to be delays and denials.
Sometimes claims are denied outright, while other times they’re delayed for no apparent reason. Either way, it can be frustrating for customers who just want to get their claims resolved quickly.
Another issue is that the company does have a significant downside: its coverage is not available in all states. This can be a major problem for drivers who live in or travel to states where Safeway does not have a presence.
Overall, Safeway is a decent company, but there are other options out there as well for college students who are willing to do some shopping around.
Your Next Steps
Safeway is a great choice for college students looking for auto insurance. The company offers several discounts, including a good student discount. You can also get a quote and buy coverage online. Get started today and be sure to compare rates with other insurers before you make your decision.
Annie Johnson is a licensed insurance broker, specializing in auto, home and renters insurance products. She reviews insurance content on College Educated for accuracy and has a particular passion for making sure that college students and recent graduates have proper insurance coverage. Her latest passion includes researching all forms of business insurance, to ensure that recent college grads who look to entrepreneurship can have the right protection.