Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Mar 23, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

At a Glance

  • A variety of discounts are available for good students and drivers
  • GAP insurance, and other supplemental coverage, is also available
  • Safety Auto Insurance offers policies in New Hampshire, Maine, and Massachusetts

Safety Insurance opened in 1979, and its goal is to give customers the best possible service. Through a partnership with Safe Roads Alliance and In Control Crash Prevention, Safety Insurance keeps customers informed about issues affecting driver safety. It also helps ensure that all drivers have the training they need to handle challenging driving situations.

In this article, we’ll discuss Safety’s car insurance coverage, the discounts available, the states that the company operates in, how to file a claim, and other types of insurance coverage offered.

Safety Car Insurance Coverage 101

For car insurance in Massachusetts, the Safety Shield policy includes:

  • A disappearing collision deductible
  • Rental vehicle loss of income coverage
  • Personal effects
  • Emergency road travel expenses
  • Supplemental labor and towing
  • Airbag mechanical failure
  • Extended vehicle rental
  • Guaranteed replacement cost for your vehicle if it’s totaled in an accident

The Safety Shield Plus policy also has accident forgiveness, expanded personal effects coverage, pet coverage, seat belt coverage, and bail bonds. In New Hampshire and Maine, the Safety Shield policy includes glass coverage but not personal effects, supplemental labor, or towing.

With GAP insurance, Safety will pay off your loan or lease after an accident, and it’s offered in all three states.

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What auto insurance discounts are available?

Safety offers a variety of car insurance discounts, including:

  • Up to 15% off your auto policy when you buy another insurance product from Safety
  • A discount for good students who maintain a GPA of 3.0 or higher
  • Up to a 4% loyalty discount for people with car insurance from Safety for multiple years
  • Up to a 3% e-customer discount when you qualify for an account credit and select electronic policy issuance
  • A 10% Excellent Driver Discount for people with no accidents or tickets in the last five years
  • A 24% Excellent Driver Plus Discount for people with no tickets or accidents in the past six years
  • A 5% discount when you get umbrella insurance with homeowners and car insurance from Safety

You can get Safety Auto insurance coverage in Maine, New Hampshire, and Massachusetts.

How to File a Car Insurance Claim With Safety Auto Insurance

After you have an accident, contact the police and make a report. Also, record the officer’s name and badge number and take plenty of pictures of the damage. Contact Safety Auto Insurance as soon as possible and let them know that you sustained damage. You can file a claim over the phone or online.

When you file your claim, you’ll need to provide:

  • Your name
  • Your policy number
  • Your address
  • The names and addresses of anyone who hit you and any witnesses nearby
  • The street where the accident took place and what landmarks it was nearby
  • The location of your vehicle after the accident
  • Who was driving
  • An explanation of what happened during the accident and your opinion about who was at fault
  • An estimate of repair costs from a professional

After you get a report from an insurance adjuster, Safety will authorize payment for your damages. After that, you’ll sign a release accepting the offer as full payment for your claim. If you have GAP insurance, you can get paid for the replacement cost of your car, not just the actual cash value (ACV). 

Does Safety Insurance offer any other types of policies?

Along with car insurance, Safety Insurance offers:

  • Homeowners insurance
  • Property and casualty insurance for business owners
  • Fire insurance
  • Personal umbrella insurance for excess liability coverage
  • Commercial auto insurance
  • Commercial umbrella insurance

Finding cheap auto insurance with the right discounts can be tricky, but this in-depth guide can help you find the right policy for your needs. Before you choose a policy, check and find out if you qualify for any discounts, and then compare prices carefully.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.