Choosing an auto insurance company is difficult: companies' rates differ based on your location, age, and driving history, and every company provides a different set of discounts. Auto Club (AAA) and safeco are two of the most popular insurance companies, selling competitively priced insurance policies in most regions.
In an effort to make shopping for car insurance easier, we gathered average policy prices from safeco and Auto Club (AAA). These cover a variety of pricing components, including credit rating, driving history, and age. Examine these figures and find the perfect policy for you.
If you have very poor credit, safeco could be preferable to Auto Club (AAA). On average, safeco offers more affordable premiums than Auto Club (AAA) for prospective clients with credit scores of 579 or less. Those with extraordinary credit — a score of 800 or higher — should lean toward Check out typical insurance rates by credit score for safeco and Auto Club (AAA) below.
|Credit score||Auto Club (AAA) avg. annual premium||safeco avg. annual premium|
|Very Poor (300-579)||$6,569||$5,308|
|Very Good (740-799)||$3,004||$1,871|
If you are dealing with an at-fault collision, ticket, reckless driving citation, or DUI on your record, safeco could be a better choice than Auto Club (AAA). Each insurer prices policies differently after a violation, so don't be afraid to shop around to understand which insurer suits you.
|Citation||Auto Club (AAA) avg. annual premium||safeco avg. annual premium|
|At-fault accident (damage < $1,000)||$4,078||$2,546|
|At-fault accident (damage > $1,000)||$4,002||$1,969|
Insurance companies rely on a driver's age to indicate risk, pricing premiums accordingly. An insurance policy is usually expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because every insurance company evaluates age brackets in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose safeco over Auto Club (AAA): the former's average annual rates are $2,491 less than the latter's..
|Age||Auto Club (AAA) avg. annual premium||safeco avg. annual premium|
Cost aside, Auto Club (AAA) and safeco each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Discount Comparison||Auto Club (AAA)||Safeco|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Auto Club (AAA)||Safeco|
|JD Power Rankings|
|Other Products||Auto Club (AAA)||Safeco|
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|Other Features||Auto Club (AAA)||Safeco|
|About||Auto Club provides its customers with customizable payment options, competitive rates and excellent features.||Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company.|
|Roadside Assistance||AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.||Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|Additional Discounts||AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.||Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.|
|Recent Questions||Can I bundle my renters and new car insurance?|
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.See More Questions
|What can I do about fixing incorrect information on my driving record?|
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.See More Questions
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