American States Preferred Auto Insurance Review

American States Preferred Auto Insurance is a Liberty Mutual subsidiary focusing primarily on underwriting for Safeco Insurance, another member of Liberty Mutual. In this sense, Liberty Mutual, American States Preferred and Safeco can all be seen as one entity for the purposes of this review.

If you just want the short of it: If Safeco, American States Preferred or Liberty Mutual pop up in your results when you type your ZIP code into our FREE quote finder, they’re one of the reliable and strong auto insurance companies. If you want to know why that is, keep reading.

An Industry Giant

Liberty Mutual have a century-long history and have risen to become a Fortune 500 company. The fifth largest insurance company in the united states in terms of casualty and property insurance, Liberty Mutual currently hold a strong A rating from AM Best for financial strength and reliability.

The company seems to have gotten there by offering innovative products and services to its customer base, particularly in the way they handle their agencies and underwriters.

Getting Quotes

If you’re interested in getting insurance coverage from Safeco, you can get free auto insurance quotes from the company in a number of ways. Calling the company through 1-800-SAFECO will get you connected fast, but you can also look for an independent agent in your area. This is in addition to getting a quote directly from their website or our search engine.

However you get a quote, it’s important to do a lot of comparison shopping. Safeco are known for their reasonable rates and innovative products and services, but so are a dozen other insurance companies. You can never be sure that you’re buying from the right insurance company until you compare what they’re offering with what everyone else is offering.

Discounts and Savings Through Safeco

Thanks to Safeco, American States Preferred is able to offer a wide range of auto insurance discounts. For instance, if you take an accident protection course, you can get a lot of money off your auto insurance costs.

You can also get discounts for having an anti-theft device in your car, owning multiple vehicles, and, for students, getting good grades.

Insurance Products Offered by Safeco

Because laws vary from state to state, there’s really no telling what you can get from Safeco in your state. In some states, the company offers RV and commercial insurance, in others they might cover motorcycles and boats. It all depends on what your state’s insurance laws look like. Minimum coverage will vary, as well, and so too will the premiums you pay depending on those laws.

They do offer liability and permissive user coverage in most states, as well as rental and new car replacement, on request. You won’t be able to build your perfect Safeco package until you talk to them about what sort of products they offer and what you need.

The Bottom Line on American States Preferred

American States Preferred offers quality customer service and great insurance products from Liberty Mutual and Safeco, so if you do wind up settling for one of their policies, you could do a lot worse. That being said, comparison is still important. American States Preferred is a good insurance company, but there are a lot of good insurance companies out there.

Use our free quote finder before taking any other steps. Just type in your ZIP code for FREE and let the computer do the rest and you may be surprised at how cheap your rates can be if you only do a little bit of shopping around.