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With so many insurance companies out there, it’s hard to know where to start when looking for auto insurance coverage. That’s why Jerry turned to the experts to help compare these two providers.
The table below compares ratings from the following five experts to give you a quick snapshot of each company’s strengths and weaknesses:
| Safeco | Aspire Advantage | |
|---|---|---|
| Average Rating | 4.45 | 4.57 |
| Number of Reviews | 473 | 503 |
| BBB Rating | A+ | N/A |
| NAIC Rating | 1.25 | N/A |
| Clearsurance Rating | 4.02 | N/A |
| J.D Powers Rating | 4.1 | N/A |
| A.M. Best Rating | A | N/A |
Here's how to interpret these scores:
Better Business Bureau (BBB): BBB ratings rank a company’s interactions with its customers on a scale from A+ to F.
National Association of Insurance Commissioners (NAIC): The NAIC is a regulatory body that evaluates the risk of insurance companies from NAIC-1 (safest) to NAIC-6 (extremely risky/close to default).
Clearsurance: Clearsurance is an independent insurance marketplace that gives ratings on a five-point scale based on customer reviews.
J.D. Power: In addition to reviewing cars, J.D. Power rates customer satisfaction for insurance companies on a 1,000-point scale.
A.M. Best: The world’s largest credit rating agency focused on the insurance industry, AM Best rates companies on financial stability, risk management, and market position with grades from A++ to D-.
How much does Safeco and Aspire Advantage car insurance cost?
One of the biggest choices when picking an auto insurance policy is minimum coverage vs. full coverage. In general, a policy with collision and comprehensive insurance will cost more than one that only includes your state’s minimum liability limits—but which company offers a better average rate for each type of coverage?
| Safeco | Aspire Advantage | National Average | |
|---|---|---|---|
| Minimum Insurance Required | $1,534 | $1,326 | $1,707 |
| Full-Coverage Insurance | $2,334 | -- | $2,347 |
Compare Safeco and Aspire Advantage insurance cost after DUI
Aspire Advantage is the most cost effective option after a DUI. If you’ve got a DUI on your record, you’re likely paying more than the average rate for car insurance. That’s because insurance companies take violations like DUI very seriously and raise rates for drivers they see as high-risk. But a DUI conviction might not carry the same weight with every company: see which provider is better for drivers with a DUI below.
| Safeco | Aspire Advantage | National Average | |
|---|---|---|---|
| After DUI | $1,937 | $1,533 | $3,596 |
| Clean Record | $1,906 | $1,501 | $2,703 |
Compare Safeco and Aspire Advantage insurance cost after speeding ticket
Aspire Advantage offers the cheapest insurance after a speeding ticket. Most drivers will exceed the speed limit at some point, whether by accident or on purpose. But your need for speed can raise your insurance rate if you’re caught traveling over the speed limit—particularly if it happens more than once in a short time. See how your rate could change with each provider below.
| Safeco | Aspire Advantage | National Average | |
|---|---|---|---|
| After Speeding Ticket | $2,139 | $2,069 | $3,273 |
| Clean Record | $1,906 | $1,501 | $2,703 |
Compare Safeco and Aspire Advantage insurance cost after an accident
Accidents happen. In fact, statistics show that the average driver will be in three to four car accidents over the course of their life. Your insurance policy will come to the rescue when that happens, but your premium is likely to rise after a claim. However, insurance companies won’t all raise your rate by the same amount, and some even have accident forgiveness for certain cases. If you have accidents on your record, Aspire Advantage will likely offer the lowest rates of the two.
| Safeco | Aspire Advantage | National Average | |
|---|---|---|---|
| Accidents | $2,079 | $1,833 | -- |
| No Accidents | $1,800 | $1,521 | -- |
Compare Safeco and Aspire Advantage insurance rates for teens
If you’re getting ready to purchase your first-ever auto insurance policy—or preparing to add a teen to your existing policy—you probably already know that you’re looking at elevated premiums. Because teen drivers lack experience and have a statistically higher rate of both accidents and violations, insurance companies charge more—but which company charges the most for teen drivers?
| Safeco | Aspire Advantage | National Average | |
|---|---|---|---|
| 16 year old | -- | -- | -- |
| 17 year old | -- | -- | -- |
| 18 year old | -- | -- | -- |
| 19 year old | $2,715 | $2,519 | -- |
Compare Safeco and Aspire Advantage insurance rates by credit score
You’re probably aware of how your credit score impacts your car payments—but did you know it can also influence the auto insurance quotes you get from different companies? See how these two insurers deal with applicants in different credit brackets below.
| Safeco | Aspire Advantage | National Average | |
|---|---|---|---|
| Poor (300-500) | $1,614 | $1,395 | $1,796 |
| Fair (500-600) | $1,453 | $1,256 | $1,617 |
| Good (600-750) | $1,375 | $1,188 | $1,530 |
| Great (750-850) | $1,304 | $1,127 | $1,451 |
Compare Safeco and Aspire Advantage insurance rates for seniors
Teens aren’t the only age group with special concerns when it comes to auto insurance. If you’re looking for affordable car insurance coverage as a senior, you need a company that offers the best rates for drivers past age 55. Between Safeco and Aspire Advantage, that's Aspire Advantage. As an example, let’s look at the average rates for a 60-year-old man and woman from the two providers below.
| Safeco | Aspire Advantage | National Average | |
|---|---|---|---|
| 60 year old Male | $1,620 | $1,274 | -- |
| 60 year old Female | $1,562 | $1,284 | -- |
| 60 year old Non-binary | -- | $1,068 | -- |
Best car insurance discounts: Safeco vs. Aspire Advantage
Between the two providers we are considering here, Safeco offers more discount opportunities than Aspire. In all, Safeco provides a fairly average range of discount offerings. Aspire only provides limited changes to save money on coverage.
Discounts can be a great way to reduce your car insurance premiums. While the value of each individual discount can vary, combining deals can usually help you take a noticeable bite out of your rates.
Here’s a comparison of the driver-, vehicle-, and policy-based discounts each insurer offers.
| Discount | Safeco | Aspire |
|---|---|---|
| Accident-free driver | X | X |
| Good student | X | |
| Vehicle safety features | X | X |
| Multi-vehicle | X | |
| Multi-policy | X | X |
| Student away at school | X | |
| Paperless billing | X |
Usage-based discounts
Usage-based discount programs are yet another popular way for defensive or low-mileage drivers to lower their car insurance rates or earn rewards.
These programs use telematics to look into some basic driving practices like braking, cornering, speeds, and phone usage on the road. They may also offer other useful incentives like sign-up bonuses, driver feedback, or enhanced emergency service access.
However, Safeco and Aspire both don’t offer usage-based programs to policyholders at this time.
MORE: How to get car insurance discounts
Best car insurance coverage options
Safeco and Aspire both offer at least some optional coverage. But between the two, Safeco has a much wider selection of policy upgrades available.
States usually mandate all drivers to carry at least bodily injury liability and property damage liability coverage. Many states also require additional types of protection like uninsured/underinsured motorist coverage too.
Safeco offers all 12 and Aspire offers six Of the 12 optional coverages we have compared.
These are some things to keep in mind:
Safeco’s accident forgiveness policy add-on can help keep your car insurance costs low even if you are in an occasional at-fault accident.
Safeco and Aspire both provide custom parts and equipment insurance to give you aftermarket sounds system insurance or coverage on other non-factory vehicle installations.
Safeco uniquely offers towing and labor coverage to provide access to on-demand roadside assistance services like towing and tire changes.
Here’s a rundown of the coverages offered by each:
| Coverage option | Safeco | Aspire |
|---|---|---|
| Collision insurance | X | X |
| Comprehensive insurance | X | X |
| Medical payments coverage (MedPay) | X | X |
| Gap insurance | X | |
| Accident forgiveness | X | |
| Rental reimbursem*nt coverage | X | X |
| New car replacement insurance | X | |
| Vanishing deductible | X | X |
| Towing and labor coverage | X | |
| Custom parts and equipment insurance | X | X |
| Rideshare insurance | X | |
| Pet injury protection | X |
Additional products offered by Safeco and Aspire Advantage
If you want to bundle policies for different types of insurance products to save money, Safeco may be a better option for you. Aspire currency only offers car insurance coverage.
Here’s a breakdown of what you can get with each provider:
| Product | Safeco | Aspire |
|---|---|---|
| Homeowners | X | |
| Renters | X | |
| Condo | X | |
| Life | X | |
| Boat | X | |
| Motorcycle | X | |
| RV | X | |
| Mobile home | X | |
| Travel trailer | X |
Read real Safeco and Aspire Advantage reviews from Jerry users
But we’re not just concerned with what credit rating agencies and professional organizations have to say about these companies: for Jerry, our users are the ultimate experts. Here’s what Jerry users who got policies with each provider had to say about their experience.
