How to Write a Safeco Auto Policy with Maximum Coverage

Understanding Safeguards for Maximum Coverage

Safeco offers a range of liability limits and optional coverages that can be combined to reach the highest protection level. Start by selecting the top‑tier liability limits—usually $500,000 per person and $1 million per accident for bodily injury, plus $500,000 for property damage. These limits are the foundation of a "max" policy.

Choosing the Right Liability Limits

When you request the maximum coverage, ask the agent to set the liability limits at the state‑allowed maximum or the highest tier Safeco provides. In most states the ceiling is $500k/$1M for bodily injury and $500k for property damage, but some states allow $1M/$2M or higher. Verify the exact figures for your location.

Adding Supplemental Coverages

Beyond liability, the following optional coverages push the policy toward true maximum protection:

• Uninsured/Underinsured Motorist (UM/UIM) – match or exceed liability limits.
• Medical Payments – typically $5,000 to $10,000 per person.
• Comprehensive and Collision – choose "full replacement cost" deductibles as low as $250 if you can afford the premium.
• Rental Reimbursement – up to $30‑$40 per day, 30 days.
• Roadside Assistance – unlimited tow and lockout services.

Setting Low Deductibles

Maximum coverage also means minimizing out‑of‑pocket expenses after a claim. Opt for the lowest deductible Safeco offers for comprehensive and collision, often $250 or $500. The trade‑off is a higher premium, but it ensures you won't face large bills after an accident.

Applying Discounts While Keeping Max Limits

Even with top limits, you can still qualify for discounts that lower the overall cost:

• Multi‑policy (bundle auto with home).
• Safe driver (clean record, defensive‑driving course).
• Vehicle safety features (airbags, anti‑theft devices).
• Loyalty or long‑term customer discounts.

Ask the agent to apply each discount without reducing your selected limits.

Finalizing the Policy

When you're ready to write the policy, request a written quote that lists each coverage component, its limit, and the deductible. Review the quote carefully to confirm that every limit matches the "maximum" values you requested. Sign the application, pay the first premium, and keep a copy of the declarations page for your records.

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