Why does it matter that Safeco only sells through independent agents?

Safeco (a Liberty Mutual company) sells exclusively through independent agents, never direct to consumer. That matters at claim time. When a claim goes sideways, you call us, not an 800-number adjuster. We work with Safeco's claims team on your behalf. Georgia allows credit-based insurance scoring, and Safeco uses it heavily; clean-credit clients often see the sharpest pricing.