Safeco RightTrack Review (2024)
RightTrack uses telematics in one of three ways: a device installed into your car, a tag applied to your windshield, or an app downloaded onto your smartphone. Everyone will save 5% just for participating, but you get only one chance to try it out. After using Safeco RightTrack for 90 days, you can save up to 30& on your auto insurance rates, but most drivers that use RightTrack save an average of 10 to 15%.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- There are three ways to use RightTrack, and it depends on your state
- You get an initial 5% discount for participating
- After the 90-day driving habit tracking period, you can save up to 30%, but most drivers qualify for a 10 to 15% discount
- You get only one chance to try RightTrack as a current or new Safeco customer
- Safeco’s version of RightTrack is the same as Liberty Mutual’s RightTrack because Liberty Mutual now owns Safeco
Several factors affect your auto insurance rates, such as your gender, marital status, and credit score. Wouldn’t it be great to pay car insurance rates based on how you actually drive?
It’s called usage-based auto insurance, and Safeco’s RightTrack may be a good option for you. Keep reading our Safeco RightTrack review to see if you can save up to 30% on your auto insurance rates.
Even if you are a bit anxious about trying Safeco RightTrack, you can still get affordable car insurance quotes by entering your ZIP code.
What is Safeco RightTrack?
RightTrack is one of many driving habits tracking programs offered by most of the best car insurance companies. There are three ways to use RightTrack:
- Plugging a Safeco RightTrack device into your car
- Attaching a device to your windshield – otherwise known as a “tag”
- Using an app that records information-based measurement systems on your smartphone
RightTrack requires a 90-day period of gathering information based on your driving habits. You get an introductory RightTrack discount for trying it out, then your auto insurance rates are based on the information collected during the trial period.
Unsure if you want to try Safeco RightTrack? Don’t worry: Safeco will not raise your rates if your scores come in below par. You can read our Liberty Mutual RightTrack review to learn more about RightTrack.
What states is Safeco RightTrack available in?
Safeco’s RightTrack program may not be available at all in your state, or only a certain type of RightTrack can be used in your state.
The RightTrack device that is plugged into your car is currently available in:
- District of Columbia
- Illinois
- Florida
- Massachusetts
- Missouri
- New Jersey
- Nevada
- Rhode Island
- South Carolina
- Virginia
The RightTrack “tag” device that is attached to your windshield is currently available in:
- Alabama
- Arkansas
- Arizona
- Colorado
- Connecticut
- Georgia
- Idaho
- Indiana
- Kentucky
- Louisiana
- Maine
- Michigan
- Minnesota
- Mississippi
- New Hampshire
- Ohio
- Oklahoma
- Oregan
- Pennsylvania
- Tennessee
- Texas
- Utah
- Vermont
- Wisconsin
- West Virginia
The RightTrack mobile app is currently available in:
- Delaware
- Indiana
- Kansas
- Maryland
- Nebraska
Safeco is constantly negotiating with more states regarding their usage-based program availability. Use your Safeco RightTrack login to check to see if RightTrack is offered in your state. Or call the Safeco phone number and speak with a representative from Safeco customer service.
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Does Safeco RightTrack decrease auto insurance rates?
Just for taking RightTrack for a test drive, you will get a 5% discount. After your trial period, you could save up to 30%, but most drivers save an average of 10 to 15%. Read our Safeco auto insurance review to learn about other discounts to save on your auto insurance rates.
Is Safeco RightTrack worth it?
Using RightTrack could lead to substantial savings, but whatever discount you get initially stays with the policy, even if you get a different vehicle.
Safeco RightTrack Auto Insurance Discount Semi-Annual Savings
| Safeco RightTrack Program | Average Semi-Annual Safeco Auto Insurance Rates |
|---|---|
| With RightTrack | $448–$608 |
| Without RightTrack | $640 |
You won’t have a chance to take the 90-day assessment again to try to get a bigger discount.
How does Safeco RightTrack auto insurance work?
If you choose the tag program, any and all cars can use RightTrack. If you choose the plug-in device, your car must be newer than 1996, and RightTrack device installation is easy. If you choose the app, any smartphone will work as long as it has GPS and Bluetooth capabilities. Read more about the best auto insurance apps to see how different programs compare.
The steps to using RightTrack are fairly simple. The steps are:
- Sign up for the program
- Install the device into your car or download the app
- Drive for 90 days and return the device
- Safeco will then analyze the data and increase the discount accordingly
During the trial period, you can change your settings in the app to “driver” or “passenger” so that it will not collect data when you are in someone else’s vehicle. You can choose to drop the program at any time, and you will lose your initial enrollment discount.
What does Safeco RightTrack auto insurance monitor?
Your driving data is collected and stored for future analysis when the trial period is up. The types of data that are tracked are:
- Total miles driven
- Day or night driving
- Rate of acceleration
- Rate of braking
- Where you are driving
After each trip, the app will give you a report of how you did. If you are wondering how to beat Safeco RightTrack, there is really no way to cheat telematics. Data never lies.
You should also learn how to check your claims history report to find out what information your insurer has about your previous driving.
How is my Safeco RightTrack auto insurance information used?
Safeco promises to protect your privacy. Once your discount is calculated, personal, identifiable information is wiped from your account, and the data is then used for further research.
How are Safeco RightTrack auto insurance reviews and complaints?
Some users have reported the device and app are very sensitive to acceleration and breaking. RightTrack does not currently track your driving speed to compare to the posted speed limit. Safeco may not be one of the auto insurance companies that don’t penalize you for a speeding ticket, but if you don’t get a ticket, your speed won’t hurt your rates.
RightTrack has 4 stars in the App Store with over 4,000 reviews. In the Google Play Store, RightTrack carries 4 stars as well and has almost 4,500 reviews.
Who should use Safeco RightTrack auto insurance?
Existing Safeco customers can enroll in RightTrack anytime. New customers can also try out the program. If you work mostly from home or you have a very short commute to a 9 to 5 job, RightTrack may be a good option to lower your auto insurance rates by telecommuting.
Who should not use Safeco RightTrack auto insurance?
If you have an extremely long commute or you work the third shift, it’s very unlikely you will get a discount. Also, if your car has a turbo engine, there is a higher chance of quicker acceleration. If you live or work downtown in a bustling city, you are more likely to brake heavily and quickly due to traffic or congestion.
There are many reasons to take a defensive driving course, and preparing to have your insurer monitor your driving is one of them.
If you still aren’t sure if you wish to try Safeco’s RightTrack usage-based auto insurance program, you can check out other companies and get free quotes by entering your ZIP code.
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Frequently Asked Questions
What is Safeco RightTrack?
Safeco RightTrack is a usage-based insurance program offered by Safeco Insurance. It uses telematics technology to track and analyze your driving habits, allowing you to potentially earn discounts on your auto insurance premiums based on your safe driving behavior.
How does Safeco RightTrack work?
Safeco RightTrack works by installing a telematics device in your vehicle or using a mobile app that tracks your driving habits. The device or app collects data on factors such as your mileage, acceleration, braking, and the time of day you drive. The collected data is used to assess your driving behavior and determine if you qualify for premium discounts.
How can I participate in Safeco RightTrack?
To participate in Safeco RightTrack, you can contact Safeco Insurance or your insurance agent to express your interest. They will provide you with the necessary information and guide you through the enrollment process. You may need to install a telematics device in your vehicle or download the mobile app, depending on the program requirements.
Can I earn discounts with Safeco RightTrack?
Yes, by participating in Safeco RightTrack and demonstrating safe driving behavior, you may be eligible for premium discounts on your auto insurance. The program typically evaluates factors such as your adherence to speed limits, smooth acceleration and braking, and the time of day you drive. If your driving data indicates safe habits, you could qualify for discounts on your policy.
How long does the Safeco RightTrack program last?
The duration of the Safeco RightTrack program can vary. Generally, you’ll need to participate for a certain period, such as 90 days, to allow sufficient data collection for an accurate assessment of your driving behavior. Once the required period is completed, the data is evaluated, and any applicable discounts are applied to your policy.
Will participating in Safeco RightTrack affect my insurance rates if I don’t qualify for a discount?
Participating in Safeco RightTrack will not negatively impact your insurance rates. If your driving data does not qualify you for a discount, your rates will not increase as a result of participation. The program is designed to potentially reward safe driving behavior with discounts, but not qualifying for a discount will not penalize you.
How do I enroll in Safeco RightTrack?
To enroll in Safeco RightTrack, you can contact Safeco Insurance or your insurance agent. They will provide you with the necessary information and guide you through the enrollment process. You may need to install a telematics device in your vehicle or download the mobile app, depending on the program requirements.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.