Safeco RightTrack Program Review: Pros and Cons (2024)
Safeco RightTrack is a usage-based insurance program that tracks your driving data and then gives you a discount based on your driving habits. You can receive a 5% discount for signing up with Safeco RightTrack, and if you're a safe driver, you can save up to 30% on your Safeco car insurance policy.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Jan 8, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry 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
- You get five percent off if you enroll in Safeco RightTrack
- If you practice safe driving habits, you get up to 30% off your Safeco car insurance rates
- Safeco RightTrack is available in specific states
Safeco RightTrack offers another way to save on your Safeco car insurance policy. If you sign up for the Safeco safe driving app RightTrack, you save at least five percent on your auto insurance policy, but you can save more if your driving rates well on the app.
So how does Safeco RightTrack work? Read through this guide to learn how Safeco RightTrack affects Safeco auto insurance rates and the pros and cons of usage-based car insurance.
Once you learn how Safeco RightTrack saves you money, use our free comparison tool above to compare multiple auto insurance companies in your area.
Safeco RightTrack Explained
The Safeco RightTrack program is a usage-based insurance service that provides an insurance discount for Safeco and Liberty Mutual customers (read more: Liberty Mutual insurance review). RightTrack’s deals are issued based on your driving habits.
By definition, the Safeco driving app RightTrack is a pay-how-you-drive insurance (PHYD) program. However, RightTrack provides a discount for good driving behavior rather than giving you a monthly rate.
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How Safeco RightTrack Works
There are three ways you can access Safeco RightTrack, which are through OBD-II port telematics device, a Safeco RightTrack Bluetooth beacon, or the Safeco RightTrack mobile app.
When you enroll in the Safeco RightTrack program, you’ll get a five percent discount. But you can receive up to 30% off if you have good driving habits.
Safeco RightTrack monitors four specific behaviors, which are:
- Acceleration
- Braking
- Miles driven (must drive over 125 miles)
- Nighttime driving
After you sign up, Safeco RightTrack tracks these behaviors for 90 days. When the monitoring is complete, RightTrack will report your overall score, and your discount will be issued.
Safeco RightTrack isn’t available everywhere in all its forms. According to the Safeco website, RightTrack’s mobile app service isn’t available for Arkansas, California, Washington D.C., Delaware, Hawaii, and North Carolina customers.
New York customers are limited to the Safeco RightTrack device. All other states have one or more ways they can use RightTrack.
Safeco RightTrack’s Effect on Safeco Car Insurance Rates
Discounts lower the cost of your auto insurance policy. The same goes for Safeco RightTrack. Even if you get a poor score from the RightTrack discount, you’ll still receive a deal.
Let’s compare Safeco RightTrack’s discount on Safeco auto insurance vs. Safeco auto insurance without a RightTrack discount.
- Safeco Car insurance rates w/ RightTrack discount – $75 to $101/month
- Safeco car insurance rates w/o RightTrack discount – $106/month
The monthly rates are very cost-efficient. If you’re a good driver, you can secure affordable Safeco RightTrack discount insurance.
In other words, you can secure cheaper Safeco RightTrack car insurance by driving safely.
Safeco RightTrack is free. Therefore, you don’t buy Safeco RightTrack. Since you can’t buy it, you won’t have to worry about Safeco RightTrack quotes.
If you’re concerned about Safeco RightTrack rates, then you should focus on maintaining an excellent driving score during the RightTrack monitoring period. You should also look into how to get cheap car insurance to make sure there isn’t anything else you could be doing to reduce your auto insurance rates.
How Telematics Programs Help You Save
Telematics uses wireless technology to monitor and troubleshoot different vehicle information in real time. This technology can help you save money on car insurance by allowing you to show that you’re a safe driver who deserves to earn a discount.
The Safeco Insurance RightTrack telematics product was designed to reward drivers for good driving performance. The tool is easy to set up, use and monitor. To complete the program, you must use your Safeco RightTrack login to access the app and drive a minimum of 125 miles within a 90-day period.
After the review period, the insurance company will rate your driving and offer discount for participating. You will save a minimum of 5 percent on your insurance premium and could save up to 30 percent. The savings apply to the end of the policy so there is no need to track your driving in the future. Consider it as a permanent discount for having good driving habits.
Learn more: Car Insurance Discounts: The Best Ways to Save Money
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Safeco RightTrack Pros and Cons
As much as we would like to answer that question, the best way to find out is to look at Safeco RightTrack reviews from customers.
The latest Google Play ratings show Safeco RightTrack mobile app has a 4.0-star rating. Meanwhile, customers of the Apple App Store gave Safeco RightTrack a 4.6-star rating.
Although Safeco RightTrack has above average mobile app ratings, it may not be for everyone. Look through the Safeco RightTrack device reviews for yourself and consider carefully whether this program is right for you.
Also, consider the following pros and cons when making your decision.
Comparing Safeco RightTrack Pros and Cons
| Safeco RightTrack Pros | Safeco RightTrack Cons |
|---|---|
| Free to Use | It Uses Your Data |
| Driving Safely Gives You a Discount | 90-Day Monitoring Doesn't Guarantee Savings |
| The Discount Lasts Until Your Policy Ends | Limited Availability |
| You'll Need to Stack Discounts to Get Cheap Safeco rates |
We found more cons than pros. However, your experience with Safeco RightTrack may be different.
If you already have a Safeco car insurance policy, RightTrack won’t increase your rates if you don’t have a good score through the usage-based program.
Streamlining Your Experience: Safeco RightTrack Program Claims Handling
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Safeco RightTrack offers a straightforward claims process, ensuring convenience for policyholders. You can file a claim through multiple channels, including online, over the phone, and through their mobile app. This flexibility allows you to choose the method that suits you best, making the claims process hassle-free.
Average Claim Processing Time
Safeco RightTrack prides itself on efficient claim processing. While specific processing times may vary depending on the nature of the claim and individual circumstances, Safeco is known for its prompt handling of claims.
Customers often experience relatively quick turnaround times, ensuring they can get back on the road without unnecessary delays.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a vital role in assessing the effectiveness of an insurance company’s claims process. Safeco RightTrack has received positive reviews from many policyholders regarding claim resolutions and payouts. Their commitment to customer satisfaction is evident in the high level of trust customers have in their ability to handle claims fairly and efficiently.
Harnessing Technology: Safeco RightTrack Program’s Digital Advancements
Mobile App Features and Functionality
Safeco RightTrack offers a user-friendly mobile app packed with features designed to enhance the overall insurance experience. Through the app, policyholders can monitor their driving habits, track their RightTrack score, and access valuable driving insights. Additionally, the app provides a convenient platform for filing claims and managing policies on the go.
Online Account Management Capabilities
Managing your Safeco RightTrack policy is a breeze with their robust online account management capabilities. Policyholders can easily access their accounts through the Safeco website, where they can make payments, update personal information, and review policy details. This digital convenience simplifies the process of keeping your insurance coverage up to date.
Digital Tools and Resources
Safeco RightTrack goes beyond the basics, offering policyholders access to a range of digital tools and resources. These resources include educational materials, safety tips, and personalized driving feedback. By leveraging these digital assets, policyholders can become safer and more informed drivers while enjoying the benefits of discounted insurance rates.
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The Final Word on Safeco RightTrack
Although Safeco isn’t in the top 10 car insurance companies in the United States, it has several opportunities for customers to save money. One of them happens to be Safeco RightTrack.
However, your savings depend on how well you drive and what other discounts you qualify for.
Now that you know more about Safeco RightTrack, enter your ZIP code in the free comparison tool below to compare multiple companies near you.
Frequently Asked Questions
Why should I enroll in Safeco RightTrack?
Safeco RightTrack can help you save up to 30% off your Safeco car insurance. Also, enrolling in Safeco RightTrack won’t increase your monthly rates.
What are the average savings for Safeco RightTrack?
Although you can get up to 30% off, most Safeco RightTrack users get 10% to 15% off after RightTrack’s monitoring period.
What does the RightTrack device monitor?
The RightTrack device monitors speed, time of day, and mileage.
Where does RightTrack device install?
If you have the RightTrack plugin device, it installs in the OBD port of your car.
How do I activate Safeco RightTrack?
You will need to download the app and then register using the information from your Safeco account.
Can I turn off Safeco RightTrack?
Yes, you can choose to turn off and opt out of RightTrack at any time. However, you may not receive your discount if you didn’t track enough data beforehand.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.