Safeco RightTrack Program Review [2021]

You can buy Safeco RightTrack car insurance, a usage-based insurance program (UBI), and earn a rate reduction based on data about your driving habits. Learn how to save up to 30% on your car insurance by practicing safe driving techniques. However, the affordable Safeco RightTrack car insurance program is unavailable in Arkansas, California, Delaware, the District of Columbia, Hawaii, or North Carolina.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 25, 2021

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Here's What You Need to Know

  • In this Safeco RightTrack program review, learn how to save between 5% and 30% on your car insurance by driving safely
  • Safeco RightTrack is a usage-based insurance program (UBI) that rewards you with a permanent rate reduction
  • This program is not available in Arkansas, California, Delaware, the District of Columbia, Hawaii, or North Carolina

Read through our Safeco RightTrack program review to learn how to save between 5% and 30% on your car insurance with this usage-based car insurance program (UBI).

Below, we discuss how to enroll in this program, what driving habits are tracked, and provide tips to help you earn your highest rate reduction.

After reading about the Safeco RightTrack car insurance company, remember to enter your ZIP code into our free rate tool above to compare accurate quotes from reputable providers near you.

What is Safeco RightTrack?

Safeco Car Insurance Company, a subsidiary of Liberty Mutual Car Insurance Company, offers customers a usage-based RightTrack program to help lower car insurance rates based on driving habits.

According to the Centers for Disease Control and Prevention (CDC), 400,000 people were injured, and 2,800 people died in distracted-driving car accidents.

But UBI programs like RightTrack can help reduce that number by promoting safe driving habits.

RightTrack is separate from Safeco’s accident forgiveness program, which dismisses future accidents.

UBI programs rely on telematics technology to wirelessly track and transmit data about your driving choices.

The company uses that data to calculate a permanent rate reduction that remains for the life of your policy.

You also earn an initial enrollment discount rate that varies by state. But it readjusts when you complete the program.

You can earn Safeco RightTrack car insurance rates ranging from 5% to 30% or an average savings of $513 per year.

Your affordable Safeco RightTrack car insurance discount applies to all types of coverages, including:

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Personal injury protection (PIP)
  • Medical Payments coverage (MedPay)
  • Uninsured/underinsured motorist coverage (UM/UIM)

The safer you drive according to Safeco’s standards, the higher the discount you earn.

Fortunately, the company never increases your premiums based on your performance in the RightTrack program.

So, assuming you’re comfortable with tracking your driving, there are few to no negative consequences for participating in the program.

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How does Safeco RightTrack work?

To buy Safeco RightTrack car insurance, either talk directly to an agent, enroll during your policy renewal period, or call the Safeco RightTrack phone number at 1-800-332-3226.

Participation is free, and the assessment period lasts for 90 full days. You must drive more than 125 miles to qualify.

Eligible drivers include anyone with a valid email address and a compatible vehicle. In New York, your car must be a 1996 model or newer.

If a driver on your policy chooses not to participate, your discount will decrease. Also, you can enroll multiple vehicles, but each earns a separate discount.

After enrolling in the program, download the RightTrack smartphone app within 30 days to remain eligible for the discount.

For New Yorkers, you’ll receive a plug-in device in the mail, as well as a pre-paid return package.

Throughout the evaluation period, track your trip history and estimated discount amount in real-time in the RightTrack app or on a secure Safeco website.

To maximize your rate reduction, follow these tips:

  • Ensure all drivers on your policy participate
  • Avoid driving between midnight and 4 a.m.
  • Avoid driving in bumper-to-bumper traffic
  • Avoid hard-braking events
  • Do not drive faster than the marked speed limit

If you get a new car after participating, you can change vehicles within 60 days of removing the old one from your policy. Any earned savings apply to the new car.

To opt out of the program at any time, contact your Safeco agent. You then forfeit the initial enrollment discount as well as any potential future RightTrack deals.

What driving habits does Safeco RightTrack monitor?

Safeco RightTrack monitors a handful of driving habits through a smartphone app of the same name available on iPhones and Androids.

The driving behaviors include:

  • Acceleration
  • Braking
  • Mileage
  • Time of day

So if you’re looking for a Safeco Mutual RightTrack cheat, you’re out of luck. The program accurately monitors your driving, and the only way to save money is by driving safely.

You can access the history of your trips as well as your estimated discount through the mobile app.

The device automatically records all of your trips if you have 20% battery remaining on your phone.

What about the privacy of your personal data? Safeco uses your data for internal research purposes, which may make some people uncomfortable.

However, the company will not use it to increase or terminate your coverage.

Safeco RightTrack Program Review: The Bottom Line

Fortunately, Safeco RightTrack reviews are overwhelmingly positive by users.

As a result, this program is ideal for low-mileage drivers who primarily drive during the day when traffic is light.

People who frequently drive at night or during rush-hour traffic may struggle to earn the highest possible rate reduction.

If you’re a careless driver, your rates will not increase by participating in the program. But your earned rate reduction could be relatively small.

However, not every provider is active in every region, so Safeco car insurance might not be a viable option where you live.

Luckily, there are plenty of other UBI programs from the best car insurance companies that you can compare to Safeco RightTrack, including:

  • Allstate Drivewise
  • Progressive Snapshot
  • State Farm Safe and Save

You’ve learned about how safe driving can lower your Safeco RightTrack car insurance quotes; now find the cheapest rates from the top providers near you by entering your ZIP code into our free tool below.

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