Safeco RightTrack Review for 2025
Safeco 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% on Safeco RightTrack car insurance rates just for participating, but you get only one chance to try it out. After your 90-day trial, your Safeco RightTrack car insurance discount can be up to 30%, but most drivers save an average of 10% to 15% using Safeco RightTrack.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Dec 11, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Dec 11, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 the method used will depend 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
Car insurance rates are often calculated based on factors like your gender, marital status, and credit score. Wouldn’t it be great to get affordable car insurance based on how you actually drive?
You can. It’s called usage-based car 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 Safeco RightTrack car insurance rates.
Even if you are a bit anxious about trying Safeco RightTrack, you can still get affordable usage-based car insurance quotes from multiple companies in your area by entering your ZIP code.
What is Safeco RightTrack?
RightTrack is one of many driving habits tracking programs offered by the best usage-based 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 in 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 car insurance rates are based on the information collected during the trial period.
Not sure if you want to buy Safeco RightTrack? Don’t worry: Safeco will not raise your rates if your scores come in below par.
What states is Safeco RightTrack available in?
Safeco’s RightTrack program may not be available in your state, or only a certain type of RightTrack may 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 negotiating with more states regarding its usage-based program’s availability. Use your Safeco RightTrack login to find out if RightTrack is offered in your state, or call the Safeco RightTrack phone number and speak with a representative from Safeco customer service.
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Does Safeco RightTrack decrease car 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%.
Since Safeco is now owned and operated by Liberty Mutual, read our Liberty Mutual car insurance review to learn about other discounts to save on your car 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.
American Family vs. Farmers Car Insurance Rates by Driving History
| Citation Type | American Family Average Monthly Premium | Farmers Average Monthly Premium |
|---|---|---|
| At-fault accident with less than $1,000 damage | $82.50 | $141.58 |
| At-fault accident with more than $1,000 damage | $146.92 | $194.50 |
| DWI/DUI | $154.75 | $269.92 |
| Speeding Ticket | $105.83 | $170.42 |
| Reckless Driving | $154.75 | $386.33 |
You won’t have a chance to take the 90-day assessment again to try to get a bigger discount.
How does Safeco RightTrack car 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 a 1996 model, and RightTrack device installation is easy. If you choose the app, any smartphone will work as long as it has GPS and Bluetooth capabilities.
The steps to using RightTrack are fairly simple:
- 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, but you will lose your initial enrollment discount.
What does Safeco RightTrack car insurance monitor?
Your driving data is collected and stored for future analysis when the trial period is up. The following data is collected:
- 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. Liberty Mutual RightTrack cheating isn’t possible either. Data never lies.
Read more information about telematics provided by the National Association of Insurance Commissioners (NAIC).
How is my Safeco RightTrack car 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.
What do Safeco RightTrack car insurance reviews and complaints have to say?
Some users have reported the device and app are very sensitive to acceleration and braking. RightTrack does not currently track your driving speed to compare to the posted speed limit.
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 car 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 car insurance rates.
Who should not use Safeco RightTrack car 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.
If you still aren’t sure if you wish to try Safeco’s RightTrack usage-based car insurance program, you can check out multiple companies near you and get free quotes by entering your ZIP code.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Safeco RightTrack Claims Process
Ease of Filing a Claim
Safeco RightTrack offers a straightforward claims process with multiple options for policyholders to choose from. Whether you prefer online convenience, a phone call, or utilizing mobile apps, Safeco has you covered. Here’s a breakdown of the filing options:
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Online: Safeco provides an easy-to-use online claims portal, allowing you to submit your claims with just a few clicks. This method offers the convenience of filing from the comfort of your home.
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Over the Phone: If you prefer speaking with a representative directly, you can file a claim by calling Safeco’s customer service hotline. They will guide you through the process and address any questions or concerns.
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Mobile Apps: Safeco also offers a mobile app for claim submissions. With this app, you can file claims using your smartphone, making it a convenient option for those on the go.
Average Claim Processing Time
The efficiency of the claims process is a crucial factor when choosing an insurance provider. Safeco strives to provide prompt claim processing to ensure you get the support you need when you need it most. While specific processing times may vary depending on the nature of the claim, Safeco aims to minimize delays and expedite the resolution process.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurer’s performance in handling claims. Safeco RightTrack takes customer satisfaction seriously and continually strives to improve its claims resolution process. It’s essential to consider the experiences of policyholders when evaluating an insurance provider. We’ll explore what customers have to say about Safeco’s claim resolutions and payout experiences in this section.
Digital and Technological Features of Safeco RightTrack
Mobile App Features and Functionality
In today’s digital age, insurance companies are enhancing their services with mobile apps. Safeco RightTrack offers a mobile app with various features and functionalities designed to improve your overall insurance experience. We’ll delve into the capabilities of the Safeco mobile app, including its user-friendliness, ease of navigation, and the services it provides to policyholders.
Online Account Management Capabilities
Managing your insurance policy online has never been more convenient. Safeco RightTrack offers online account management tools that empower policyholders to take control of their coverage. We’ll explore the capabilities of Safeco’s online platform, from policy modifications to accessing important documents and information.
Digital Tools and Resources
In addition to the mobile app and online account management, Safeco RightTrack may offer additional digital tools and resources to assist policyholders in making informed decisions about their coverage. These tools could include educational resources, calculators, and more. We’ll provide insights into the digital resources available to Safeco policyholders to help them navigate the world of insurance effectively.
Frequently Asked Questions
What is Safeco RightTrack?
Safeco RightTrack is a usage-based insurance program offered by Safeco Insurance that tracks your driving habits through a telematics device and rewards safe drivers with discounts on their car insurance premiums.
How does Safeco RightTrack work?
Safeco RightTrack uses a telematics device that plugs into your car’s OBD-II port or a mobile app to collect data on your driving habits, such as your speed, mileage, and braking patterns. This data is used to calculate a score that determines your discount on your car insurance premium.
How much can I save with Safeco RightTrack?
The discount you receive with Safeco RightTrack varies based on your driving habits and can range from 5% to 30% off your car insurance premium.
Is my data private with Safeco RightTrack?
Safeco Insurance states that it uses industry-standard security measures to protect your data and that it will not sell your personal information. However, it is important to read the terms and conditions carefully to understand how your data is used and shared.
How do I enroll in Safeco RightTrack?
To enroll in Safeco RightTrack, you need to contact a Safeco Insurance agent and request to participate in the program. They will provide you with a telematics device or instructions on how to download the mobile app and set up the program on your phone.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.