Safeco RightTrack Review: Pros, Cons, & Alternatives (2025)
It's possible to save a guaranteed 10% instantly on your car insurance, another 5%-30% after 90 days for the life of your policy, and become a safer driver. Our Safeco RightTrack review will show you how you can track your trips and savings in the Safeco Mobile app, then have Safeco confirm your discount and apply it to your premium.
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Table of Contents
Table of Contents
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Benjamin Carr
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated January 2025
Safeco RightTrack is a telematics program by Safeco Insurance designed to enhance driving habits and potentially reduce auto insurance premiums. RightTrack, accessible through a mobile app or plug-in device, monitors behaviors like speeding and braking over a 90-day period, offering personalized feedback.
While the program encourages safer driving and provides immediate feedback, potential drawbacks include battery and data usage concerns. Our Safeco RightTrack review highlights Safeco’s positive ratings and financial stability, mentioning a streamlined claims process and positive customer feedback.
It also touches on Safeco’s digital innovations, such as a feature-rich mobile app and online account management.
To find both the best and the cheapest car insurance companies, all you need to do is enter your ZIP code now and compare quotes. Take control of your driving and financial future with Safeco RightTrack.
- Safeco RightTrack monitors your driving habits for 90 days through an app
- Discounts are up to 30%, depending on how well you drive
- Your rates won’t be increased for poor driving
What You Should Know About Safeco Insurance
Welcome to our comprehensive article on Safeco RightTrack and how it can help you drive smarter, save more on your auto insurance, and enjoy the benefits of safer driving. In this guide, we will explore the key features, benefits, and considerations of the Safeco RightTrack program, as well as provide an in-depth review of its pros, cons, and alternatives.
Uncover one of the incredible benefits of Safeco car insurance discounts through their innovative telematics program. Experience personalized feedback, comprehensive tracking of your driving habits, and the potential to unlock valuable discounts on your car insurance premiums.
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How Safeco RightTrack Works
How does Safeco RightTrack work? RightTrack is very easy to use. You have the option to sign up for RightTrack when you activate your car insurance policy with Safeco, as part of the Safeco RightTrack car insurance discount program. Then you simply download the app or install the plug-in device depending on your state and preference. Here’s a quick overview on getting started with RightTrack:
If you’re using the app, it will run in the background on your phone and evaluate your driving habits. If you’re using the plug-in device, it will track the data, which you can check in the RightTrack portal over a 90-day review period. The behaviors tracked include braking, miles driven, rapid acceleration, and time-of-day driving.
Daniel Walker Licensed Insurance Agent who sells Safeco Insurance
The downsides are that the app does use your battery and data, which can cost you money if you don’t have a good data plan. Also, the app does store your data, which can lead to some privacy concerns. If you’re using the plug-in telematics device, it also tracks everything. So if you’re hard braking and accelerating rapidly throughout the day, it’ll add up.
However, maybe the biggest advantage to a program like RightTrack is that it makes you more aware of your driving habits. So if you start out driving a certain way, you can change and improve your numbers before the 90-day review period is up. More importantly, you can be a safer driver less likely to get a ticket or be involved in an accident.
According to the Insurance Information Institute, one of the main advantages of telematics is that it provides immediate feedback, causing you to adjust your driving habits quickly to be a safe driver.
See these tips on avoiding distracted driving:
- How Social Media Could Impact Your Insurance
- Ensure Child Safety — at Home, on the Road & at School
- 9 Worst Foods to Eat While Driving
Safeco’s Modern Approach to Car Insurance
What the Safeco RightTrack Discount Covers
What does the discount cover? The Safeco RightTrack program is designed to reward safe driving habits. The program tracks your driving behavior using a telematics device that is plugged into your car.
The device monitors your driving habits, including your speed, acceleration, braking, and time of day you drive. Based on this information, Safeco will calculate a personalized car insurance discount for you. If you are a safe driver, you could save up to 30% on your car insurance premium.
The Safeco RightTrack car insurance discount covers the following aspects of your car insurance policy:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
Read more: Does Safeco car insurance cover damage caused by a driver who is uninsured or underinsured?
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Who Is Eligible for Safeco RightTrack
If you want to get in on Safeco’s usage-based insurance, which is one of the best car insurance discounts available, you must be a Safeco policyholder who has a compatible car with an OBD-II port, which is typically found under the dashboard. You will also need a smartphone or computer to access the program portal and view your discount.
It’s worth noting that since participation in the program is voluntary, you can opt-out at any time.
Safeco Insurance Rates Breakdown
How does the insurance company determine my premium? Here is a general overview of factors that commonly affect insurance rates, including those for auto insurance, which may be relevant to Safeco RightTrack:
Factors Affecting Safeco Insurance Rates
| Factor | Details |
|---|---|
| Driving Record | A clean driving record with no accidents or traffic violations usually results in lower insurance rates. Conversely, a history of accidents or moving violations may lead to higher premiums. |
| Age | Young and inexperienced drivers often face higher insurance rates due to the perception of higher risk. Rates may decrease with age and experience, reaching a plateau for middle-aged drivers. |
| Gender | Historically, insurance companies considered gender when determining rates. However, some regions have implemented regulations prohibiting gender-based pricing. Where allowed, rates may vary based on statistical risk associated with gender. |
| Vehicle Type | The make, model, and year of the vehicle impact insurance rates. More expensive or high-performance cars may result in higher premiums due to the cost of repairs or replacement. |
| Coverage Level | The extent of coverage chosen, including liability limits, comprehensive coverage, collision coverage, and additional options, affects the overall premium. |
| Credit Score | In some regions, insurers may consider credit scores when determining rates. Individuals with higher credit scores may be eligible for lower premiums. |
| Location | The geographic location of the insured can impact rates. Urban areas with higher traffic and crime rates may result in higher premiums. |
| Marital Status | Married individuals may receive lower rates compared to single counterparts, as statistics suggest that married drivers are often considered lower-risk. |
| Discounts | Insurance companies offer various discounts that can lower premiums. These may include multi-policy discounts, good driver discounts, safe driver discounts, and discounts for completing defensive driving courses. |
For Safeco RightTrack, driving habits monitored through telematics play a crucial role in determining discounts. Safe driving behaviors such as avoiding hard braking, rapid acceleration, and maintaining speed limits can contribute to potential premium reductions.
Safeco Insurance Discounts Available
Here’s a list of some of the best car insurance discounts that are typically offered by insurance companies. The availability of these discounts may vary, and it’s recommended to check with Safeco Insurance for their specific offerings:
Safeco Insurance Discounts
| Discount | Details |
|---|---|
| Multi-Policy Discount | Discount for bundling multiple insurance policies, such as auto and homeowners insurance, with the same company. |
| Safe Driver Discount | Rewards drivers with a clean driving record, free from accidents or traffic violations |
| Good Student Discount | Offers lower rates for young drivers who maintain a high academic performance. |
| Defensive Driving Course Discount | Provides a discount for completing an approved defensive driving course. |
| Anti-Theft Device Discount | Discounts for vehicles equipped with anti-theft devices or security systems. |
| Multi-Car Discount | Lower rates for households with multiple vehicles insured with the same company. |
| Homeownership Discount | Some insurers offer discounts to homeowners based on the assumption that homeowners may be more responsible. |
| Pay-in-Full Discount | Discounts for policyholders who pay their annual premium in a single lump sum. |
| Loyalty Discount | Rewards policyholders for staying with the same insurance company over an extended period. |
| Low Mileage Discount | Discounts for drivers who travel fewer miles, as lower mileage may correlate with lower risk. |
| Safety Feature Discount | Rewards vehicles equipped with safety features such as airbags, anti-lock brakes, or electronic stability control. |
| Green Vehicle Discount | Discounts for driving environmentally friendly or fuel-efficient vehicles. |
| Affinity Group Discounts | Some insurers offer discounts to members of certain organizations, alumni associations, or professional groups. |
It’s important to note that Safeco Insurance may have its own unique set of discounts, and individuals should inquire directly with the company or their agent to understand the specific discounts available to them.
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Safeco RightTrack Effortless Claims Process
Ease of Filing a Claim
Safeco RightTrack offers a streamlined claims process, allowing customers to file claims conveniently through various channels. Whether it’s online, over the phone, or through mobile apps, policyholders can report incidents with ease and efficiency. The user-friendly interfaces ensure a hassle-free experience, enhancing customer satisfaction.
Read more: What documentation do I need to file a car insurance claim with Safeco?
Average Claim Processing Time
Safeco RightTrack boasts a quick and efficient claim processing system. Customers can expect their claims to be handled promptly, minimizing waiting times and ensuring timely resolutions. The company’s commitment to swift processing reflects its dedication to customer convenience and peace of mind.
Read more: How long does it typically take for Safeco to process a car insurance claim?
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in evaluating insurance services. Safeco RightTrack has garnered positive reviews regarding its claim resolutions and payouts.
Policyholders appreciate the fair and transparent approach, with many expressing satisfaction with the outcomes. This positive feedback underscores the company’s commitment to customer satisfaction and reinforces its reputation for reliable claim handling.
Read more: How do I appeal a car insurance claim with Safeco?
Exploring Digital and Technological Innovations of Safeco RightTrack
Mobile App Features and Functionality
Safeco RightTrack offers a feature-rich mobile app that provides users with comprehensive insights into their driving habits. The app’s intuitive interface allows customers to monitor their driving behavior, track discounts earned, and receive personalized feedback. With real-time data and interactive features, the mobile app enhances user engagement and encourages safer driving practices.
Online Account Management Capabilities
The online account management system provided by Safeco RightTrack empowers policyholders with convenient access to their insurance information. Customers can manage policies, review driving data, and track discounts online. The user-friendly platform ensures seamless navigation, enabling users to make updates, view documents, and monitor their progress in the telematics program effortlessly.
Read more: How can I track the progress of my car insurance claim with Safeco?
Digital Tools and Resources
Safeco RightTrack offers a range of digital tools and resources designed to educate and support customers. From informative articles to interactive resources, policyholders can access valuable information on safe driving practices, insurance discounts, and program benefits.
These digital resources not only enhance customer awareness but also contribute to fostering a culture of responsible driving among Safeco’s clientele.
How Safeco Insurance Ranks Among Providers
Safeco is just one of a multitude of insurance companies offering usage-based insurance discounts, so its RightTrack program faces a lot of competition.
Although, when you look at the potential savings amounts in our list of the major car insurance providers’ telematics programs, you’ll see Safeco is in a league of its own for having the highest discount amount:
Usage-Based Car Insurance Programs by Provider & Savings Amount
Insurance Company Potential Savings
Allstate Drivewise 30%
American Family KnowYourDrive 15%
DriveSense by Esurance 25%
Farmers Signal 10%
Geico DriveEasy 20%
Liberty Mutual RightTrack 35%
Nationwide SmartRide 10%
Progressive Snapshot 20%
Safeco RightTrack 35%
State Farm Drive Safe & Save 30%
Travellers IntelliDrive 15%
TrueLane by The Hartford 20%
USAA SafePilot 30%
When comparing companies, it’s essential to prioritize factors based on individual preferences and needs. Additionally, reach out to the companies directly for the most accurate and up-to-date information on their offerings and services.
Read more: Best Car Insurance for UBI/Pay-Per-Mile
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Whether Safeco RightTrack Is Right for You
Is Safeco RightTrack the right move for you? If you’re a safe driver, the Safeco RightTrack program could help you save on your car insurance premium.
By using telematics technology to monitor your driving habits, Safeco is able to calculate a personalized discount based on how safe you are behind the wheel.
Plus, with other discounts available, you could save even more on your car insurance. Talk to your Safeco agent today to learn more about your options.
Kristine Lee Licensed Insurance Agent
Safeco RightTrack reviews are generally mixed, but company auto insurance reviews are fairly high. The company has good Better Business Bureau ratings and is financially stable.
Safeco is part of Liberty Mutual, one of the best insurance companies when it comes to ratings. But, that doesn’t mean it’s right for you. Other programs, like Geico DriveEasy car insurance discount or Progressive Snapshot, are similar to RightTrack but may offer you lower rates.
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Maximizing Savings with Safeco RightTrack: A Comprehensive Overview
Frequently Asked Questions
Is Safeco auto insurance good?
Safeco auto insurance is generally well-regarded, but individual experiences may vary.
Does Safeco have roadside assistance?
Yes, Safeco offers roadside assistance as part of its auto insurance coverage. Learn more about roadside assistance coverage in our article.
What is Safeco RightTrack?
Safeco RightTrack is a usage-based insurance program that rewards safe driving habits with potential discounts on auto insurance premiums.
What does Safeco RightTrack monitor?
Safeco RightTrack monitors various driving behaviors such as acceleration, braking, cornering, and speed.
Does Safeco RightTrack monitor speed?
Yes, Safeco RightTrack monitors various driving behaviors including speed. (For more on the correlation between speeding and car insurance rate, see our article, I just got a seeding ticket. How much will it affect my auto insurance premium?)
Are tracking apps good or bad?
Tracking apps can be beneficial for promoting safe driving habits and potentially lowering insurance premiums, but some may have concerns about privacy.
How does RightTrack work?
RightTrack works by monitoring driving behaviors through a telematics device installed in your vehicle, which then determines your potential discount based on safe driving habits. (For some driving tips, review our article, Your Car and Your Dog — Tips to Help You Drive Safely.)
Can I turn off RightTrack?
Yes, you can typically opt-out of Safeco RightTrack if you prefer not to participate in the program.
Does my car have a tracker fitted?
This depends on whether you’ve enrolled in a tracking program like RightTrack with your insurance provider. Not all cars come with trackers installed by default.
Who is better, Progressive or Safeco?
The better choice between Progressive and Safeco depends on individual preferences, coverage needs, and pricing. (See our Progressive Insurance Review & Ratings.)
Does RightTrack monitor location?
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