Safeco RightTrack Review

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••• By Nicholas A. Tonelli from Pennsylvania, USA (Approach) via Wikimedia Commons.

Safeco Insurance is part of the Liberty Mutual Group and is headquartered in Seattle, Washington. It offers personal and business insurance products through its network of over 9,000 agents across the U.S. With Safeco’s usage-based auto insurance program, RightTrack, auto insurance customers who are safe drivers have a chance to earn as much as a 30% discount on their auto insurance premium. Safeco RightTrack has replaced the previous telematics program offered by Safeco called “Rewind.” The program uses a telematics device which monitors driving habits and reports them back to the insurer.

RightTrak is available in 42 states: AR, AL, AZ, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, and WY.

Safeco RightTrack Program Features

Safeco’s RightTrack program is not to be confused with the actual accident forgiveness program offered by Safeco which is designed for future accidents. RightTrack is not accident forgiveness, it only measures safe driving habits and this data is used to determine your overall auto policy discount.

RightTrack offers an initial discount for signing up for the program even before your driving habits are recorded by the telematics device that easily plugs into your vehicle. You can view installation instructions here. If your device does not seem to working properly, you can contact Safeco at 1.877.934.5335. You must install the device within 25 days of the shipping date to be eligible to receive any discounts.

The initial discount applies to base coverage including: bodily injury, property damage, comprehensive collision, personal injury protection (PIP), medical payments, uninsured motorist/underinsured motorist. The enrollment discount varies by state and will be replaced by the final discount upon completing the program. The final discount can vary from 5% to 30% depending on the information collected during the 90-day review period. The discount applies to the coverage for the enrolled vehicle for the life of your auto insurance policy.

If you change vehicles during the review period, Safeco will apply any savings you have already earned to the replacement vehicle as long as you add the replacement vehicle to your policy within 60 days of removing the enrolled vehicle. You can continue the program by enrolling your replacement vehicle.

The information collected to determine your overall discount includes:

  • Number of miles driven
  • Time of day or night you drive
  • Rapid acceleration
  • Hard Braking

Eligibility

RightTrack is available to new auto customers who have a valid email address and drive an eligible vehicle. Vehicle model years of 1996 and newer are compatible with the RIghtTrack device and eligible for participation in the program. You can enroll more than one vehicle as long as all vehicles meet the eligibility requirements.

There is no fee to enter the program. Once you sign up, the company will send you the device to plug into the vehicle with installation instructions. Your driving data is available for you to review online and you can track your progress through a secure website. The evaluation period is 90 days, after which time, Safeco will send you a pre-paid package to mail back the device and then use the driving data gathered to determine your discount.

If you decide to opt out before the 90-day review period has been completed, you can contact your local Safeco agent. When you opt-out, you will forfeit the initial discount and you will not be eligible for any future RightTrack discounts.

Privacy of Personal Data

Safeco states the data it collects may be used for internal research purposes but is never used to cancel or non-renew your auto policy. Any personally identifiable usage information is not shared with any third parties except when it may be used to service your auto policy. For more information, you can review the Safeco Privacy Policy.

The Bottom Line

Safeco’s RightTrack program is a usage-based auto insurance program that offers a way to save up to 30% on your auto insurance premium if you follow safe driving habits. If you are already a Safeco customer, it makes sense to enroll and save money for driving safely.

If you are looking for other ways to save on your auto insurance premium, check out these 10 reasons you may be paying too much for auto insurance.