No, Safeco RightTrack will not raise your rates for poor driving habits. Safeco RightTrack users will not see any rate increases for things like hard braking or rapid acceleration, good drivers can save up to 30% while using RightTrack, too.
Key Things to Know About Safeco RightTrack
Safeco RightTrack tracks things like braking, acceleration, night-time driving and, number of miles driven
Drivers can use the RightTrack app or plug-in device to track their habits
Safeco RightTrack has a 4.2/5 rating from WalletHub’s editors
Not available in CA,WA, DE, HI & NC
Customer reviews of the app average 4.3 out of 5
Minimum coverage from Safeco costs an average of $84 per month without RightTrack
Remember that poor driving while using RightTrack will not lead to as many discounts in the program as safe driving would. Additionally, regardless of whether you use RightTrack, Safeco itself can raise your rates for things like at-fault accidents, speeding tickets, and other moving violations. Safeco learns of such things from your driving record and CLUE report, rather than through RightTrack.
You can lower your Safeco car insurance costs by taking advantage of Safeco discounts, opting for a higher deductible, and reducing your coverage, among other things. Safeco considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from Safeco
Use Safeco’s auto insurance discounts
Safeco offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount if they've been accident free for a certain period of time. Or you can save on your premium if you have more than one policy with Safeco.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from Safeco can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing safe driving habits and avoiding moving violations can help you qualify for lower Safeco insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. Safeco even offers a discount to drivers who take an approved defensive driving course.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, Safeco uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Safeco premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Safeco to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for RightTrack
RightTrack, the Safeco telematics program rewards you for good driving with a discounted premium. Specifically, RightTrack tracks miles driven, acceleration, braking, and the time of day that you drive. By using RightTrack, drivers can save up to 30% on their rate.
Finally, if you’re still struggling to afford your Safeco policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
Yes, Safeco insurance rates are competitive, as the company is one of the 10 cheapest insurers nationally, according to WalletHub data. Safeco car insurance costs an average of $1,006 annually, or $84 per month.
Safeco’s car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.… read full answer
Sample Safeco Car Insurance Rates
Average Annual Cost of Minimum Coverage
These sample quotes are representative of Safeco’s insurance prices, but individual results will vary. To learn more about how we obtained these sample quotes, check out the methodology section of our complete Safeco car insurance review.
Your Safeco rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause Safeco to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. Safeco may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and crime trends.… read full answer
Top Reasons Why Safeco Raises Rates
New driver or car added to a policy
Recent switch to an expensive car
Relocation to a high-risk zip code
Decline in creditworthiness
How to Lower Your Safeco Insurance
If you’re struggling to afford your Safeco premium, there are a few steps that you can take to lower your rate. You can start by looking for Safeco discounts that you can qualify for, such as the safety features or accident free discount. You can also make changes to your policy, including raising your deductible and reducing your coverage.
Another option is to switch insurance companies. Each insurer calculates rates differently, so you may be able to get the same amount of coverage elsewhere at a lower price. As a general rule, you should get quotes from at least three different companies every 6-12 months to make sure that you’re still getting the best deal.
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