Safeco RightTrack is rated 4.2 out of 5 stars by WalletHub editors, based on factors like possible savings and customer reviews. Safeco RightTrack is an above average usage-based insurance program, since it allows customers to save up to 30% and never increases premiums.
Key Things to Know About RightTrack from Safeco
- Initial discount of 10%
- Possible savings of up to 30%
- Will not increase premiums for bad driving
- Not available in AR, CA, DC, DE, HI & NC
- Customer reviews of the app average 4.4 out of 5
What Is Safeco RightTrack?
Safeco RightTrack is a usage-based insurance program that monitors a policyholder’s driving habits in order to adjust their premium. Customers who sign up for RightTrack can save up to 30%, including an initial discount of 10%. Safeco RightTrack never increases premiums for bad driving, so policyholders will never be penalized for trying the program.
Usage-based insurance programs rely on telematics, which is a technology that uses wireless devices to transmit data. Most major insurance companies have introduced telematics programs as a way to give good drivers a discount, since safe drivers are less likely to get into an accident or file a claim.
What Safeco RightTrack Monitors
- Miles driven
- The time of day that you drive
RightTrack from Safeco tracks these behaviors using the Safeco RightTrack smartphone app. The app is available for iPhones and Androids from both the Google and Apple app stores.
Aside from sending information on your driving behavior to the company, the Safeco RightTrack app includes features such as a history of your trips and your estimated discount. The app automatically tracks rides as long as you have at least 20% battery.. It’s also worth noting that the app’s reviews are positive overall. New York drivers can also use a device that plugs into their car's dashboard to participate in the RightTrack program.
Is Safeco RightTrack Worth It?
Safeco RightTrack is worth it for safe, low mileage drivers who do not mind being monitored for insurance purposes in return for savings of up to up to 30%. On the other hand, drivers who frequently drive at night or in heavy traffic are less likely to benefit, as are careless drivers. Since Safeco won’t ever raise your rates for using RightTrack, it’s worth trying the program if you’re comfortable with the company’s data and privacy policies.
Keep in mind that your definition of safe driving might differ from Safeco’s. Make sure you know what habits RightTrack monitors, and see how they match up with your individual circumstances. For example, if you work the late shift, Safeco will count your frequent nighttime driving against you.
If you decide that Safeco RightTrack is worth it for your particular circumstances, you can enroll by talking to your Safeco agent when you purchase or renew your policy. You can also contact Safeco customer service at 1-800-332-3226 if you’re unsure whether RightTrack is available in your state.
Safeco RightTrack vs. Popular Competitors
|Insurer||Safeco RightTrack||Allstate Drivewise||Progressive Snapshot||State Farm Safe and Save|
|Potential Savings||Up to 30%||Up to 25% rebate||$146 on average||Up to 50%|
|Customer Reviews of the App||4.4||4.0||4.3||4.4|
|Can Increase Premiums?||Will not increase premiums for bad driving||Will not increase premiums for bad driving||Will increase premiums for bad driving||Will not increase premiums for bad driving|
WalletHub editors evaluated Safeco RightTrack in the following categories:
- Initial savings
- Maximum possible savings
- Average of Google and Apple app ratings
- Whether the program can increase a driver’s premium
- Overall WalletHub editor rating for the entire company
- Ease of accessing privacy and data disclosures