Safeco RightTrack Review: Pros, Cons, & Alternatives (2023)

Safeco RightTrack is a usage-based car insurance program that monitors driving habits over time. The Safeco RightTrack discount is between 5% and 30%, and is applied to your renewal rate after 90 days of tracking speed, hard braking, and more. The Safeco RightTrack app runs in the background on your phone, and does use some data. The discounts last for as long as you stay with Safeco.

UPDATED: Dec 16, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Dec 16, 2022

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The Rundown

  • Safeco RightTrack monitors your driving habits for 90 days through an app
  • Discounts are up to 30 percent, depending on how well you drive
  • Your rates won’t be increased for poor driving
  • You can only sign up for RightTrack when you start your auto insurance policy with Safeco

Safeco RightTrack is a telematics program that offers you auto insurance discounts based on safe driving habits. Better driving equals bigger savings.

Discounts through RightTrack are good for the life of your car insurance policy, and your rates won’t increase if you have poor driving habits.

Because rates are calculated based on driving habits, Safeco RightTrack car insurance rates can’t be estimated. Before you buy Safeco RightTrack auto insurance, see if you can save without the need to monitor your driving. Enter your ZIP code now to compare free quotes.

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. Then you simply download the app or install the plug-in device depending on your state and preference.

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
  • Rapid acceleration
  • Time of day
  • Miles driven

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.

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Is RightTrack from Safeco worth it?

There are pros and cons when it comes to a program like RightTrack and it may not be for everyone.

Pros for using RightTrack include:

  • The program is free and easy to use
  • If you drive safely, you will save money on your auto insurance
  • Any discount you receive is for the life of your policy
  • You will pay more attention to your driving and improve any poor habits you might have picked up

Cons of using RightTrack are:

  • The app does use your data. So if you don’t have a good data plan in place, it can actually cost you money
  • You only have 90 days to show good driving habits
  • RightTrack isn’t available in every state. You can’t get RightTrack in Arkansas, California, Delaware, Hawaii, North Carolina, and Washington D.C.
  • Your data is tracked which can compromise your privacy
  • Safeco generally has more expensive car insurance rates to start with

Is Safeco RightTrack The Right Move for You?

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 or Progressive Snapshot, are similar to RightTrack but may offer you lower rates.

Although RightTrack might help you get affordable Safeco RightTrack car insurance, you won’t be able to get Safeco RightTrack auto insurance quotes ahead of time. If you’d rather save right now, compare free quotes by entering your ZIP code.

Reviews
for Safeco Insurance

3.98 (1,143 reviews)
1
November 26, 2022

NatQueenCole

Canceled policy without notice

They have canceled my policy twice now for returned payments. The first one was a bank error. Over draft should've pulled funds from our savings but didn't. 2nd one was after switching credit unions. I received no phone call, text, email or letter about the payment until they canceled. I've been driving with no insurance for a week & didn't even know it!? We definitely would have switched our auto pay account to the new bank right away had we kno...
They have canceled my policy twice now for returned payments. The first one was a bank error. Over draft should've pulled funds from our savings but didn't. 2nd one was after switching credit unions. I received no phone call, text, email or letter about the payment until they canceled. I've been driving with no insurance for a week & didn't even know it!? We definitely would have switched our auto pay account to the new bank right away had we known! Wepay every 6 months so it wasn't caught with the rest of our accounts rights away. We only chose this company because a quote bundled it well with our home policy.
1
November 14, 2022

araeyoung

HORRIBLE company, zero stars

We decided to go with this company because at the time it was the cheapest. We liked them up until we were in an accident where another driver was driving in the wrong lane and hit us head-on. This company is absolute garbage! No one ever answers the phone, we had documents lost which we had to re-sign, and it took months for us to get our money from the accident. And now when I am trying to add another vehicle to our policy, I can't get through ...
We decided to go with this company because at the time it was the cheapest. We liked them up until we were in an accident where another driver was driving in the wrong lane and hit us head-on. This company is absolute garbage! No one ever answers the phone, we had documents lost which we had to re-sign, and it took months for us to get our money from the accident. And now when I am trying to add another vehicle to our policy, I can't get through to anyone. They are SO frustrating to deal with, DO NOT work with this agency.
1
October 13, 2022

shirleystonejones

RUN

If you want to pay a good price for insurance, Safeco is it. If you want them to pay for an accident, Safeco IS NOT IT. I canceled my insurance last February on our snowmobile and added the new one. Then in April, I found out the new one was never added, and I was still paying for the old one. So if we would have gotten into an accident during snowmobiling, we would not have been covered. I never got reimbursed. I complained many times about not ...
If you want to pay a good price for insurance, Safeco is it. If you want them to pay for an accident, Safeco IS NOT IT. I canceled my insurance last February on our snowmobile and added the new one. Then in April, I found out the new one was never added, and I was still paying for the old one. So if we would have gotten into an accident during snowmobiling, we would not have been covered. I never got reimbursed. I complained many times about not honoring their mistake. I was in a car accident in February. I called my agent. He said he would put in the order. I got the quotes he said to get from 2 shops and sent them to him. In May, I had not heard back from him, so I called, and he stated he had forgotten. In April, I called him again he said he would do it right then. I said I've been losing money since February because I can't drive to work. His exact words were, "ok, let's get your car in, get it fixed, and get you on the road." So I did. I got it in a shop, got it fixed, and sent him the bill. It was denied. I went to corporate, and they did not honor what the agent told me to do, and now I have a huge bill. I called my agent to have a vehicle added because I was going to take it on a 7-hour drive. He did not do it, so I drove it on the interstate, and if I would have been in an accident or gotten pulled over, I would have gotten into so much trouble. I called corporate, and they honored nothing. But I got insurance at a good cost with lots of coverage but no company honor to pay. I'm in the process now of hiring an attorney to sue them, and he says I have a solid case. I gave them many chances to make their many mistakes right, but they refused. They finally canceled the old snowmobile, and I guess that makes it right in their eyes, but it doesn't. I paid my bill every month for a service I may or may not have needed, and when I did, they screwed me over. This has been almost a year, and that is long enough to hope they would do the right thing with me.
5
September 21, 2022

RioRobin

Safeco is awesome!!

We unfortunately had to file our first claim this week. After many years of paying insurance, we were a bit apprehensive as this was the cheapest insurance we could find. Several times other companies have tried to steal us, but rates dont come close to safeco. [REDACTED NAME] [REDACTED NAME] was our claim manager, and I cannot say enough great things about her, but will try: She was very patient and answered all our questions in a clear to und...
We unfortunately had to file our first claim this week. After many years of paying insurance, we were a bit apprehensive as this was the cheapest insurance we could find. Several times other companies have tried to steal us, but rates dont come close to safeco. [REDACTED NAME] [REDACTED NAME] was our claim manager, and I cannot say enough great things about her, but will try: She was very patient and answered all our questions in a clear to understand way!! She showed sincere sympathy for our situation, and worked hard to get our claim handled in less than 2 days! We hope you realize, She is one of your companies greatest assets! Thank you [REDACTED NAME] and everyone at safeco for taking care of your customers!! Robin & Mark [REDACTED NAME]
2
September 16, 2022

Ado86

Loss of savings if using RightTrack

It seems to be an okay insurance Company but there RightTrack Savings Program penalizes you if you happen to either leave for or head home from work in between the hours of midnight and 4:00 a.m. penalty seems to be $30 of loss in savings every time you have to drive during those hours until you reach a $0 savings which I think is ridiculous
1
September 14, 2022

Jrosec18_gmail_com

[REDACTED NAME] and her team of crooks!!!

We have been loyal customers for years and just attempted to file our first claim. No one replies in a timely manner. They do not answer the phone and will refuse to pay any claim. [REDACTED NAME] had the worst attitude and basically treated me as if I was a liar. Then she sends a letter dated 9/8 which was received 9/13 overnighted on the package that we have to comply with her unreasonable request by 9/15 or they will deny the claim. Last 6 mo...
We have been loyal customers for years and just attempted to file our first claim. No one replies in a timely manner. They do not answer the phone and will refuse to pay any claim. [REDACTED NAME] had the worst attitude and basically treated me as if I was a liar. Then she sends a letter dated 9/8 which was received 9/13 overnighted on the package that we have to comply with her unreasonable request by 9/15 or they will deny the claim. Last 6 months of bank statements, auto loan bill showing amount, name on the bill, and account number, proof we were where we said we were from 9/1-9/3, my wife’s drivers license, phone records of our call logs from 9/1-9/8. This is completely absurd. I have never been through this with any business or insurance company. We leave messages to no avail and still get nowhere. This company is full of crooks who are pros at it. The only thing you get when you pay for this insurance is proof you have insurance. Don’t ever file a claim because they will do everything on their power to deny it.
1
September 1, 2022

TwTJenn

Horrible customer service!

I was in a car accident last week. The company representative kept calling telling me I had to get my things out of the car and I needed to release the vehicle to them so they can move it to their facility immediately. When I did, it took the insurance company a week to move the car, and perform their valuation. Now, they don't want to pay me the valuation of the car! And they haven't paid the finance company yet either! This insurance company is...
I was in a car accident last week. The company representative kept calling telling me I had to get my things out of the car and I needed to release the vehicle to them so they can move it to their facility immediately. When I did, it took the insurance company a week to move the car, and perform their valuation. Now, they don't want to pay me the valuation of the car! And they haven't paid the finance company yet either! This insurance company is a bunch of thieves. The only way the agents communicate with you is via email as well. No personal customer service. I definitely do not recommend them at all.
1
August 11, 2022

Angry_customer

Safeco's going to kill us

Late winner of 2021 in the middle of the night on a desolate road with no shoulders we experienced a flat tire. We had to pull into a ditch and required roadside assistance from Safeco insurance. After sitting for 5 hours and no tow truck I know answers from Safeco insurance we had to call 911 because diabetes untreated is deadly and we needed to get some insulin for my husband. If it wasn't for the police officer a tow truck would not have come....
Late winner of 2021 in the middle of the night on a desolate road with no shoulders we experienced a flat tire. We had to pull into a ditch and required roadside assistance from Safeco insurance. After sitting for 5 hours and no tow truck I know answers from Safeco insurance we had to call 911 because diabetes untreated is deadly and we needed to get some insulin for my husband. If it wasn't for the police officer a tow truck would not have come. The tow truck only arrived thank you to the Idaho State patrol. It is August 11th 2022 and we are requiring road assistance again. After 3 hours of waiting I was able to get a ride back into town while my husband stayed out on the side of the highway with no shade in 100° weather waiting on Safeco to get a tow truck. They kept insisting we use their hyperlinks when there was no internet service where we were broke down at. my husband is still on the side of the road I have since called Safeco to figure out what can be done and their solution was to either again have the police handle it for them or to simply abandon our vehicle on the side of the road. I did ask Safeco insurance if I could file a formal complaint and was refused. After speaking with about 10 different staff members all I got was asinine explanations of policies and procedures that did not apply to the situation at hand. Talk about some salt on the want. We've held this policy for over 10 years you think of business would appreciate their customers a lot better. Putting people's lives in danger because you want to follow a script should be against the law. Shame on you Safeco insurance how dare you put people's lives in danger
1
July 30, 2022

spencercarpenter

This company is horrible

I was a victim of an accident where the other party admitted fault. Decided that did not want to sue because the insurance stated they would fix my car at any given auto shop. At the very start of the claim, Safeco/ Liberty Mutual was very distant and not at all communitive with me about the process. I had to initialize everything with everyone in the process except the auto shop was impossible to get in touch with. Finally a month or more later ...
I was a victim of an accident where the other party admitted fault. Decided that did not want to sue because the insurance stated they would fix my car at any given auto shop. At the very start of the claim, Safeco/ Liberty Mutual was very distant and not at all communitive with me about the process. I had to initialize everything with everyone in the process except the auto shop was impossible to get in touch with. Finally a month or more later I was able to get my car in the shop and they helped me to even get a rental car for work. I live paycheck to paycheck in these hard times and need a car for work every day. Then the emails between Mr. [REDACTED NAME] and Mr. [REDACTED NAME] stated the rates and what they would be paying. Safeco in the rates was severely undercutting the rates given by the auto fix shop (the only Mazda-certified shop in Arizona). The great communications of the auto shop were met with very poor communications by Liberty mutual. This has to be the worst insurance experience I've gone through. Safeco stated that they would not budge and never contacted me about any of this, I had to find out when trying to pick up my car when it was fixed. I live an hour and a half away from the auto shop, not to mention throughout the process had to take 2 non-paid days off work (I can't afford this). Safeco stated my car was fixed and needed to be picked up or I would have to start paying for the rental car out of pocket. The auto shop stated that same day that they would start to charge me storage fees if not picked up that day. When I arrived they stated that the insurance refused to pay the $770.47 for the labor fees and that I will not be getting my car back till it was paid. I don't have $770.47 for this surprise expense. I needed a car, communicating with Safeco/Liberty Mutual was no help at all. They said that I would have to cover this and that they would not be helping at all. They said I get to pick the auto shop, but nothing was communicated about me having to pay this surprise expense and was never able to get in touch with Mr. [REDACTED NAME] throughout the entire process (called, emailed, voicemail). Communication was the biggest factor where Safeco/Liberty Mutual failed, because if I was told that I would have to pay for something that I know I didn't have the money for then I would have taken my car to a shop less expensive.
1
June 23, 2022

Aethurbe

They secretly cancel your policy

They are extremely shady in that they will send you new cards and tell you you are set for automatic renewal, then cancel your policy when you don't pay. They make it very unclear that there's still a bill to be paid and that it is not an automatic payment. Then after going months without insurance because they secretly cancel the policy, they reinstate you at a higher charge when you figure it out. They do not tell you your policy got canceled a...
They are extremely shady in that they will send you new cards and tell you you are set for automatic renewal, then cancel your policy when you don't pay. They make it very unclear that there's still a bill to be paid and that it is not an automatic payment. Then after going months without insurance because they secretly cancel the policy, they reinstate you at a higher charge when you figure it out. They do not tell you your policy got canceled and allow you to be uninsured unknowingly for months. Stay far away from this company.
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