Safeco RightTrack Review: Pros, Cons, & Alternatives

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.

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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: Jun 28, 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

4.02 (1,125 reviews)
1
April 4, 2022

Jeroxide

Not recommended

I have used Saefco for years withou ever filing a claim. I finally made a ckaim and it was refused on a technicality. I will be moving my insurance to a different company. I would not recommend
3
January 15, 2022

vimalwalker

Claims rep from Safeco

They are cheap but when you file a claim it's a major headache. No response from Ajustors. Poor communication and horrible customer service.
2
November 29, 2021

Fordman100

This place too expensive to stay

They jacked up my rates I used to pay 187 now I got to pay more than that that's not fair either I can only for 187 not to 214
5
October 6, 2021

Lady3jade

$30 less

When you pay $30 less a month than what credit karma deems the lowest price and you're fully covered.... Yeah that's Safeco! Thank you for all you do Safeco! I personally love you guys!
1
July 16, 2021

Marcia_Mazze_

No Road Assistance

Last Monday I asked for help with the 24-hour assistance number they offer. I was standing in front of one of the Boston airport exit gates and the car stopped working. The first call was at 9:24 pm, after several calls, around midnight my car was towed by the airport staff to another place inside. I called to inform the new address where the car was, they had no forecast of when they could meet me, even though I warned that the car was full o...
Last Monday I asked for help with the 24-hour assistance number they offer. I was standing in front of one of the Boston airport exit gates and the car stopped working. The first call was at 9:24 pm, after several calls, around midnight my car was towed by the airport staff to another place inside. I called to inform the new address where the car was, they had no forecast of when they could meet me, even though I warned that the car was full of suitcases and that there was a child with me. I had to call an Uber and got home at 1:30 in the morning. Someone who can guide me on how to proceed? I went to the company's website to ask for some kind of repair, after all only the Uber was 180 dollars, today they called me back saying only that despite being sorry there is nothing they can do. I want to sue the company. I am very frustrated.
1
July 3, 2021

martins3

No roadside service when it’s needed

I’m two states away from home. It’s night and raining. I have a flat tire. I’ve had Safeco for over a decade. I called for my 24 hour service. It’s not happening until morning - if it happens then. Because of the holiday.
1
May 25, 2021

Screwedbysafeco

Horrible company

Safeco is the worst insurance company next to their parent company Liberty Mutual. They promise low rates but wait. On your renewal they will double or triple your premiums. They are the low end write off for Liberty Mutual. They will do everything they can to not pay a claim. Their claims adjusters are completely INCOMPETENT. [REDACTED NAME] is the most incompetent adjuster they have. Someone has to pay for the stupid Liberty Mutual Commercials...
Safeco is the worst insurance company next to their parent company Liberty Mutual. They promise low rates but wait. On your renewal they will double or triple your premiums. They are the low end write off for Liberty Mutual. They will do everything they can to not pay a claim. Their claims adjusters are completely INCOMPETENT. [REDACTED NAME] is the most incompetent adjuster they have. Someone has to pay for the stupid Liberty Mutual Commercials on tv and that's you. If you want to get shafted, then this is the insurance for you. If you have any brains, you'll get anyone but Safeco or Liberty Mutual. They also own The General. Stay far far away from all three.
1
May 16, 2021

Prashanthi_

Worst claim processing

I filed claim with safeco Insurance. They don’t respond well when called multiple times. My car was not repaired on time and they dint provide any alternative like rental car etc. I think they are worst at processing auto claims. I recommend don’t go with this insurance company and don’t repent later.
5
January 14, 2021

1610cceT

Great Service

Safeco has been great to work with. I had 2 claims in one year because of no fault accidents. They were quick to get me the money for the repairs. The agent helping me through the process was very attentive and made it seamless.
3
January 11, 2021

Trouble1

Not pleased

Was very helpful with accident when I was hit by a drunk driver. I was hit in the parking by someone who drove off and I was told if I file a claim I would be dropped. It wasn’t my fault and I paid for full coverage. So stupid I paid for full coverage all those years and I’m driving around a car with a wrecked front end.
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