Insurance Other Insurance Topics Safeco RightTrack Auto Insurance Review By Janet Hunt Updated on November 26, 2021 Reviewed by Eric Estevez Fact checked by Hans Jasperson Fact checked by Hans Jasperson Hans Jasperson has over a decade of experience in public policy research, with an emphasis on workforce development, education, and economic justice. His research has been shared with members of the U.S. Congress, federal agencies, and policymakers in several states. learn about our editorial policies In This Article View All In This Article Safeco RightTrack Program Features RightTrack Eligibility How Much Can You Save? Privacy of Personal Data The Bottom Line Photo: Nicholas T / Flickr Safeco Insurance is part of the Liberty Mutual Group. It is based in Seattle, Washington. The company offers personal and business insurance products through its network of independent agents across the U.S. Safeco offers a usage-based auto insurance program called RightTrack. Auto insurance customers who are safe drivers have a chance to earn as much as a 30% discount on their premium through this program. It uses a telematics device that monitors driving habits and then reports them back to the insurer. As of 2022, RightTrack is available in almost every state. Arkansas, California, Delaware, Hawaii, North Carolina, and the District of Columbia are exceptions. There are currently two ways to participate in RightTrack: either by a plug-in device (for New York State residents only) or by using the mobile app. Key Takeaways The RightTrack program can help you get a premium discount; it measures your driving habits via a telematics device or mobile app.There is a 90-day review period during which RightTrack collects your data and determines your eligibility.The best ways to maximize your discount are to avoid hard braking, rapid acceleration, and driving between midnight and 4 a.m.There is no fee to join the program. Safeco RightTrack Program Features Safeco’s RightTrack program is not to be confused with the actual accident forgiveness program offered by Safeco. That is designed for future accidents. RightTrack is not accident forgiveness; it only measures safe driving habits. This data is used to determine your auto policy discount. Note Safeco RightTrack has replaced the previous program offered by Safeco. That was called Rewind. The Sign-Up Discount RightTrack offers a starting discount just for signing up for the program. This is even before your driving habits are recorded by the mobile app or by the telematics device that easily plugs into your vehicle. You must install the device within 30 days to be eligible for any discounts. Tip If your device does not seem to work properly, you can contact Safeco at 877-934-5335. The first discount applies to base coverage. This includes bodily injury, property damage, comprehensive collision, personal injury protection (PIP), medical payments, and uninsured motorist/underinsured motorist. The enrollment discount varies by state. It will be replaced by the final discount upon completion of the program. The Final Discount The final discount can vary from 5% to 30%; it depends 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 policy. Note What 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 that vehicle to your policy within 60 days of removing the enrolled vehicle. You can continue the program by enrolling in your replacement vehicle. The information collected to determine your overall discount will consider: The number of miles you drive.The time of day or night you drive.Any rapid acceleration.Any hard braking. RightTrack Eligibility RightTrack is available to new auto customers who have a valid email address and drive an eligible vehicle. For New York residents, most vehicle model years of 1996 and newer are compatible with the RightTrack device and are eligible for participation in the program. You can enroll more than one vehicle. Just be sure that all vehicles meet the eligibility requirements. There is no fee to enter the program. For New York residents, the company will send you the device to plug into the vehicle, along with installation instructions. Participants in other states must download the RightTrack mobile app. Your driving data is available for you to review online, You can track your progress through a secure website. The evaluation period is 90 days. If you received a device, Safeco will send you a pre-paid package to mail it back. Then, it will use the driving data gathered to determine your discount. If you decide to opt out before the 90-day review period ends, you can contact your local Safeco agent. After opting out, you will forfeit the initial discount. You will also not be eligible for any future RightTrack discounts. How Much Can You Save? The savings of RightTrack will vary; it's all based on your driving habits. Safeco policyholders are guaranteed a discount of 5% to 30% off their premium. The best ways to get a higher discount are to avoid driving between midnight and 4 a.m., avoid hard braking, and avoid rapid acceleration. Note If you're having a hard time affording your monthly payment, you might be paying too much for your policy. Privacy of Personal Data Safeco states that the data it collects may be used for internal research purposes, but it is never used to cancel or non-renew your auto policy. Any personal information is not shared with any third parties, except when it may be used to service your auto 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 have safe driving habits. If you are already a Safeco customer, it makes sense to enroll and save money for driving safely. Was this page helpful? Thanks for your feedback! Tell us why! Other Submit Sources The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. Safeco. "Protecting Families and Individuals Since 1923." Safeco. "How Telematics Can Help You Save on Auto Insurance." Safeco. "Get Rewarded for Safe Driving With RightTrack." Safeco. "Get to Know Your Auto Coverage Options." Safeco. "RightTrack Plug-In—FAQs." Safeco. "Safeco RightTrack Program Terms & Conditions."