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Safeco® RightTrack®
Frequently Asked Questions

About the Program

How does the program work?

Once you enroll in RightTrack, you will immediately receive an initial discount on your vehicle's premium*, and Safeco Insurance will provide you with a free, easy-to-install RightTrack device that plugs into your vehicle (no tools required). Then, all you have to do is drive as you normally would throughout the program’s 90-day review period. Once it’s over, we will determine your final RightTrack discount — up to 30 percent — and apply it to your vehicle's premium for the life of your policy. Participation in RightTrack is voluntary.

Are there any costs to participate?

No. RightTrack is free, and there is no charge for using the device.

How can I view my driving information and projected discount?

After plugging in the RightTrack device, you will receive instructions via email on accessing a secure online dashboard with your driving patterns and your projected discount. You can view your dashboard at any time during the 90-day review period and up to 30 days after completing the program. It may take up to 24 hours for your latest driving information to appear.

Can I opt out before completing the review period?

Yes. You can opt out at any time during the 90-day review period by contacting your local Safeco agent. Your insurance coverage will continue, but you will forfeit the initial discount. You will not be eligible for any subsequent RightTrack discounts.

Benefits and Savings

What is the benefit of enrolling in RightTrack?

With RightTrack, you save immediately and could earn up to a 30 percent discount on your auto insurance after only 90 days for being a good driver. You’ll also learn about your driving patterns, including the time of day and miles your drive, plus any instances of hard braking or rapid acceleration.

Is a discount guaranteed at the end of the RightTrack review period?

Yes. No matter how you drive throughout the program, your final discount will save you between 5% and 30%

How will Safeco notify me of my final discount?

After you complete the 90-day review period, we will send you an email with the final discount. You will also receive new policy documents that reflect your adjusted premium a few weeks after completing the program.

If I change vehicles, will my discount still apply?

Yes. If you change vehicles after completing the review period, we will apply any savings to the replacement vehicle. You must add the replacement vehicle to your policy within 60 days after removing the originally enrolled vehicle. If you need to change your enrolled vehicle during the review period, you may continue the program by enrolling a replacement vehicle. Please contact your local Safeco agent for help changing your vehicle.

How long is the discount effective?

The discount you earn will apply to your vehicle, or its replacement, for the life of your policy.

Eligibility and Enrollment

Where is RightTrack available?

RightTrack is available in AR, AL, AZ, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, NY¹, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, and WY.

How do I know if I am eligible?

RightTrack is available to new auto insurance customers who have a valid email address and an eligible vehicle. Most 1996 and newer model year vehicles are compatible with the RightTrack device and eligible for the program. Please contact your local Safeco agent with eligibility questions.

Can I enroll more than one vehicle?

Yes. You can enroll as many vehicles as you like, as long as the vehicles are eligible for the program.

How do I sign up?

Please contact your local Safeco agent about enrolling in RightTrack.

What happens after I sign up?

Once your policy takes effect, Safeco will email you a link to the RightTrack Terms and Conditions. After you accept them, you will receive a RightTrack device in the mail. Please plug it in to the enrolled vehicle right away to begin the 90-day review period.

You only need to accept the Terms and Conditions once, even if you enroll multiple vehicles.

Please note: You must accept the Terms and Conditions within 15 days of receiving them and install the device within 30 days of receiving it to complete your enrollment in RightTrack. Otherwise you will be ineligible to participate in the program and forfeit your discount.

Installing and Using the Device

How do I install the RightTrack device?

The small RightTrack device plugs into your vehicle's Onboard Diagnostic (OBD-II) port, which is typically located under the dashboard near the steering wheel. With the device, we will include easy-to-follow installation instructions along with contact information in case you need assistance.

The RightTrack device you receive will be assigned to the vehicle indicated on/in the box. If you enroll multiple vehicles, be sure to install the appropriate device in the appropriate vehicle.

How do I know if the RightTrack device has been installed properly?

Blinking lights on the device will indicate a successful installation. We will also send you an email soon after your first drive with the device installed. The email will confirm that your device has been activated and will include directions for accessing your driving data online.

What should I do if my RightTrack device is not working?

If you suspect that the RightTrack device is not working, please call Safeco at 1-877-934-5335.

What if I don't drive my vehicle every day?

It's okay if you don't drive your vehicle every day. As long as the RightTrack device is installed in your enrolled vehicle for the full 90-day review period, you will remain eligible for the program.

Should I remove the device when another driver uses my vehicle?

No. The device should remain plugged in to your vehicle throughout the entire review period.

What if my vehicle is stolen or involved in an accident?

If your vehicle is stolen or involved in an accident, follow all normal procedures for handling such an incident: Contact the police, seek medical care if necessary and then contact a Safeco claims representative as soon as possible. If you need to enroll a different vehicle or replace your RightTrack device, contact your local Safeco agent.

Can I remove the device during the review period?

Only if you decide to opt out of the program. Otherwise, keep the device installed in the enrolled vehicle for the entire review period to remain eligible for the RightTrack discount. To prevent tampering, the device is programmed to detect when it has been disconnected and also in which vehicle it is installed. If your vehicle is in a service shop, the device can be removed temporarily but should be reinstalled immediately after the service is complete.

How do I return the RightTrack device?

When your 90-day review period is over, or if you opt out of the program, we will send you a prepaid return envelope along with instructions for removing and returning the device. The device should not be returned to your local Safeco agent. Please note that Safeco Insurance may charge a $100 fee if you do not return the device within 30 days of receiving the return envelope.

Data Privacy and Protection

Which driving activities will RightTrack observe?

The RightTrack discount is based on the following driving patterns: the number of miles you drive, the time of day or night you drive, rapid acceleration and hard braking.

How is the information used?

We use your driving data to determine your discount, and we may occasionally use it for our internal research purposes. Your RightTrack information will not negatively impact your policy or a claim.

How is my data protected?

Safeco Insurance values and respects your privacy. We will not share the personally identifiable usage data we collect with any third party except to service your auto policy, for research or as required by law.


*Discounts and savings available where state laws and regulations allow, and may vary by state. Not available in all states. Please check with your sales representative for availability. You may opt out of the RightTrack program at any time during the 90-day observation period. The enrollment discount will be rescinded upon non-completion of the program. RightTrack discount only applies to the base coverages of the vehicle.. ¹For those who receive the minimum 5% discount in New York, it will decrease 1% point each year over 5 years down to 0%.

© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.