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Safeco RightTrack Review & Complaints| Pay-per-mile

Safeco RightTrack reviews are mixed, but the program promises discounts of 5 to 30 percent on Safeco car insurance. The Safeco RightTrack discount varies depending on what the Safeco mobile app and telematics device record about your driving habits.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 16, 2020

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The Highlights

  • Safeco RightTrack is available to any Safeco insurance customer looking to earn a discount based on their good driving habits.
  • RightTrack is available to Safeco auto insurance customers in 42 states.
  • RightTrack users can save 5 to 30 percent on Safeco car insurance.

This Safeco RightTrack review will go over how your driving habits can affect your insurance savings. Safeco rebranded their usage-based insurance by renaming it RightTrack (Rewind). Safeco RightTrack is Safeco auto insurance’s entry into the usage-based insurance market, which is one of the biggest trends in car insurance in recent years.

Our Safeco RightTrack review will help you to compare car insurance options and decide if the program is right for you.

Usage-based insurance works as the name implies, by basing your rates on how you drive. Of course, traditional rating factors still apply, but the information gathered about your driving habits earns you a discount based on when, how, and how frequently you drive.

Today’s usage-based insurance programs work one of two ways — either via an app on your mobile device or by using a device that plugs into your car and records information. In some cases, it is a combination of the two.

Safeco’s RightTrack reviews driving information, uses a device that plugs into the vehicle, gathers information, and is then sent back to the company for review, and has no app. That is the traditional form of tracking that dates to the initial deployment of these programs and is a little on the outdated side when compared to similar programs from other companies.

Read on for more details on the Safeco RightTrack program, but first, see what you could save. Get cheap auto insurance from the top car insurance companies in your local area. Just enter your ZIP code in the FREE comparison tool above.

About Safeco RightTrack

Safeco first entered the usage-based market with Rewind. Rewind was a program designed to help drivers who had run into troubles of the ticket-or-accident kind (what Safeco called a “Setback”) to prove themselves as safe drivers and avoid being charged a higher rate as a result of the incident.

The newer RightTrack program expands beyond that market and is available to any Safeco insurance customer looking to earn a discount based on their good driving habits.

RightTrack does not simply erase a surcharge but provides a discount.

Like most usage-based programs, RightTrack aims to help drivers get lower car insurance rates while also encouraging safe driving behaviors on the road. Unlike some of the newer pay-as-you-go insurance programs, RightTrack does not track your driving on an ongoing basis. It follows you for 90 days, after which the device is sent back in, and a discount calculated that’s applied to the life of the auto insurance policy.

RightTrack is available in 42 states and, of course, only to drivers insured with Safeco. There are a few states where Safeco operates that aren’t eligible for the program.

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How does Safeco RightTrack work?

Enrollment in RightTrack is free, but according to the website, it can only occur when applying for a new auto insurance policy. Safeco will send the device in the mail along with instructions for the Safeco RightTrack installation. Once the device has been plugged in, the driver can log into the RightTrack system online and view driving information as it is collected. The information will appear within 24 hours of being recorded.

You can use the Safeco RightTrack App to monitor your driving habits in addition to the telematics device.

The RightTrack device remains plugged into the car for 90 days, during which period you can choose to opt-out at any time. Opting out will result in forfeiture of the initial discount and any further discounts, but there is no penalty.

Watch this video on how RightTrack works for Safeco and Liberty Mutual.

After the 90-day review period is complete, the device is mailed back to Safeco in a postage-paid envelope, and the information will be reviewed. You can view your review period results online for 30 days after the device has been unplugged.

After the 90 days and the return of the device, Safeco will review the gathered information, and you will be notified of the discount that will be applied to the policy based on that information.

The discount remains in place for the lifetime of the policy, so as long as you stay a Safeco customer and your auto policy remains in force, you will continue to receive the discount without any further action on your part.

Each vehicle in a household has to be enrolled individually in the Safeco RightTrack program to receive the discount, and each must complete the 90-day review period with the device installed.

What Safeco RightTrack Records

Does Safeco RightTrack monitor speed? The answer is yes. There are many different systems of usage-based insurance out there, and they record other things to determine discounts. Safeco RightTrack is a fairly basic program, and it gathers data on basic driving habits.

Safeco RightTrack will record:

  • Mileage: the number of miles you drive your car during the review period
  • Timing: the time of day you drive your car, both day and night
  • Acceleration: the device will look for signs of rapid acceleration
  • Braking: the device will record instances of sudden, hard braking

Safeco RightTrack does not record where you go, your speed, or any further information about your driving habits.

How Information Is Used

The information gathered by the device is used primarily to determine what your driving habits are and to calculate your discount based on those habits. Safeco uses the information only to provide a discount, and they will not charge you a higher rate based on the information that is gathered.

The information gathered is also used for research purposes; this is entirely internal research and is not shared with other companies. Safeco does not use the information to cancel or non-renew policies.

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Safeco RightTrack Mobile App Reviews

Safeco RightTrack app reviews are mixed, and shine a light on RightTrack pros and cons. According to Safeco RightTrack Google Play reviews, the mobile app has a 3.7 out of five stars. However, on Apple App Store, Safeco RightTrack has a 4.6 rating out of five.

The mixed RightTrack by Safeco reviews are pretty common and most such programs have good and bad reviews.

Safeco RightTrack Discounts

All drivers that complete the 90-day RightTrack review period are guaranteed a minimum discount of five percent. This discount is applied regardless of what information is gathered.

From there, the available discount ranges up to 30 percent. The website does not specify how often that top-end discount is applied nor what kind of driving habits need to be observed to reach that top tier. It’s hard to provide Safeco RightTrack car insurance quotes since the discount can’t be calculated until after the program is complete.

Safeco Auto Insurance Rates with Safeco RightTrack Discounts

Like most top-end deals, it is a gold standard that will be difficult, if not impossible, to achieve.

Safeco provides your discount 90 days after you’ve enrolled in the Safeco RightTrack program.

Shortly after the review period is complete and Safeco has received the device back, an email will be sent out notifying the customer of the discount amount. This amount will remain steady for the life of the policy and does not change even if you switch cars. A new vehicle can be added within 60 days of removing the car that was used for the review period.

Let’s examine how much more affordable Safeco RightTrack car insurance rates can be in states where the usage-based insurance program is offered.

Average Savings on Safeco Annual Car Insurance Rates in States with Safeco RightTrack®
States with Safeco RightTrack®Safeco Average Annual RatesAverage RightTrack® DiscountSafeco Average Annual Rates After Discount
Rhode Island$6,184$1,855$4,329
New York$6,541$1,962$4,579
New Jersey$6,767$2,030$4,737
Get Your Rates Quote Now

Illinois produces the cheapest Safeco auto insurance rates, while New Jersey has the most expensive rates even after the Safeco RightTrack discount.

If you have a good credit score,  you could receive cheaper auto insurance rates. According to the Federal Trade Commission, consumers with good credit can receive more affordable rates because they’re less likely to file a claim.

As mentioned, each vehicle in a household must have its review and its device, which means that the amount of the discount may vary from vehicle to vehicle and isn’t the same across all vehicles on the policy. If you choose only to use the device in one car, the rest of the vehicles you insure will not get the same discount.

Eligibility for Safeco RightTrack

According to the Safeco website, RightTrack is only available on new auto insurance policies with the company. That means it cannot be added to a policy that is already in force.

The website does not explain whether an existing customer can cancel their policy and start up a new one to qualify. It does appear that customers adding a new vehicle can opt into the program for that car since the program applies to each car individually.

Like all such devices, Safeco’s only works with cars that have the port needed to plug it in.

That generally means vehicles that are from 1996 or newer. Older cars do not have the technology required to plug in the device or gather information.

RightTrack is not available in all states; as noted above, it is currently offered in 42 states, which is a good reach for a program of this kind.

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How do I install Safeco RightTrack?

Installing the telematics device is very easy, once the On-Board Diagnostics (OBD-II) port is found.

According to GeoTAB, the OBD-II port is an electronic system that produces self diagnostic reports to repair technicians.

Also, the OBD-II port uses telematics devices. Telematics device reviews your driving habits, speed, and other factors that relate to your driving and sends it to your insurance company through a mobile app or through the telematics device itself.

Because the system does use a recording device, the driver will have to install it. This is a simple process that involves plugging it into the Onboard Diagnostic (OBD-II) port in the car’s dashboard. That is usually found underneath the steering wheel.

CarMD offers an easy search that will help you to locate your car’s OBD-II port if it’s not easy for you to find.

Safeco will send the device to you with complete installation instructions and contact information to call if you’re having trouble getting it installed. Search the web to find information on how to install telematics devices in your vehicle.

You’ll need a Safeco RightTrack login to connect the device to the mobile app and access the Safeco RightTrack dashboard. A Safeco RightTrack video explanation is found on the company website.

How Safeco RightTrack Stacks Up

Like most such programs, Safeco advertises their usage-based system as being a can’t-lose proposition. You get 5% off just for enrolling, and they won’t increase your rate as a result of using the system.

Safeco RightTrack is a relatively non-invasive system. It’s only on your vehicle for 90 days, and the discount stays in place for the lifetime of the policy. There is no ongoing recording of data, nor does the discount change over time, and you do not have to requalify for the discount.

This is comparable to other similar systems, although some companies require a shorter monitoring period and some longer. Progressive, for example, uses the device for the entire first policy period, six months, and they may place a surcharge on your policy if you decide not to use Safeco RightTrack after the first 45 days.

RightTrack will not charge you for opting out early, but you will lose the initial enrollment discount.

This system is what is known as pay-how-you-drive as opposed to pay-as-you-drive, meaning it does not continually record your data and provide a rate based on how much you drive. More important to the RightTrack rating system is your driving behavior, particularly hard braking and quick acceleration.

Safeco Factors and Other Indicators

These factors are considered to be indicators of risky driving behavior. This also applies to what time of day you drive, as certain hours of the day have a higher probability of an accident. This is pretty similar to what is offered by other big-name insurance companies but completely different from true pay-as-you-go options like Metromile.

Unlike some of the newer versions of usage-based insurance, Safeco does not offer the option of using an app instead of a plugged-in device.

Furthermore, they do not have an app at all; users can only track information by logging into the company website. For those that live on their mobile devices, this might be a deterrent to using the program.

The top-end 30 percent discount is a hefty rate cut if you can earn it, and most major insurance companies offer this same promise of top-end savings. A look through customer comments on the program noted that most people didn’t qualify for that, even if they considered themselves to be very safe drivers.

Many reported receiving a lower discount than they had anticipated, and some expressed frustration with this. This is not unusual with usage-based insurance programs.

A discount in the range of 15 percent is more likely, and still a decent discount that is higher than some company’s auto and home insurance discount.

That said, Safeco is not known for having the lowest rates around. They consistently rank higher than average on our rate tests, so you would have to see a pretty big discount from the RightTrack program to even bring the rates down in line with what other companies are offering even without usage-based information.

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Safeco RightTrack Review: The Bottom Line

Safeco’s RightTrack system offers a discount just for playing. If you are already a happy Safeco customer, it certainly cannot hurt to give it a try. It competes with the best usage-based car insurance out there.

You will get a lower rate on your insurance regardless of the outcome, and you might learn something about your driving habits that can keep you safer on the road.

It only takes 90 days and minimal effort on the driver’s part, so it is probably worth doing if you have already decided to take out insurance with the company. Just do not expect too much that a 30 percent discount is a nice thought, but few drivers will ever see it.

If you’re not already sold wanting to buy a Safeco RightTrack car insurance policy and don’t already have Safeco, the odds are good you might do better rate-wise elsewhere. Safeco also does not have the best record around when it comes to customer service or claims handling (read our full review of Safeco for more information on their reputation and service), which takes even more away in value from a policy with this company.

What that means is that while RightTrack is an excellent way to get an extra discount if you’re a Safeco insured, it is not an impressive enough program given the company’s rates and reputation to make this company a top choice for those looking to switch companies.

Frequently Asked Questions: Safeco RightTrack Review

Let’s wrap up the Safeco RightTrack review by answering a few frequently asked questions you may have seen on search engines across the web. Check out the Safeco RightTrack FAQ below.

If you know all you need to about Safeco RightTrack discounts, see how much you could save just by switching car insurance companies. If you’re looking for other auto insurance savings in your area, enter your ZIP code in the FREE comparison tool below.

#1 – Is Safeco a reputable insurance company?

Yes. Although it’s not accredited with the Better Business Bureau (BBB), it has an “A+” rating.

#2 – Is the RightTrack program worth it?

The Safeco or Liberty Mutual RightTrack can save you money on auto insurance. It’s worth it because it won’t increase your insurance, but it can shave off a few hundred dollars.

#3 – How do I get rid of the RightTrack device?

Unplug the Safeco RightTrack from your OBD-II port within 45 days.

#4 – How do I get the best discount with RightTrack?

To get the best discount with Safeco RightTrack is to get a good rating on your driving habits. The better your driving, the bigger the savings. There are other ways to save as well, like Safeco agent rewards. Ask your agent.




About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. I had a perfect driving record, zero events and only got a 25% discount on car number 1.

    On car number 2, I had only 1 event and got a 27% discount. Doesn’t figure mathematically.

    I called right track 6 times to get a logical answer as to why I did not get the 30% discount on car #1 since I had a perfect driving report.

    None of their answers were creditable; it must be my zip code; there are animals on the road in my area; etc.

    No answer had to do with my driving. Finally, a rep told me I would never get the 30% because the program was handled by a 3rd party source and Safeco could not tell them how to run the program.

    “The tail is wagging the dog”. Most importantly you do not get the discount off your total insurance premium.

    You only get it off certain line items in the policy. In my case, getting a discount of 27% off a premium of $1,070 netted me a savings of $170 on car #2.

    On car #1, I got 25% off the premium of $695 and netted a savings of $77.

    That equals a discount of 16% for a near-perfect driving record.

    The whole program is a case of false advertising by Safeco that is used by agents to sell you insurance and telling you, “You can save 30%”.

    I thought there was a law against FALSE ADVERTISING.

  2. January 2, 2020

    I just returned the RightTrack devices to Safeco after several tries to install them in my and my wife’s car.

    The first try..plugged the device in my wife’s car and waited for an email as the instruction booklet said. Nothing.

    Next, installed the device in my car and the same thing. No emails.

    I called Safeco and was told to start the car; that would activate the device. Did that and it didn’t work.

    I called Safeco 4 more times and was told something different every time.

    Today, I finally called to have them tell me something else to do and the lady said they were having trouble with the devices and she could send another set or just give me a 10% discount, which I accepted.

    Totally bad experience

  3. The day after installing this device my “06 Lexus GS 300 shut down right in the middle of a 6-mile bridge at 8 pm while traveling 65mph in the left-hand lane.

    We nearly lost our lives stranded on the bridge as cars and 18 wheelers flew past us.

    After putting several lives in a severely dangerous situation it cost $300 to get the car towed off the bridge.

    After being checked out by a certified and reputable mechanic it has now been determined that this device was the cause of this most harrowing incident.

    In addition I spoke to a Safeco representative just hours before this incident and was told to remove the device and return it……

    I informed Safeco that I was on my way to another city 60 miles away and I would return the device when I got back home.

    I am now learning that Safeco was well aware of the dangers of this device.

    Not once did the Safeco representative say to me that it should be removed due to potential danger.

    Safeco is now offering me a 10 percent discount on my premiums due to this incident.

    I just need to return this device and will not be required to participate in the program at all.


    • Hello to everyone. I agree with many that the Safeco Right Track program is not valid.

      I never received any kind of device, to install.

      However it did download to my phone, so I am suspecting it used GPS for my data.

      One thing is I started with 15% and then as time went by it got reduced a lot.

      I could see, my activity on my phone.

      I think what bothers me the most, is that if anything goes wrong, it’s my fault.

      People cut me off in Traffic and it happened often, but I got dinged for that every time.

      Had I realized no one else was ever going to be considered the offender, I wouldn’t have taken this on.

      In addition, I was dinged a couple or more times, for excessive acceleration when the map showed clearly I was coming from a 40mph street and merging onto an Interstate going 65mph.

      But I guess that doesn’t matter, though all of us drivers have learned to “Get Your Speed Up” to merge successfully and safely onto a freeway.

      But perhaps those monitoring our driving aren’t drivers at all…it’s a thought,

      Thanks, I just wanted to get my angst out to the same population.

  4. The Safeco right track is a complete scam. Each day that I started my truck and drove it, it would drop one to two points with 0 negative events. I contacted Safeco ask him why this was happening because I am now at 22% with O events. The customer service tells me that they don’t understand it either and it shouldn’t be happening. The very next day when I look at my discount it’s now down to 15% and showing a braking event that took place 10 minutes after I contacted customer service which I had not driven my vehicle. So I called back again to customer service and ask the gentleman if I could get a copy of the GPS location where the braking event happened. His reply was sure, I’ll get that emailed to you. I never did receive the email so I contacted customer service again and ask where the email was. This time I’m told that they cannot give that to me. People that are lying to you about this device and they have no intentions to give anyone a 25 to 30%. I do believe they will probably use this info in the future to adjust your rates if they feel like the analytics show that you are a high-risk person.

    • @Shane, dang right it’s a scam. Had it on my car only a few days. Started having issues with my car that I blame on the device (do a search, lots of people claiming issues with their cars after installing it.) I personally think it messes with something in the electrical and computer systems and got ticked off how it was dinging me with incorrect and inaccurate info. Decided it wasn’t worth it, especially seeing from others that it would most likely result in only a small discount. Removed it, sent it back. 3 months later, got a “congratulations” email, gave me 30% discount. My advice, remove it, wait it out till you get the email and then send it back. Good video on YT of a guy made a great point, it makes you a more dangerous driver. You start becoming obsessed with starting/braking, more of a risk for getting in an accident. Shame on these companies for these using these stupid devices.

  5. This program is a scam DO NOT WASTE YOUR TIME! One of my cars had 85 miles on it going into last 25 days . We drove this car on an 1100 mile road trip because it is our best. We had no dings and were on a 29% discount. After the trip, we had 1 ding on acceleration and had fallen to 14%. you figure it out. I called and the answer I got was you should not drive so far. Nasty! FYI we are at 14% both cars. We do not have a chance and I assume you do not either unless you stay at home all the time. TIME TO MOVE ON!

    • Agree!!! DO NOT! DO NOT! DO NOT! It’s a SCAM, Fraud!! DO NOT take part In the RIGHT TRACK fake program….insurance increased! RIGHT TRACK is a ploy!! to bait customers in and raise the rate. Matter of Fact, when a company offers the RIGHT TRACK Program, it is a clear sign that the company can’t be trusted.
      Experiences give wisdom. Just want to share with you…
      Commute to work weekly using public transportation. Drive the car on weekend and (some) evenings.

  6. If you are considering getting Right Track….DON’T!!!! I am a super safe, conservative driver…and it’s already dinged me after only 4 days of driving. Down to 22%. I don’t drive fast, accelerate or brake hard. I’m not ever in the big city, stop and go traffic. I’ve been soft-peddling even more. And…dinged! Whatever parameters they use for measuring are unrealistic. DON’T do this!!!! You will never come out good! It’s going to be a long 90 days! DON’T DO THIS!!!!!!!

    • It is not perfect. It records events that are regular driving.
      However, after 3 months, I received 14%, 19% and 21% off my policies. Pretty good IMHO.

  7. I’ve had the right track devices on my three cars (two drivers) for one week now. I have generally the same experience that others have had – anything at all seems to cause an “event” or “ding”. I have a seldom-driven sports car and have 7 total miles. As of yesterday, my savings number was 28%. Then today, with no new miles, it shows 18%. Seems that “it” found an acceleration and braking event from 5 days ago. Just appeared out of nowhere almost a week after the drive, even though the miles for that drive (3 miles) had been logged when they occurred 5 days ago.

    Here’s the thing – this device only tracks time of day, total miles and then watches the speedometer to see how fast it moves up or down. On my daily driver car, I have to sometimes merge onto a freeway and then drive in stop and go traffic. That will cost you at least a couple of dings. My last 15 mile trip to a business meeting cost me 3 dings.

    Note that the device does not measure speed. You can drive 130 mph, take corners at 90 mph, do donuts in the middle of the street and it doesn’t care. It only cares how quickly you accelerated to the 130 mph. Therefore, you will find that this will make you a dangerous driver. You’ll be tempted to run a yellow/red light because you don’t want to stop quickly. You’ll not correctly enter a freeway and attain the necessary speed to safely merge for fear of an acceleration event. It’s a BAD device and is dangerous. I would be Safeco drops this thing about the time they start getting sued.

    • I am pretty sure that the RightTrack technology attempts to do what it is doing (primarily) by monitoring the RPM’s of the engine. You are right that it does also have access to the speedometer as well, but, in retrospect, my tests of the device seem to indicate that it _may_ only use the RPM’s. It does not seem to have any “forgiveness” for momentary fluctuations due to bumps, or acceleration from stop on an uphill grade (or any road-grade recognition whatsoever). It also does not seem to recognize that many smaller cars are designed with “higher-revving-engines”. For example, in order to get going a small Honda Civic will really need to get up into the 4000+ RPM range at least for a large portion of one second in order to “get-moving”. The device sees this momentary fluctuation and registers an acceleration event. This is also how “bumps” in the road end up causing acceleration events as when the car frame changes an angle, the driver’s foot momentarily causes a rapid RPM change for a few hundred milliseconds.

      The technology still needs work. However, in some implementations, you are guaranteed a positive discount just for trying it out. I just finished my 90 days and got a 10% discount which will carry forward for the life of the policy. I assume that these posts will be monitored and information used to improve the technology. (I hope so, anyway. The idea is good. However, the technology involved is still in its infancy.)

      • Hi I liked your post. I was wondering if you have any idea what the acceptable RPM increase would be to avoid a hard acceleration. It would be good to know what the rules of the game are!

        • I ran the program 3 years ago and the report on the web showed more information than it currently does.

          I am running it again on a new vehicle and was able to do it again on a vehicle I already did it on previously.

          My discounts previously were 7% on an F250 diesel 4×4 and 11% on a Honda CRV.

          If I had known when I started the program that it works off of a 7 mph range per second I would have improved my discount.

          This time around my F250 is at 16% after 61 days and my newer CRV is at 28%.

          How the 7 mph works, if your acceleration or braking changes your speed 7 mph within 1 sec you will get dinged.

          Increasing following distance and slow breaking will avoid the braking, allowing your foot up slightly every 5 mph of acceleration will avoid the ding on acceleration.

          My F250 always got dinged the first time around from 1-7 mph, never at higher speeds, their site no longer shows the speed you were driving when an event happens.

          I have no events on my CRV doing the current program, I have 8 accelerations and 1 braking on the F250.

          The braking was due to a rapid light change in a 40 mph zone, and the accelerations are due to a heavy-duty towing transmission I had put in, likely all accelerations were 1-7 mph.

        • This might not be completely accurate, but I’ve noticed most of my dings come from when I pass over 3000 rpms.

          I’m not really sure if they care how fast you accelerate as long as you keep it in between 2-3 k and let off gas for a sec to let it shift up instead if you’re driving an automatic so you don’t go over.

          Hope this helps

  8. I have had the RightTrack (ODBC II) port for about 2 weeks. I also have a wide-angle front and rear dashcam that keeps time-stamped video and audio. After seeing about 6 acceleration events (at that time no braking events), I decided to pull the video and watch it from 5 minutes before until 5 minutes after the stated time. I managed to see (guess) what caused the acceleration event. It was this: I was travelling on a limited access roadway just after 5 am, and on cruise control set right around 52 mph. As the grade of the road changed to a slight uphill, the transmission shifted into a lower gear to maintain speed. (There was no acceleration. The cruise control merely properly maintained speed.) This caused 3 acceleration events (somehow) to be recorded all within one minute. I have since stopped using cruise control, and allow the vehicle to slow down on (even gentle) uphill slopes.

    Since that time, 2 braking events were recorded that never really happened. I will be pulling the video on those later.

    I have to agree with the posters that said there is a problem in the Right Track technology. Most of the events it records will be spurious. But that said, I can’t complain about the way the program is set up. Even if I only get the 5% minimum, it will carry forward for the life of the vehicle.

    • That 5% is the rate if not more than you should not have to pay in the first place! It is not a discount as my insurance was much less in Texas without having to deal with “Wrong Track”! You are correct, that we do not have to do it again!!

    • I have done a little more experimentation with the device. It appears to measure acceleration and braking along two completely separate vectors. The data I have collected suggest that an event is registered if either vector boundary is crossed. One vector is the rate of change of the speedometer needle (this also should be the same as the rate of speed change on the drive wheels). In order to test this, you would need access to a dynamometer. (device used to test emissions with older vehicles) The mileage increase with the vehicle on a dynamometer is registered by the RightTrack device, and therefore actual vehicle movement is not required. Use of a dynamometer isn’t advised, however, because unlike in an actual road situation, the wheel speed can alter dramatically quickly in this situation, and result in both braking and acceleration events due to its measurement of the “wheel speed” vector.

      The other vector appears to be engine speed, or i.e. rapid RPM changes. This can also trigger as acceleration or braking events independently of changes in the drive wheel’s rotational speed.

      Other than simply starting the program, and then not driving the car for 3 months, (which is usually not an option), the best bet is to plan your routes so that you drive fairly long distances on limited access roads. Avoid local routes where the density of start/stop per unit mile is high. Try to reduce the event per mile density.

      • If you drive at all, expect 23-25% maximum.
        Here are my three car’s numbers 78 days into the 90. No driving after midnight on any.
        Car 1: 2,094 miles, 0 Accelerations, 6 Brakings discount 19%
        Car 2: 4,625 miles, 11 Accelerations, 55 Brakings discount 15%
        Car 1: 1,182 miles, 1 Acceleration, 2 Brakings discount 21%

        Car 2 clearly illustrates that driving more miles does significantly reduce the impact of hard accelerations and brakings.

        • This is so very very VERY true!!! Right Track is nothing but a SCAM!!! If anyone is reading these comments to decide whether or not to try this….DON’T DON’T DON’T!!! You will be very VERY sorry you did.

          There are TONS of comments on this site about how much a SCAM Right Track is. There are also a few “good” ones. I just don’t believe the good ones. I think they are “plants” by the companies involved to try to balance out the playing field of negative comments.

          I am a very good, safe, conservative driver. I drive on slower, county roads 36 miles round trip to and from work every day. No highways or Interstates. It dings me all the time. It even dings me when I back out of my driveway. You just can’t win.

          One day a deer bolted out in front of me and I had to slam on my brakes to keep from hitting it. THAT was indeed a “hard braking event”. Guess what? I did NOT get dinged for that! Go figure!

          I have tried to find out what Right Track’s parameters are for this “test” but gotten no info either from Googling it or trying to talk to their representatives (which is always a joke.)

          So….DON’T do this! It’s a HUGE SCAM!!!! The thing that surprises me the most about all this is that Liberty Mutual is involved in this shady, crooked operation. I had thought Liberty Mutual was a more straight up, “honorable” company. Now I know…Liberty Mutual is probably just a crooked and a scam as Right Track is. I’m sorry I chose them. I was “had”. Don’t YOU be!

          • Thanks for mentioning Liberty Mutual.

            My agent suggested I should sign up for this and I did but the devices are back-ordered so I don’t have mine yet.

            In the meantime, I decided to do some research, since the whole idea did give me an uncomfortable feeling.

            Between your comments, others I’ve seen, and reports about the devices damaging the electrical systems of the cars in which they are installed, I will call my agent next week and get out of the program.

            The possibility of receiving a small discount isn’t worth it to me.

  9. The readings on the device are way to sensitive, one of our cars is a manual transmission and downshifting is enough to register a breaking event. I went camping which consisted of driving a 20-mile dirt road, it did not like that and registered several breaking and acceleration events. We made the mistake of loaning our car to a very responsible friend for a day without telling her about the device, she managed to log 6 breaking events in about 30 miles of normal driving that day. We are near the end of our 90 days and have been driving extremely cautiously (Which I think is the real point of the device). Both cars have similar breaking and acceleration event counts but one has been driven 900 miles with a 12% discount and the other 2700 miles with a 17% discount. Surprisingly you do not save money by driving less on this program.

    • Right out of the gate, on day 1, I did not drive the vehicle, I was at 30%.

      On day 2 of the trial period, I drove 2 miles in the early afternoon with no braking or acceleration dings, yet my discount dropped from 30 to 25%.

      I should have taken the bike.

  10. I have an ’07 Mitsubishi Eclipse. I just installed this thing in my car’s port on the night of Oct 11th. I had watched a video previously on this device, and I wasn’t expecting much and pretty much had this down as a scam. But, figured I’ll try it anyway save a few bucks. Drove it the 11th, 2 miles to the store, 7 minutes, just before 9pm. Took my time, made sure I didn’t stop quickly, accelerated slowly. Got back home, I lost 3%, down to 27% with ZERO events listed. Why?? Simply because I drove it? Didn’t drive at all Friday the 12th. Sat the 13th, went 3 miles. Lost another 2%. So, 14 total miles in 2 days, no events listed, and lost 5%. Yep, it’s a scam. AND, to top it off, driving home this last time, my check engine light popped on. Now, granted, I did gas up a few miles back, and my gas cap is losing the seal a bit. I just re-tightened it, and I’ll see if resets. But, some of the stuff I’m seeing, I think I’m just going to remove and return this scam device to be on the safe side. I don’t have the money to pay for a new battery/alternator or any electrical problem this may cause in my car. No discount is worth it, especially if I’m getting gigged just for driving my car right off the bat. I’ll just shop around for a new company at this point. I’ve taken screenshots of it, this is straight up nothing but a scam, and they should be sued for this-especially if they caused any damage to any vehicle. And I’d bet money, any discount you do get, your rates will go up accordingly at the next renewal term.

  11. I just completed my 90 day period with Right Track from Liberty Mutual and got a 22% reduction. Some of the comments here are posted after just a few days of use expecting to see maximum reduction since few miles have been driven. This is not the case. I saw my reduction go down very quickly initially but it was maintained at 22% for the rest of the 90 days. I had one braking event (a squirrel jumping in front of the car) and no acceleration events. My total mileage during the period was about 1600 miles.

  12. Like others here I also just had the experience of the Right Track device draining my battery. Today, after not using my Honda civic for a couple weeks – and shortly after installing the Right Track – it wouldn’t start. When I called Liberty Mutual customer service they said that the device does drain the battery and this is particularly a problem on older cars (like mine) or if you don’t use your car often. Nowhere in the Right Track documentation I received did they say this could be a problem nor did customer service warn me when I signed up for the program. When I called just now, customer service said they would not pay to have my car jump started and suggested I send back the device so it wouldn’t drain it going forward (although I wouldn’t receive the discount as a result). I’ve now sent an email complaint and if this isn’t resolved am planning to file a claim in small claims court. I appreciate others here documenting that they have had a similar problem.

    • I hope everything works out for you, but use the comments and this website if you go to court, to prove that this is a rip-off and not worthy!

    • I thought they no longer gave the device that plugged into the OBD-II connector. I got a device that glues to the windshield. They run off their own internal battery and given the battery last the whole 90 days I doubt they draw much power. My complaint was the application drawing power from the phone especially if the location was turned on. Once I removed the right track application from the phone my battery life went back to normal. How old is your battery in your car, newer cars draw power when not in use and if the battery is old???

    • I installed 19-22 days ago (3 cars) with Liberty.
      1st car 1,264 miles, 7 accelerations, 29 brakings, no 12-4am discount at 11%
      2nd car 235 miles, 0 accelerations, 4 hard brakings, no 12-4am discount at 12%
      3rd is not currently being driven. 15 miles in 22 days. no hard braking/acceleration and no 12-4am driving. Discount is sitting at 29%. So it looks like to get the 30% you have to literally not drive. Unfortunately, this car goes to college with my 20-year-old tomorrow, so the miles will go up 150 miles, so I am expecting the discount to drop considerably.

      I called Liberty and asked about the reason cars 1 and 2 were virtually the same with totally different driving patterns. They actually told me to get the discount on car 2 higher, that I would need to drive more miles to reduce the impact of the 4 brakings. Wait, what? Isn’t one of the 4 criteria supposed to be miles driven?

      As for the safety, this probably makes my aggressive wife 5% less aggressive. For me, I have had cars stop abruptly in front of me, and I am trying to not brake too hard but also stop before hitting the car in front of me. Quite the balancing act. And IMHO STUPID.

      • Update on projected discounts 25 days later. About half-way through the 90 days.
        Info is as follows: miles, acceleration events, braking events, current projected discount. No driving between 12-4, so that is omitted
        car 1: 3,030, 10, 45 – 14%
        car 2: 896, 0, 4 – 17%
        car 3: 306, 0, 1 – 22%
        Here is my evaluation of discounts if you are using or planning on using.
        If you drive the car as little as 10 miles a week, you can expect to see at least 5%+ reduction. Just accept that you will never get more than 20-25% if you ever drive.
        If you get a few events, then driving more will reduce the impact considerably. Just look at the difference between car 1 and car 2 above. There should be a much bigger spread, but there is not. Accept that if you have a few events, 15% – 20% is the best you will do.
        Hope that info helps someone.
        Overall I am not a big fan of the device and the parameters. Too easily triggered and it does not truly reflect reality. I have driven off the side of the road where not dangerous to avoid a hard braking. Ridiculous. I have also gone through more than a few lights that were turning red that I would not usually do. Probably one or two them were red lights. Lucky there were no cops around

        But I guess 15% off is still a good deal if the rates were competitive before that discount. For me, Liberty was the lowest insurance rates I could find for my situation, which was 3 cars, 2 adults, 1 – 22 year old, 1 – 19 year old. Everyone with clean records.

        I will be happy when the 90 days are up.

  13. My security system on my BMW X5e hates this [redacted] device…I hope it doesn’t dock me for setting of the alarm 3 times daily. This thing is about to go in the river.

  14. I enrolled in LM and was asked to try this program when I got some new vehicle back in May. I work at home so don’t drive much. I’ve only driven 500 miles in 3 months. I’m a good driver, no accidents or speeding tickets. For the first two months, I had zero issues, I worked my way up to about 20% (220). Both braking and acceleration events were great. I was pleased and felt that the program made me more conscious. All of a sudden my great two-star smiley face braking events turned to good. I looked through my trips, I had only a few OK trips while the rest were great–the OK events had been weeks ago. I also noticed I barely started to get money for good trips. If I drove 10 miles, it would go up 1 dollar. With 3 weeks to go, I wanted to try and maximize savings so I was really careful. With less than two weeks left, I really noticed a difference. I drove within a 2-mile radius making several stops to the store and car wash, right track said I had 3 acceleration events in one day and knocked off 18.00 (down to 202) … I knew this was BS and called them on it. Also, only two showed acceleration events showed in my app. Nothing was done. My braking events were great again and acceleration was now good. I started being even more careful and again noticed slow gains. After a week, I was only back to 205 despite driving and having all great ratings. Yesterday, I allegedly had one braking event… They knocked me down from 205 to 195! I have 3 days left and no way to get back up to 220 or even 205 for that matter. So I do think this program is a sham. My experience is they start to hit you hard by knit picking towards the end so that you’re not able to make up any losses. If they ding you, there’s no recourse to fight it. I can’t wait for the next 3 days to be over, this device has totally stressed me out. I no longer feel that it makes me a conscious driver. Instead, I’m a wary driver who is afraid to take my trash to the dumpster for fear that I might accelerate at 8mph instead of 7. I can’t imagine anyone gets close to 30%. When I called CS to complain, they said I was a great driver and that most customers only get 12-14% off. That tells a story all on its own. I would not recommend this program.

    • I’m almost done with my 3 months. Accelerating at 7 mph is quite fast and I would never get one if the device was at all accurate. Once I was following a dump truck from a light and got dinged. They are not because if they are using GPS there is a lot of jitter with a phone GPS. If they were using a flow control sensor then hitting bumps while starting or stopping would throw it off or turning. The flow control sensor would need to be calibrated to the angle of the windshield to the ground. GPS has so much jitter at times that you could be driving on cruise control down an interstate and you would see spikes that could trigger an event. I believe they use the motion sensor in the device stuck to the windshield to determine acceleration or deceleration. Then check the GPS for the speed. I’ve owned handheld GPS’s as well as several GPS’s running watches. The general consensus amongst runners is the GPS in the watch is better than the phones but both have a lot of jitter. They smooth or average spikes out over several seconds but that would not work for what Liberty is trying to accomplish. After x amount of stops and starts, you will get x amount of dings. If you are a good drive you will get 10-14 % discount but they won. It made you more consensus about your driving and that is what they are looking for. Extra 10% is nice. They just should never promise 30% because even if you are a perfect driver it would never show. My 2 cents for what it is worth.

      • True! They did win although, by the end of it, I was more wary than consensus, focusing on trying to drive perfectly for Right Track instead of focusing on my driving. I finished mine and I ended up with 18%. I never got past 195 despite several trips the last couple of days (w/ no incidents) to try and gain back my losses. I was so glad to pull that thing off of my windshield. Now, I can enjoy my new vehicle. I definitely don’t think it’s possible to get 30%–impossible IMO. Even if you let the vehicle sit, you wouldn’t get 30%.

        Great observations on GPS tracking BTW, you make good points. I hope that you get a decent discount.

  15. Perhaps the next step is to prove that nobody receives the maximum 30% discount, proving that this entire program is a scam, and possibly go for a class action lawsuit! If anybody has received a substantial discount, please post for others to see. To me within 2 weeks, I was down to the 5% discount which supposedly was included in my quoted rate, which means that there never was any real incentive.

    As mentioned before, I had Safeco in Texas, my rate was more than half of Florida (I knew when moving insurance was higher in Florida, and this “Wrong” Track program was not even mentioned, as my driving record and credit score were impeccable. I just hope when renewal time comes up, this is not part of the rate, and Safeco is competitive, otherwise, time to change!

    • I had it on my primary vehicle for 90 days and like you, was down to the 5% almost immediately. Out of curiosity I just ordered it for my 2nd vehicle that is only driven by my overly cautious daughter NOTE: I noticed that I never had a violation on my primary vehicle when she was driving, so let’s see how the monitor adapts to her driving 100% of the time. I am installing the unit this evening. (For comparison purposes *1st vehicle 2013 Dodge Challenger* 2nd vehicle 2006 Ford Mustang ** ) Let the experiment begin …

    • Hello,

      This is a total scam. On my first car, I have a 19% discount. I ONLY had two brake incidences the whole 90 days and that’s because some dumb squirrels jumped in front of my car. Should have just hit them,..haha, j/k.
      I recently bought another car, and once again signed up with the Right Track. Ten days in, my discount is at 23% from 30%. I have no night time driving, no acceleration or brake events so far, so why did it decrease?
      In fact, when I signed up for the program again, the lady saw my previous discount of 19% on my other car, and SHE even said that the highest discount she has seen was 18% and was very surprised by my 19%…
      This is a total scam, and I would love to see a class action lawsuit.

  16. Right Track is a complete BS… I drove to work today better than all of our grandmas taken together AND I got one acceleration and braking event… REALLY?! I barely even touched the [redacted] pedals. It is a scam to mess around with all of us and collect free data who knows for what purposes.

    • Agree, I think it is a scam I asked for definitions on accelerated event and braking event and received a reply that they do not reply to emails and to call well I bet that would an been an experience in itself. Car driven 620 miles and 69 acceleration events what does that mean? 20 Braking events and a 10% discount? What are the definitions of this 0-10mph in 2 secs????

    • I have the unit installed in our cars. Wife and mine for about 50 days. It is a joke trying to use GPS to determine if someone is accelerating or deaccelerating fast. You glue a device to the windshield that detects a change in motion. Plus the app on your phone uses it’s GPS to determine your acceleration and deacceleration. Being a runner, hiker and skier I’ve used GPS devices for 20 or more years. Typically us runners will stand around talking while the GPS syncs up. We will just be standing there and could see up to 2 miles an hour. That is on a good day. Look at a map of your run and without smoothing you will see huge spikes. Normally the software will smooth out the spikes but we can see a 3 to 4 miles swing over a short period. Tall trees, buildings, weather and several other items affect GPS signals so the jitter is expected. I have reviewed the app data after each hit and the map will show the GPS showing I’m driving in the fields on both sides of a 4 lane highway, back and forth. Hours of day and mileage is all good just not starting and stopping speeds. They could never share this data because they would be open to a huge class action suit. They know it is not very accurate.

      • The module does have access to vehicle speed over the OBD-II port it is plugged into. That would provide pretty accurate acceleration information. There could also be an accelerometer module in the device, which would be even more accurate.

        • I do not have a unit plugged into the OBD-II port. They have me glue a little device to the windshield and then through an application on the phone they access the GPS unit in my phone. They say I’ve accelerated or decelerated randomly at greater than 7 mph in a second. I say randomly because it will pop up at times I’m barely slowing down and other times it reports nothing when I stop for a red light. A flow sensor in that unit would need to be calibrated to the angle of the windshield. My 2017 Fusion is hugely different angle then my 2017 explorer.
          Sorry they are not very accurate.

  17. I agree that this Right Track is wrong, and the so-called discount is going to give me back the money that I should have been already priced into my policy. Moving from Texas to Florida, I knew my insurance would be more. All of my braking and acceleration events are from being in traffic which requires me to stop and start to AVOID accidents!! I also work until after 2:00 AM and that counts against me, yet my job is to make sure aircraft are safe.
    Safeco has been a great company, but if this is required when my renewal comes, I will switch companies. My understanding is that Progressive will actually raise your rates because of their tracker.

    • Interesting situation in your case, and why not voice your opinion back to Safeco HQ. I did provide my inputs to AAA (they’re doing auto insurance in TX), and eventually, they canceled its tracking program altogether. Fundamentally the so-called “formula” and “methods” used for alleged discount are purely artificial, meaning there isn’t any clear proven science behind this type of practice. As an insurance company, Safeco is great while its track program is a joke at best and annoying. Do they still have 3-mo mandatory hook-up policy in FL?

      • Thanks for your response on this. It is not a mandatory hook-up in Florida, but they give you a so-called 5% discount on the higher rates in Florida when the policy is written, and 5-25% (haven’t heard of anyone receiving more than 5% even when they parked their vehicle for most of the 90 days) after 90 days. I agree with you that Safeco is excellent, but the track program is a joke!

  18. I have had the Right Track on my vehicle going on 4 days. The fact that I work from 4:30 PM until 3:00 AM assisting with maintaining aircraft for the flying publics safety, has absolutely no effect on my driving safety, and yet, I am penalized for it. As for acceleration and braking events, thankfully none of them have been large ones, but the fact of the matter is that it is necessary to brake quickly or accelerate quickly due to the traffic around me. Having just moved to Orlando, I have been driving more miles than usual to explore different areas, and sometimes encounter heavy traffic. To drive as to not have any events at all would create a wreck by not being a defensive driver.

    It seems pretty obvious to me, that this program does absolutely nothing to help be a safe driver, and in fact, could cause an accident. (This was mentioned on the Internet and reviews on YouTube! At this point, I see it necessary to try and ignore that it exists, drive as normal (which I have been doing), and pretty much realize that any discount given is one which should have already been reflected in my policy for my driving record! This actually is a negative to me with Safeco, which I have had in Texas, very pleased, and never dealt with Right Track in the past.


  20. I have the liberty mutual right track device. It is a total scam. My truck has super low gearing, for towing, so barely touching the pedal causes me to accelerate at low speeds quickly. I guess I am supposed to idle up to speed and get run over by others, or hit cars and wildlife for when I have to brake. Oh, your tires spun a little because of loose gravel or ice, tough luck. If not for the new car replacement, I would be looking elsewhere.

    • Not sure why my comments are not posted here. The assumption we all had is that the RightTrack should work according to common sense. Well, that is incorrect and there is no assurance or proof/track record.

      For example, the actual driver does NOT have to be associated with the vehicle that is registered with the device. Therefore, fundamentally the RightTrack is useless let alone the ridiculous “measurements” behind the device.

  21. I received a braking event at 5:35 today with the device…I have been home since 5:27…I have life 360 on my phone and a camera at the front door that both confirm I was home at that time…really?!?

  22. I have Liberty Mutual and two days into the Right Track program I am calling it a scam. Both my cars started off with a “possible” 30% discount and 90 days to go. Now with less than 20 miles on one car and less than 15 miles on the other car in only two days we are down to “possible” discounts of 22% and 23% respectively on the two cars. And that is with NO acceleration or braking “events.” When you click on the “How can I improve my discount?” link it tells you to drive fewer miles. Fewer? Fewer than what? Less than 3,650 miles a year? And who knows if even that will get you the full 30%. I am sure it will not, they are bound to get you on a braking or acceleration event. And what about driving after midnight? It is not unusual to visit a friend or relative on a weekend and get home after midnight. These companies should be required by legislation to post all of the criteria that they use when classifying rates and how they apply them to their customers and to give you a disclosure statement on how you are rated.

  23. These trackers are excessively sensitive and are dangerous. During the 90 days I drove excessively careful and still had a number of events. It was unsafe to drive this slow because at stop lights, people get pissed off because you are accelerating so slow and go whipping around you. Also, because we are all concerned about getting dinged for braking to hard, when a situation outside our control happens that might lead to the need to brake hard, our brain is telling us not to hit that brake pedal too hard. It leads to waiting to long to brake hard when necessary. It is someone subconscious after you have been driving with the device for a while. I guarantee it has CAUSED accidents. My wife’s mini had the battery go dead and left her stranded with her 90 year old mother in a bad neighborhood. The car would not start. She had to have it jump started. When I checked the battery after she drove the car home, the battery was not bad, just low.
    I just removed the tracker today from my Lotus and now the engine is running very poorly. Ir ran perfect before I put the tracker in. I only drove it a few miles for the 90 day period. I believe this tracker damaged my car. Phone call to the agent is forth coming. As others have stated, this is a bait and switch. The discounts you end up with are not worth it, even with VERY careful driving. And given that 2 out of our 3 vehicles seem to have been damaged by the device. Stay away. The real reason they want these installed is so that they can collect statistical data. Wait till we see what this data ends up being used for…

    • I just had this happen. We got it on Thursday walked out to drive the car on Saturday and the battery is dead. We just replaced the battery less than a year ago in my Impala. Sending this back asap!

  24. Safeco RightTrack is a “bait” program. You’re enticed with high percentage reductions if you drive safely, drive few miles, and don’t drive the late evening/early morning hours. However you can never achieve what is presented to you in the program website as the reduction is not applicable to 100% of your insurance premiums.
    At the end of the test period I had one car listed at 20% reduction and one at 16% reduction. What I ended up with is 13% and 11% reduction of my total bill.
    Safeco does not provide any details but sends you a check and directs you to your local agent with any questions. Very tight lipped with the numbers.

    • Good news, finally AAA withdraw its obviously failed RightTrack program. I was asked to throw away all of my three devices like trash. Finally someone may realize that such a joke practice isn’t going anywhere. Or, no one wants to buy such consumer car driving data. Anyway, it’s gone.

      • I’ve had mine installed for two days. Zero incidents of any kind, yet my “discount” has already reduced from 27% to 22%. Heaven forbid I should touch the brake pedal or accelerator!

    • I myself feel somewhat a scam. I think all it is is a way to watch you and your driving on average to rate you

      Never received any definition of an excessive acceleration or braking occurrence
      It is all relative to the roads in your area

      I was given 10%, drove 650 miles in 3 months
      I was told it was 5% for trying it and an additional 5% for driving
      In my opinion, it is a discount yet all it is is an analysis of you for future premiums

      I never received an explanation of excessive acceleration or braking occurrence even from my insurance agent

      Very Uncomfortable with it. I received a check for $16

      I think the insurance agent is getting the discount.

  25. I installed this device on 9/23/17. When I checked my online progress for 9/23 – 9/24 it showed 17.9 miles and a projected discount of 24%. Zero hard acceleration or braking. I would have thought you would start out at 30% discount and adjusted with recorded incidents. On 9/27 I checked my on line progress. According to the online report I have driven an additional 12.2 miles for a total of 30.4 miles with zero hard acceleration or braking. The projected discount is now down to 22%. So in 4 days having driven a total of 30.4 miles ( an average of 7.6 miles a day I have dropped from 30%to 22%. Four days 30 miles an 8% drop. I don’t consider this a good sign for the next 86 days. I haven’t even attempted to get on the expressway yet. No telling how low this discount will drop once I accelerate to join the 65 to 70 mile per hour traffic. At this time I have to agree with the comments others have made that the only way to get any kind of meaningful discount is by not driving at all. I am reconsidering whether or not to continue this experiment. I’m not fond of the idea of something drawing power from my battery and possibly draining the battery.

    • Good inputs everyone, and I observed the same discount rate dropping symptom for no reason. In my case, it went down to 9% which is ridiculous.

      Also the device killed my battery twice, one from Safeco and one from now my new insurance company AAA. Btw, “AAA Onboard” tracking policy mandates a cell phone connection, mobile app only access with huge mobile data consumption, plus an evil always on practice (instead of 90 days from Safeco). We need some regulations or control on this type of tracking system.

  26. RightTrack for Liberty Mutual, what a joke & waste of time.
    Save up to 30% off your insurance after 90 days of safe driving?
    YEAH RIGHT… FIRST OFF, what they do not tell you is that your discount will be “prorated” for a period of 9 months, not a year… The 90 days does not apply towards your discount.
    SECONDLY, 10% is applied just for using RightTrack, so the maximum discount you can receive is now downgraded to 20%.
    So, during my 90 days, this is what had occurred
    I had ONLY 4 rapid acceleration events, hard to believe right? well there goes 4%…
    BTW 3 of the 4 were for accelerating 7mph w/in 1 second, lmao….
    Next was hard braking, ONLY 5 incidents.
    AGAIN, 4 of the 5, were for breaking 12mph w/in 2 seconds or less. well there went another 5%
    During the 90 days, I drove ONLY 1116 miles. That’s 12.5 miles per day.
    well I guess they chose to penalize me for this as well, 2%???
    My final discount was 19% & I used the car a few miles per day.
    Mind you, 10% was applied just for signing up, so my final discount was only 9%.
    I guess you have to let the car sit in your driveway for 90 days to not get penalized for minimal acceleration & breaking incidents.

  27. As a Safeco agent, I am disappointed in this device to say the least. It reported 8 incidents in one day while my wife was sitting in the carpool line and chickfila drive through. The device measures every second of driving time and any variation in speed of 7 mph or more within a second constitutes a violation. Basically it is a sham and the insured should take their 5% and forget about the device. That is how I advise my clients.

    • This is a sham device. I even talked to [Redacted] of Safeco in Washington. explained my frustration, and what it actually did. It dinged you for everything, moving or not. If you braked a little hard it dinged you. If you accelerated to get in flow of traffic it dinged you. It also, did this. I had 3 policies with Safeco. I no longer have insurance with them. My policies on my vehicles and home all increased to a tune of $900.00 for the year. My one policy increased $600 for one year. After my agent suggested that we could get a 30 percent discount. I call bs. Because they raised my rates on my policies so they could say that you received a discount. I also reported this to the department of insurance, because they told me that they were given permission to raise rates in the state of AZ because they hadn’t had an increase and they have paid out losses. I think they Need to be investigated for Fraud. Very displeased customer.

    • After driving 230 miles during 6 weeks time frame with 1 hard braking, I saw a blink of 20% discount.
      Then, I went on a unpaved road my 2WD vihicle by mistake and my vehicle couldn’t get up on the hill. The tires were slipping in a minute duration. This device recorded 2 rapid accelarations and 4 hard brakings about this event.
      Right after I experienced this event, my discount dropped to 11%. Tried to improve my score but I never saw 20% again. I am almost done with 90 days trial. I have a little over 600 miles with 2 rapid accelarations and 5 hard brakings. my discount shows 16%. They say I have to drive more to improve my % score… They are supposed to see how I drive? I am a low mileage driver. And they also said that they just see the all weeks event, not weekly. They don’t consider how I got those recordings. Just penalized me that the tires slipped on the dirt road. I even talked to Octo company rep. OCTO cust. rep said that “I understand where you are coming from to tell the situation but nothing I can do about it”. I wanted to talk to OCTO tech support. They don’t provide any help. They just said whatever the situation which does 7 miles per second, it records as hard braking \ rapid acceralation. Tire slipping is one of them. Then, Safeco doesn’t consider at all about this situations and penalized me. I did not step even once my brake pedal during this event. Next time, if I have to do this, I will drive 5 miles and keep my car in my garage until the programme ends.

    • Jason, we just put the device in our cars and after reading your post I’d rather lose this discount because, we have to take the highway everyday to work. I don’t believe this is right for us.

      • This device concept is questionable to start with when there is no way to accurately map a driver’s driving habit to a vehicle bond device, i.e. what if I drive my son’s car all the time.

        Now, during my 3-mo “trial” with Safeco RighTrack for the sake of an alleged discount which is completely incorrect and false. Even worse, the device caused increased discharge of my vehicle battery and all of them got recalled and to be replaced. Therefore, such device is dangerous when your battery is damaged.

        Last but not least , the device does not measure correctly, meaning if you drive slow and careful, you will still get things like hard acceleration or braking etc. Well, you won’t get any discount at best.

        Btw, AAA adopted a similar program called “AAA Onboard” which seems even worse. Because it mandates a cell phone connection and huge mobile data usage.

        I was surprised that no one seems to regulate such suspicious, notorious, and evil tracking device in a disguise of insurance “discount”.

        • I just started with the device on two cars. One of the cars stalled and prior to that, the battery was drained. The other car’s dashboard turns off once I turn on the headlights every time. This can not be coincidence.

  28. This device will make you angry. It dings you for rapid accelerations and hard brakes which you absolutely DID NOT do. You still get a credit……sure……but it is like a token credit, because you are not being judged on how you really did drive. The credit you get has nothing to do with how you drove, believe me. Really makes me question the integrity of the vendor. AND, it makes me want to shop my auto insurance.

    • Totally agree, and these devices are not programmed correctly to start with.

  29. I have been using the RightTrack for over 40 days on 2 vehicles. One that get driven daily and one the is rarely used (about 5 miles a week). My observation is that this program is born of good intentions but is poorly conceived.

    (Before I give my explanation of how I’ve come to that opinion let me say I have been driving for 42 years and have never been ticketed with one claim in the last 20 years so I’m not looking to justify poor driving habits.)

    Here’s the issues I see with it:

    –This tracking program is asking drivers to drive to an undefined ideal. What exactly is expected of the driver is never defined so you don’t stand much of a chance of meeting it.

    –You will never get a 30% discount if the vehicle is used at all. Only a parked vehicle will get that.

    –Deductions for “hard braking events ” assumes the driver has control over the entire universe. It assumes you have control over the deer that jumps out in front of you, the knucklehead on their cell phone who moves over on you, the person who brakes for no reason in front of you, etc., etc. What many would accurately call accident avoidance Safeco calls poor driving because you as the driver didn’t exert control over things which you have no control of in the first place. This is not well thought out at all.

    –In defensive driving sometimes the accelerator and not the brake is what is needed to avoid an accident. Make either choice to avoid a collision and you’ll get dinged by Safeco. I guess an accident is the better choice.

    My advice for anyone looking to gain maximum benefit from this program is to attach the device, park your car in the garage and take the bus, walk or bike for the next 90 days.

    • Well said, Earl. Safeco really should carefully review the goals and incident thresholds for their program. It could be adjusted to more accurately reflect good driving habits.

  30. I, too, am having difficulty understanding the acceleration issues. When I look at my data, many of the acceleration “negative points” were times of merging onto highways. I believe that one does need to accelerate in order to merge, eh? And the other times involve leaving my parking space, in front of my house. I’ve paid attention to what 0-7 mph looks like, and I don’t think of it as troublesome. Also, I see many people commenting talk about their device “dinging,” or making some sort of sound. I’m hearing no sounds at all. Should I be? Anyway, I feel that I am a pretty safe driver. My “hard braking issues” are ones that I remember well…going down a street and having somewhere pull out of a driveway right in front of me.

  31. I’m in my third week with the monitor. So far I’ve had 5 “hard braking events”, but my summary score is still in the green. I’d like to chat with someone who has failed, or know what the ratio of acceptable “events” would be. I drive between 200 and 250 miles a week. Paying the lower premiums is worth it, but it’s weird to know it’s watching/recording my movements all the time.

  32. I have been using this device for 2 months and it is ridiculously sensitive. I drive 2.5 miles to work and 2.5 miles to home on a road with a speed limit of 30. It often records hard breaking when I stop at a red light. It also dings for accelerating too fast when I leave my neighborhood in the morning. Not sure if it is because I have to go up a hill and it is somehow reading the increased RPMs for the hill.

  33. How does it determine “hard braking”?

  34. As a 2 month participant in this program, I find it poorly developed. The intent is laudable the delivery “not so much”. I frequently use the tollway near my home which has a 70 mph speed limit. My exit ramp is very short, and thus has a 25 mph speed limit almost immediately after leaving the main lane. The choice is “aggressive braking” and maybe get rear ended, or speeding on the exit ramp. Either way I get a hit. Sound reasonable? I could go on but ultimately I believe there are some fundamental flaws in the program. The guy that developed it doesn’t drive in real world “city traffic”. The buffers don’t work and driving to please the program may in itself result in an accident, or “the horn, or the finger”. Already got those. Once you figure out what’s going on, drive your wifes auto when you can.

    • Did you actually see any discount on your policy?

      I have had it for 1 week, already hard braking because of someone changing lanes cutting me off, and acceleration because we merged into traffic. I call this a money pit trap. I dont think this is fit for big city drivers. The person thats behind this really needs to look at the entire incidents that could cause and event.

      • My agent told me that the alleged discount could be upto 30%, but it seems that all my 3 cars started around 7%. And btw, there is already a 5% applied in my premium as I “agreed” to install the device. Otherwise I will lose 5%.

        Had the device installed almost a month and reviewed online results, I give up on my “compliance”. Believe me, this device has its own mind regardless of how you drive therefore pls don’t trust these so called results. Or even worse, try to slow down or slow start when you should drive normal to avoid accident. Because you need to go with the flow on during normal traffic.

    • What I’m seeing a lot of here that people are saying is that there are unavoidable conditions that cause braking or acceleration events in their daily commutes and they are being penalized yet blameless because they routinely navigate these conditions safely. But maybe that’s the whole point. The insurer just wants to know that you have event a, b, or c to contend with every day and you get penalized more for just having these obstacles than based on their handling of them. Insurers only care about risk and how to eliminate it. To the driver who has a short exit ramp on his commute: you lose points just for having this risk regardless of your safe handling of it. How can you eliminate this risk? Is there another exit you take with an adequate length or a way to bypass all exit ramps completely by taking another road? To the driver who has a road where another car pulled out of a driveway unexpectedly is there an alternate route with no driveways that would eliminate this risk? For the driver who had a deer jump into the road is there another road less forested you can take that would eliminate this risk without adding another type of risk? I think these are the “events” the tracker wants to ascertain. It’s nobody fault really but the insurer wants to know how many risk factors you necessarily encounter and the more of these you can eliminate the better.

  35. I’ve been participating in the program for two weeks and do far things have been going well. In in the Dallas area and Safeco was by far the the least expensive option for me provided by my independent insurance agent. I’m aware of my driving and taking things slower than normal and being extra cautious. With savings like this, I couldn’t pass it up.

  36. First thing we discovered with the Rewind device, is that it made our BMW X6 very unhappy. As soon as the alarm was armed, the alarm went off. It’s a feature of the car to prevent manipulation of the car through the debug port (cars have been stolen this way).

    I called Safeco, and they suggested I just place the device in another car.

    Also, it seems a lot of people are worried about individual infractions. You have to get quite a lot to “fail”, and even one per trip doesn’t seem close enough to be causing a failure.

  37. Safeco doesn’t always have a high premium. As an Independent insurance agent, quoting numerous carriers on a daily basis, I have to say the premium through Safeco is competitive in some states. I primarily quote NY and PA and have provided insurance coverage through Safeco to many clients with and without the Rewind forgiveness.

  38. Obviously the people who came up with this program do not live in a city with heavy traffic, such as Houston. I got dinged for slowing down too fast when a tractor trailer changed two lanes to avoid an accident and ended up in front of me, I would call that good defensive driving. I also got dinged for leaving a shoulder stopped and merging into 75MPH traffic, I would call that safe driving. Being in the city driving everyday, this would be impossible to pass, yet I’m doing it so far only because I am working out of my home. That alone should give me a huge discount.

    • After reading your post and living in Dallas, I am now concerned about my passing grade.

    • My agent suggested this to me little did I know this is a scam. I also am from Houston (not native just 17 yrs) and I have to say some of the worst drivers around live here fails signal, always on phones, or speeding. In which all that has made me more of a defensive driver cause I have to look for dumb [redacted] all over the road. 1st day with I leave for work hit the main road got cut off 1 mile from the house by a texter who did not signal just moved in and braked and I got pinged for it. Well…… if I get one of those every day my auto ins is not going to look well. I feel most companies are doing this after they jacked your rate up and offer you a way to get a discount then tell you that your not a safe driver you don’t get 30% boom they made money. I’d rather pay about the same with another company rather then shove this in my car again. not likely anyone will get the 30% maybe 5%10% with the 5% they give you for agreeing to put it in the car.

  39. I received e-mail saying I had not sent device back after completion. I sent it back the same day I received the mailing envelope. My wife deleted the e-mail so I don’t have phone number to call. Will be calling my insurance agent on Monday. Please let me know when you receive it .

  40. The point of the program is to help customers with good driving records keep those good driving records. If you are a driver with many tickets and or accidents, the program is not designed for you.

    • However, as an excellent driver, in law enforcement, with zero infractions, I am now concerned that my rates are going to increase BECAUSE I offered to participate in the Safeco RightTrack program. I’ve had mine installed 24hrs and committed 7 braking events. Based on the timing at least two are at the bottom of hills that I drive 5x a week on my way to work.. so the next 90 days, the events are going to add up fast….

  41. What I don’t understand is, I was sent the papers for the option of doing the rewind program, and there’s not even a port in my car! I have a 99 Oldsmobile cutlass. So I pretty much have to pay the higher premium either way. That’s just not right. And apparently, this little device isn’t working right according to all the reviews I just read…. because any normal human being knows that you sometimes have to accelerate higher than the speed limit getting on the on ramp merging onto the interstate, but yet, a review said her score was dinged for it. Another concern, is why it matters if you are breaking. The device is supposedly made to track your speed ( for a speeding ticket) but yet, it also tracks your mileage, acceleration, and has GPS. In my opinion, this device was just made for yet another way for the government to try and control us, and it’s an invasion of privacy. Plus, it’s just another way to get more money out of us. Ridiculous.

    • All vehicles 96 and newer are required to have the OBDII port, which means your 99 does in fact have the port!

  42. I just paid my premium and they charged me the higher amount…?….my agent installed my device…I drove 7 miles home and had an event…..braking…..a hay hauling truck was ahead of me….I was following it at a safe distance & going under the speed limit…a round bail flew off onto the narrow road… I braked safely….got dinged for it! that was 2 days ago… I haven’t driven since….I will never pass this…..I called the toll free number….they will not reveal their success or failure rate……

  43. I have been participating for 3 weeks now because of a speeding ticket. There is a website that you can log into to track your driving performance as you go along. I feel very uncomfortable with this device installed. It does not put me at ease and I think makes my driving more dangerous for city driving. I get dinged everyday on my way to work as I have to accelerate onto an interstate that is going 65-70 mph. I personally feel that accelerating is safer than merging in at 45 mph. They track how long you were in your car, how far you went, what time, where, all of your “events” which includes braking to hard, accelerating, excessive speed, and driving between midnight and 4 am. I wish I never participated.

  44. So far so good. Have had device in for 3 weeks. It makes me a more conscious driver, and my mpg have increased. The hard breaking events are easy to avoid if you allow enough distance (not always easy in downtown Seattle).
    I will save roughly $2500 a year and be a smarter driver. I wouldn’t hesitate on this unless you do a lot of driving between midnight and 4am.

  45. Hey Eric, I wanted to make a correction to the article, and this may simply be an update since you wrote this article, but nonetheless wanted to make you aware;

    “It is also unfortunate that you must do the trial for four months to even get an answer. In the meantime, drivers are paying their inflated premium prices just to see if they end up getting their Setback waived.”

    This is not a true statement. Once they are enrolled in the Rewind program, their premium is decreased as the violation or accident is removed. It is put back on the policy only if they do not score high enough during the evaluation period.

    • Thanks for the correction, Brian. I have updated the information.

      Eric Stauffer

    • That’s not true. Mine went UP. Was told I’d be paying $125 for the car I just bought to find out it’s $135 and somehow I’m paying $145 bc of this tracker…uhhh what?!


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