What is RightTrack?
RightTrack is an optional discount you could add to your auto policy that could save you up to 30% off all your auto policy coverage except the uninsured motorist bodily injury coverage. RightTrack recognizes and rewards you based on your driving habits, via RightTrack app you would load on your phone(s). The evaluation period would be for 90 days and that is it. During the 90 days you get a 10% discount, up front, just for participating. After the 90 days are over, each family member would earn a % discount (from zero percent to 30%) based on how well they drove. Poor drivers and non-participating household drivers would get zero percent but there is no risk of your rate increasing beyond what you are paying right now without the discount.
The two links below have information and a video about the discount.
https://www.safeco.com/products/righttrack#Mobile-app
RightTrack® | Safeco Insurance
You might ask, “what kind of driving habits does RightTrack evaluate?” RightTrack will score each driver based on their driving habits, that include: sudden acceleration, sudden stops, late night driving between midnight and 4 am and the amount of driving you do over 90 days. To get the best score you want gradually accelerate and brake. Avoid driving between midnight and 4 am. When my family and I did RightTrack, I personally did not find volume of driving that big of a factor. I went on a 220 mile road trip and it improved my score because there isn’t much starting and stopping while on the highway. But if you are driving 220 miles in stop and go traffic, that probably wouldn’t give you a good score. Each driver needs to drive at least 500 miles over 90 days to qualify for the discount. You also have up to a week to mark a drive, as if you were a passenger. Otherwise you will be scored based on how well your driver drove. If you drive for a living in company vehicles, this discount program might be a hassle and it may not be the best fit for you.
The more family members that participate, the more concentrated the discount is. This is because each household driver earn a percentage discount, including nonparticipating family members who get a 0% discount. The final discount is calculated by adding up all household drivers’ discount and dividing it by the number of household drivers. For example, if John earned 22%, Betty earned 17% and Martha did not participate the discount would be 13% = ((22% + 17% + 0%)/3 drivers. Let’s say Marth participated and earned 15%, then the discount would be 18% = ((22% + 17% + 15%)/3 drivers.
If you would like to speak to a RightTrack Agent about this program, you can call 877-934-5335 from 5am – 8pm MST Monday through Friday.
Need insurance or looking to shop for better rates? Send me an email at service@elkstoneinsurance.com.
