It’s a daunting idea. You put a device in your car, it watches you drive for some set amount of time, and then the insurance company takes it back. Then, what? It changes your rates? It follows you on your commute? The truth of the matter is far from scary. Safeco’s RightTrack® safe driver program and its similar counterpart with Progressive, the Snapshot® program, are an incredibly simple way of saving you a good amount of money on your car insurance. Take Safeco’s RightTrack, for example. As soon as you sign up for the completely voluntary program, you are already guaranteed a discount upon completion. Here’s how you can save money with RightTrack: STEP 1: Plug the device into your car’s computer for 90 days. STEP 2: Safeco will email you instructions after the device is installed on how to access all of the information gathered on a secure online dashboard. STEP 3: After those 90 days, you’ll get another email with what your final discount will be. No matter what, if you complete the 90-day RightTrack program, you will receive a discount of anything from 5% to 30% of your premium. The insurance company looks at these key metrics when determining your overall safe driver discount:
- Number of miles you drive
- Time of day you drive
- Rapid accelerations
- Hard braking
And guess what? Your privacy is completely protected. According to Safeco, any personally identifiable data is not shared outside of servicing your policy, for research, or as required by law. Not only is your insurance rate based on the traditional factors of what vehicle you drive or what your driving record looks like, but also on your actual driving behavior. Does this sound like something you’d like to take advantage of? Contact us today and find out how you can save money on your car insurance or if a safe driver program is right for you.