Safe Driving Programs from Carriers Like Progressive and Safeco—Are They Worth It?

​Insurance companies like Progressive and Safeco offer safe driving programs that monitor your habits in exchange for discounts.

Learn how they work and whether they’re a good fit for you.

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Telematics-based insurance programs have grown fast in popularity—and for good reason. Carriers like Progressive (Snapshot) and Safeco (RightTrack) now offer drivers the chance to earn discounts based on how safely they drive.

But are they worth it? And more importantly—are they the right fit for you?
Here’s a look at how these programs work, what they track, and what to expect before you enroll.

📱 How Safe Driving Programs WorkMost programs involve either:

• A plug-in device for your car, or
• A mobile app that runs while you drive

These devices track your real-world driving habits over a set period (usually 90 days to your full policy term).

🚦 What They Monitor
Each program is slightly different, but most track:

• Braking: Hard or sudden stops
• Acceleration: Rapid takeoffs
• Speeding: Especially over 80 mph
• Time of day: Night driving may increase risk
• Mileage: Lower mileage typically = lower risk
• Phone use: (App-based programs may penalize phone handling or screen time while driving)

💡 Safeco’s RightTrack even rewards you just for signing up, with most drivers earning between 5–30% off at renewal.

📌 Note: Some carriers, like Progressive and Travelers, may raise rates if risky driving is detected. Others, like Safeco, only offer savings—no penalties.

👍 Pros of Enrolling

• Real, behavior-based savings—especially if you're already a careful driver
• Custom rating instead of being lumped into a generic age/location group
• Often available to both new and renewing clients
• Encourages safer habits and driver awareness
• Can be paused or opted out of if you're not satisfied

⚠️ Cons to Consider

• Tracking feels invasive to some drivers
• App usage drains battery and may require permissions you’re not used to
• Hard braking & night driving (even for valid reasons) can work against you
• Some programs can raise your premium if risky habits are detected

🧠 Is It a Good Fit for You?
A safe driving program might be right for you if:
✅ You’re a calm, defensive driver
✅ You rarely drive late at night
✅ You don’t often brake hard or speed
✅ You want a more personalized premium

It may not be ideal if:
🚫 You drive in heavy stop-and-go traffic often
🚫 You have teen drivers or frequent phone use while driving
🚫 You’re uncomfortable with GPS or phone-based tracking

🏁 Final Thoughts
​Safe driving programs offer real savings—but they’re not one-size-fits-all. If you’re confident in your driving habits and okay with some light tracking, the rewards can be worth it. Just be sure to choose a program that fits your comfort level and driving style.

Want help deciding if one of these programs is a good fit for your policy?
At Corin Insurance Group, we work with carriers like Progressive, Safeco, and Nationwide to help you weigh the pros and cons and enroll with confidence.

Disclaimer:
This article is for informational purposes only and does not guarantee any specific rate or discount. Telematics programs vary by insurance carrier and may have eligibility, location, or technical requirements. Always consult your licensed insurance agent for details.