Liberty Mutual RightTrack Review
Liberty Mutual RightTrack is a solid usage based program that only monitors drivers for a brief period of time.
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Liberty Mutual RightTrack monitors and rewards safe driving with auto insurance discounts. A usage based insurance program, the RightTrack program uses telematics to track a driver's performance. Liberty Mutual customers who practice good driving habits are rewarded with discounts of up to 30% on their car insurance rate.
Pros and cons
Pros
Rates won't go up for poor driving habits
Phone usage won't affect your discount
Great way for high-risk drivers to save on insurance costs
Cons
Doesn't offer the opportunity to improve your discount in the future
Rates are typically expensive before the discount
What is the RightTrack Program with Liberty Mutual?
Liberty Mutual's RightTrack program uses telematics technology to observe and reward safe drivers with discounts on their auto insurance rates. Discounts range from 5% to 30%.
Telematics technology collects data on driver behavior and transmits it to the insurance company. Liberty Mutual offers drivers the chance to use the RightTrack tracking device or mobile app to share their driving data during a 90-day review period. Afterwards, Liberty Mutual uses the data to determine your discount.
The better your driving behavior, the larger your discount will be. The maximum discount is 30%. But most drivers seem to earn a discount of 10% to 15% with Liberty Mutual RightTrack.
Participating in LibertyMutual RightTrack will not increase your auto insurance rate. This discount guarantee set Liberty Mutual apart from other insurance companies, which can penalize unsafe driving practices with higher insurance rates.
Is Liberty Mutual RightTrack worth it?
Liberty Mutual RightTrack is an excellent choice for drivers who are often charged high rates. Before telematics technology, insurance companies relied on personal info to calculate rates. This includes age, credit history, marital status and gender.
Companies still use this info to set rates. But usage based programs like RightTrack allow drivers who typically pay high rates to get cheaper quotes.
Liberty Mutual RightTrack is worth it for young people who drive safely. Insurance companies typically charge teen drivers higher rates because they have less experience behind the wheel. That makes teens more likely to get into accidents. But by using RightTrack, young drivers can earn a discount for good driving behavior.
Liberty Mutual RightTrack is also worth it for drivers with an at-fault accident or speeding ticket on their record. Insurance companies charge higher-risk drivers higher car insurance rates. If you drive safely, RightTrack can help you get a lower rate.
How does Liberty Mutual RightTrack compare to other usage based programs?
Liberty Mutual guarantees a discount ranging from 5% to 30% to all participants in the RightTrack program. This might sound like a great deal. But how does Liberty Mutual RightTrack compare to other tracking device telematics programs?
Program name | Maximum discount | Length of review period | Can rates go up? | Phone usage impacts discount? |
|---|---|---|---|---|
| Liberty Mutual RightTrack | 30% | 90 days | No | No |
| Progressive Snapshot | $37 average sign-up discount, $145 average final discount | First policy period (~six months) | Yes | Yes, if using Snapshot Mobile app |
| Geico DriveEasy | 25% | First policy period | Yes | Yes |
| Allstate Drivewise (app) | No maximum discount; initial sign-up discount, then drivers receive performance discounts for safe driving | First 50 trips (minimum of 60 days), then every six months | Discount may increase or decrease depending on driving performance during previous policy periods | No |
| Nationwide SmartRide | 40% | 4-6 months | No | No |
| State Farm Drive Safe & Save | 30%, 50% for some customers | Each policy renewal period (~six months) | Discount may increase or decrease depending on driving performance during previous policy periods | No |
| USAA SafePilot | 20% | Each policy renewal period | Discount may increase or decrease based on performance during the policy period immediately prior to the discount | Yes |
Liberty Mutual RightTrack stands out from the competition for several reasons:
RightTrack does not measure phone usage while driving. If you struggle to keep your hands off your phone in the car, this is a good program for you.
RightTrack monitors driver behavior for a brief amount of time compared to other programs. Several of Liberty Mutual's competitors require continuous monitoring. They allow discounts to fluctuate based on performance during prior policy periods. RightTrack monitors your behavior for 90 days, then lets you keep the discount for good.
If you would like multiple opportunities to increase your discount, RightTrack is not the best fit for you. You can re-enroll in the program once each policy term. Other companies don't require you to re-enroll. You should consider RightTrack if you want to limit how long your driving is monitored.
RightTrack offers a decent maximum discount of 30%, but it's not the highest.
Sign up for Liberty Mutual's RightTrack program if you are confident you would drive safely and earn a discount. The program offers a discount that lasts for the life of your policy in exchange for a very brief monitoring period. It's a solid deal reliable drivers should consider.
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How does Liberty Mutual RightTrack work?
Liberty Mutual RightTrack allows drivers to receive discounts on their auto insurance by sharing driving data with Liberty Mutual. A device or a mobile app tracks a driver's behavior during each individual trip taken in the car. This info is then used to project a driver's yearly savings on their auto insurance policy.
The program only applies these discounts to base auto insurance coverage. While different states define base coverage differently, it often includes:
- Bodily injury
- Property damage
- Comprehensive
- Collision
- Personal injury protection (PIP)
- Medical payments
- Uninsured motorist
- Underinsured motorist
There are three different versions of the Liberty Mutual RightTrack program. Drivers don't choose which version they participate in. Participation is determined by your location.
Some version of Liberty Mutual RightTrack is available in the District of Columbia and 41 of the 50 states. The nine states where Liberty Mutual RightTrack does not operate are:
- Arkansas
- California
- Hawaii
- Montana
- North Carolina
- North Dakota
- South Dakota
- Washington
- Wyoming
If you live in one of these states, you will not be able to participate in Liberty Mutual RightTrack. If you live in another state, however, you will have access to one of the three versions of the RightTrack program. The three versions of Liberty Mutual RightTrack are:
All three versions allow drivers to share their data with Liberty Mutual and receive discounts for their good behavior. But the details of how each program collects and shares this data differ slightly.
RightTrack program | All cars eligible? | Tracking device? | Mobile app? | Web portal? | States available | Forfeit discount... |
|---|---|---|---|---|---|---|
| RightTrack Tag program | Yes | Yes | Yes | No | AL, AR, AZ, CO, CT, GA, ID, IN, KY, LA, ME, MI, MN, MS, NH, NM, OH, OK, OR, PA, TN, TX, UT, VT, WI, WV | If review period not started after 21 days |
| RightTrack Plug-in program | Most cars made after 1996 | Yes | No | Yes | DC, IL, FL, MA, MO, NJ, NV, NY, RI, SC, VA | If review period not started after 30 days |
| RightTrack Mobile App program | Yes | No | Yes | No | DE, IA, KS, MD, NE | N/A |
How does the RightTrack Tag program work?
The RightTrack Tag program uses a tag tracking device attached to the windshield to observe a driver's behavior on the road. It allows drivers to view their progress in the RightTrack mobile app. To join the RightTrack Tag program:
- Step one: Join RightTrack when you sign up for your Liberty Mutual policy. Liberty Mutual will include an activation code in a welcome email sent to the email address you used to sign up.
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Step two: Download the RightTrack mobile app from GooglePlay or the Apple app store. Use the activation code sent to you via email to create an account. Adding the app to your phone will prompt Liberty Mutual to mail your tag device to you.
- Step three: If other drivers are on your policy, they should download the app and participate in the program as well. Discounts reflect the performance of all drivers using the car, but the program collects individual performance statistics as well.
- Step four: Install the RightTrack tag device on your windshield behind your rearview mirror. Liberty Mutual's website offers guidance on how to install the device. Use the RightTrack app to connect the tag with your car within 21 days to receive your sign-up discount. This also initiates the review period.
- Step five: Drive for the 90-day review period. Use the app to monitor your projected discount, see how Liberty Mutual assesses each trip you take and to mark yourself as a passenger when someone else is driving the car.
- Step six: Receive your new discount from Liberty Mutual after the 90-day period ends. Mail back the tag device in the box the company gives you.
How does the RightTrack Plug-in program work?
The RightTrack Plug-in program uses a device that attaches to the on-board diagnostics (OBD) port of your car. It tracks driving habits and allows drivers to view their data via the online My RightTrack portal. Generally speaking, this plug-in device is only compatible with vehicles made in 1996 or later.
The Plug-in program only works with cars made since 1996 and displays the data it collects via an online portal. However, the Tag program works with all cars and displays the data it collects via the mobile app.
To participate in the RightTrack Plug-in program:
- Step one: Join the RightTrack Plug-in program by signing the terms and conditions. Liberty Mutual will mail you the plug-in device.
- Step two: Attach the plug-in device to the OBD port of your car within 30 days. This installation of the Liberty Mutual RightTrack device initiates your review period.
- Step three: Drive for the 90-day review period. Liberty Mutual will email you access to your driving data via the My RightTrack website within 48 hours of your first trip.
- Step four: Visit the online My RightTrack portal and log in to see the data Liberty Mutual has collected about your driving and discount. Twenty-four hours may pass before your most recent trips show up in the portal.
- Step five: Receive your new discount from Liberty Mutual after the 90-day period ends. Mail back the plug-in device in the envelope the company gives you.
How does the RightTrack Mobile App program work?
The RightTrack Mobile App program uses your phone to monitor your driving and set your discount. The program is only available in five states. This suggests that all cars insured by Liberty Mutual in these five states can participate in the program.
This program differs from the tag and plug-in programs because it doesn't use a tracking device. Instead, the app monitors and reports on driving behavior.
To enroll in RightTrack's mobile app:
- Step one: Join the RightTrack program when you sign up for a Liberty Mutual car insurance policy. Liberty Mutual will include instructions and an activation code in a welcome email.
- Step two: Download the RightTrack mobile app from GooglePlay or the Apple app store. Use the activation code sent to you via email to create an account.
- Step three: Share the activation code with other drivers on your policy and ask them to participate. Discounts reflect the performance of all drivers. Those who share their data add to the final discount.
- Step four: Drive for the 90-day review period. Use the app to monitor your projected discount. See how Liberty Mutual scores each trip and mark yourself as a passenger when someone else is driving.
- Step five: Receive your new discount from Liberty Mutual after the 90-day period ends.
How much can I save with Liberty Mutual RightTrack?
Drivers could save anywhere from 5% to 30% at a minimum, depending on how well they drive. And your rate will never go up based on your driving.
To encourage participation, Liberty Mutual offers a discount for enrolling in RightTrack. Before you install the tracking device, you get a small discount on your policy.
Many drivers receive a discount of 5% for signing up for the RightTrack program. The discount varies from state to state. Drivers who don't finish the trial period forfeit the sign-up discount.
Liberty Mutual replaces the sign-up discount with the discount calculated based on your driving behavior during the 90-day review period. This discount is effective for the life of your policy.
You will get a discount at the end of the 90 days. But poor driving might lead to lower savings than the sign-up discount. In this case, Liberty Mutual will bill you for the difference between the two discounts.
What does Liberty Mutual RightTrack monitor?
Liberty Mutual RightTrack monitors several behaviors associated with unsafe driving and increased accidents, including:
- Total miles driven
- Nighttime driving
- Braking
- Acceleration
In addition to monitoring these behaviors, Liberty Mutual also collects and transmits a variety of other telematics data, including:
- Location
- Technology source
- Trip type
- Mobile phone type
- Technology ID number
- Ignition on and off
- Technology connection event
- Technology disconnection event
Liberty Mutual may cancel your enrollment in the program if the company finds evidence of a driver disconnecting the device often. This explains why the company monitors technology connection and disconnection events.
Wondering how to beat Liberty Mutual RightTrack? Drive safely on the roads. Tampering with the device or attempting to game the system could disqualify you from the program altogether.
Liberty Mutual does not sell data collected through the RightTrack program. Data is used to offer discounts on car insurance and to offer RightTrack-related services. It's also used to research and develop rates, services and benefits.
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