Liberty Mutual RightTrack review
Good driving habits mean up to 30% off your auto insurance premium with this telematics program.
- Liberty Mutual offers RightTrack enrollees a 10% discount right away, with the potential for up to 30% off after your 90-day trial period.
- Guaranteed 5% discount for enrolling in RightTrack and completing the trial period.
- Depending on your state, you can use the mobile app, plug-in device or windshield sticker to measure your driving.
- Bad driving habits could mean having to pay back some of your 10% discount.
- The program is not available in all states.
- Some customer reviews complain the app is too sensitive and rewards poor driving behavior.
Our take on Liberty Mutual RightTrack Telematics
Telematics programs, also referred to as usage-based programs, track your driving habits to help set your rates or offer a discount. Though each insurer’s program differs slightly.
For driver’s open to the idea of sharing their data in exchange for a discount, Liberty Mutual offers three ways to track your driving, an initial 10% discount at signup and a final discount worth between 5% to 30% off monthly premiums.
Your driving habits determine how much your final discount is worth, though some customers complain the metrics are too strict to receive a meaningful discount.
RightTrack won’t raise your premiums if your driving habits aren’t up to snuff, like with other competitors. But while the initial 10% discount is larger than some competitors offer through their telematics technology programs, if your driving habits don’t warrant the initial 10% discount after the trial period, you’ll owe the difference back.
And while the flexibility of the tracking methods that Liberty Mutual offers is a plus, you may be limited in options due to state availability.
How Liberty Mutual RightTrack works
RightTrack is a telematic device system that monitors your positive driving habits for 90 days to reflect an insurance discount of between 5% and 30%. The device tracks your driving behaviors, like how you brake and accelerate. You are rewarded with a discount when your driving matches these target habits.
For example, if your driving shows you should get a 5% discount, then you’re billed for 5% of the premium to make up for the 10% initial discount. If your driving supports a 15% discount you’ll receive another 5% off to make 15% total.
The app gives you immediate feedback after each trip to show how it judges safe driving and suggests ways to improve your overall driving score.
What to expect after you sign up
When you enroll, you receive a 10% discount on your premiums. Then, Liberty Mutual tracks your driving habits for 90 days and offers a policy discount between 5% to 30%.
If you qualify for less than your 10% initial discount, you’ll be billed the difference whereas if you qualify for more than 10% off, your discount goes up.
All drivers on your policy should download the app and complete the RightTrack trial program to maximize your savings. At the end of your trial period, Liberty Mutual combines the scores of all drivers together then divides by the number of drivers on your policy to arrive at your discount.
For example, if one listed driver earns a 30% discount and the second listed driver earns a 10% discount, their total discount would be 20%.
RightTrack monitors 4 driving behaviors to set your discount
RightTrack rates your driving using several factors.
- Acceleration. Taking off from a standstill or changing rapidly from one speed to another.
- Hard braking. Whether you’re approaching a traffic signal, speed bump or changing road conditions.
- What time you drive. Driving between midnight and 4 a.m. counts as riskier driving behavior compared to driving during the day.
- Total number of miles driven. Since the more miles you drive the more chances there are for an accident to occur.
3 ways to track your driving
Choose to track our driving through an app, a tag placed on our car or a plug-in device depending on which state you live in.
1. RightTrack Mobile
With the RightTrack mobile option, you download the Liberty Mutual RightTrack app to your mobile device. The app uses GPS to measure your driving habits.
Once your trial is complete, receive savings between 5% and 30%. You’ll need to drive at least 125 miles over your 90 day trial, otherwise, you’ll be limited to the minimum discount of 5%.
2. RightTrack Tag
Liberty Mutual mails you a RightTrack tag that attaches to your windshield and measures your trips. Stick the RightTrack tag to the inside of your windshield, under the rearview mirror.
Once the tag is installed, link it to the RightTrack app and begin your trial period. You’ll be able to see your driving behaviors and make trip updates in the app if necessary. Once your trial period is over, you return the tag in a return box sent you from Liberty Mutual.
3. RightTrack Plug-In
If you live in Florida, New Jersey, Nevada, New York or Rhode Island you’ll have access to the RightTrack plug-in. The plug-in is a small box compatible with your vehicle’s OBD-II port, usually located around or below your steering wheel. Liberty Mutual sends you the device and instructions to install and activate it.
Once the plug-in is activated, it measures the same key driving behaviors as the mobile app. Log into Liberty Mutual’s RightTrack portal to view the details of your trips during your trial period and your estimated discount. After the trial, send the plug-in back to Liberty Mutual.
5 steps to join Liberty Mutual RightTrack
Enroll in the Liberty Mutual RightTrack program by purchasing an auto policy with Liberty Mutual first, making sure to request enrollment in the RightTrack program when you apply for your policy.
Follow these five steps to join Liberty Mutual’s RightTrack program.
- Request enrollment in the RightTrack program. Once enrolled, Liberty Mutual emails you a welcome email with instructions for your trial period.
- Download the Liberty Mutual RightTrack app from the app store or Google Play and follow instructions to set it up. If you plan to use the plug-in or windshield device to track trips, request the number of devices you’ll need for all your vehicles.
- When you receive your device, install it in your vehicle and follow the directions from Liberty Mutual to activate it and begin your trial. If you are using the app only, you can begin your trial immediately.
- Drive normally for the next 90 days and check your trips in the app weekly.
- After your 90-day trial, Liberty Mutual applies a 5% to 30% discount to your premiums based on your driving habits.
If you’re already a Liberty Mutual customer, request to enroll in the RightTrack program online or by calling your agent.
Good drivers can get up to 30% off premiums
Drivers using Liberty Mutual’s RightTrack program save between 5% and 30% on their auto insurance premiums. Liberty Mutual guarantees drivers who complete the 90-day trial see savings.
When you enroll in RightTrack, Liberty Mutual applies an automatic 10% premium discount. At the end of your 90-day trial, the initial 10% increases or decreases accordingly.
A few other insurers offer the same 10% discount upon enrolling such as Nationwide and Esurance and many competitors offer 3% and 5% as an initial discount.
Qualifying for the upper end of Liberty Mutual’s discount of 30% nets you a larger discount than with many competitors. However, customers complain earning a 30% discount is difficult for most drivers to achieve because of the app’s sensitivity to normal driving conditions, like speeding up to merge onto a busy highway.
Liberty Mutual RightTrack reviews and complaints
Liberty Mutual’s RightTrack app has 4.4 stars out of 5 in the app store. Customer complaints center around the app’s sensitivity. Some people complained the app did not account for braking to avoid traffic stopping suddenly or accelerating more quickly than usual to merge onto a highway.
Customers also reported being motivated to drive to appease the app, indicating a worrisome lack of focus on actual driving conditions. Some complaints focused on the app missing trips or misleading them by suggesting they’d receive a higher discount earlier in the trial.
Positive reviews show customers were pleased with the discounts they earned through the program. Some customers comment that the driving behaviors measured by the app are standard safe driver habits, so it should be easy to obtain a good score by driving safely during the test period.
Your data can be used for more than setting rates
Liberty Mutual collects a long list of data through its telematics program, including mileage, speed, vehicle diagnostics, trip purpose, location, time of day and more. It doesn’t sell the data it collects through the RightTrack program, but it may use it to market other Liberty Mutual products to you, for claims investigations, legal requests and for research.
How do I use the RightTrack app?
If you are using the app to track your trips, it works automatically in the background while you are driving – there is no need to open the app to start or end your trips. You should review trips weekly in the app to make sure it captures your data correctly. If you were a passenger in a friend’s car, for example, you’d want to mark yourself a passenger for that trip.
What to watch out for
As with any electronic monitoring device, keep some of these possible user issues in mind.
- Your cell battery life could plummet while tracking your trips since the app uses your mobile phone to operate. Also, the app will stop tracking once your mobile battery reaches below 20%.
- OBD-II port device is a plug-in device that will use your car battery to operate, and can cause problems on cars with older batteries. Also, vehicles manufactured in 1996 or earlier likely won’t have an OBD-II port built in.
- Windshield device is optimally installed behind your rearview mirror. Other sensor devices – like a dashcam – could interfere with your telematic device’s ability to gather data.
- Your data might be used to market additional products to you based on the data Liberty Mutual collects through its RightTrack program.