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Liberty Mutual is one of the most popular car insurance carriers in the country. Like many auto insurance carriers, Liberty Mutual offers a telematics program which could generate significant premium discounts for policyholders. Car insurance with telematics means that you allow the company to track certain aspects of your driving patterns to determine how safely you drive. Liberty Mutual’s program is called RightTrack and is available in most states. Typically, the program is completed via a mobile app, but drivers in New York must use a plug-in device due to state regulations. Bankrate breaks down the ins and outs of the RightTrack program to help you decide if it’s right for you.
What is Liberty Mutual RightTrack?
Liberty Mutual’s telematics program RightTrack is designed to reward drivers for practicing safe driving habits on the road. Drivers who enroll in this usage-based insurance program may receive a small tag device to place inside their vehicle which tracks their driving habits or can use an app on their phone. After 90 days of using this telematics device or app, customers become eligible for a discount of up to 30 percent on their auto insurance premium. It is also worth noting that Liberty Mutual will reward you with a small discount on your policy just for signing up for the RightTrack program.
How does Liberty Mutual RightTrack work?
RightTrack is available for Liberty Mutual auto insurance policyholders in most states, regardless of their age or the type of vehicle they drive. In New York, drivers are mailed a small plug-in device because state insurance regulations do not allow mobile app tracking of vehicles. With each driving trip, the Liberty Mutual mobile app or plug-in device records the driver’s behaviors, including hard braking, acceleration, nighttime driving and the number of miles driven. Drivers who score well in the program are eligible for a discount of up to 30 percent on their Liberty Mutual auto insurance policy.
Overall, Liberty Mutual’s mobile app gets great reviews from users. It has over 273,000 reviews in the App Store with an average rating of 4.8 stars. In the Google Play Store, the app has over 81,000 reviews, also with a strong average rating of 4.7 stars. However, some customers have expressed concerns about the app’s ability to accurately track their driving habits. In response, the company has launched an update which it says will allow for more accurate and simplified trip tracking.
What does Liberty Mutual RightTrack monitor?
Certain driving behaviors are monitored by the Liberty Mutual RightTrack app, including:
- Hard braking
- Rapid acceleration
- Night time driving
- Miles driven
Braking steadily instead of rapidly, accelerating gently, driving during the safest time of day (and avoiding too much overnight driving) and keeping your miles low are some of the ways to score well with RightTrack.
How much money can you save with Liberty Mutual RightTrack?
Liberty Mutual policyholders who consistently show safe driving habits can save up to 30 percent on their car insurance premium. As soon as a customer enrolls in the RightTrack program, they are given an initial discount on their auto policy. When the 90-day tracking period ends, the final discount will be applied, replacing the initial discount. Drivers who complete the program are able to keep their discount for as long as they have an auto policy with Liberty Mutual.
During the course of the program, drivers can see their projected savings on the Dashboard or the Savings Details page in the Liberty Mutual RightTrack mobile app. A driver who consistently practices good driving habits would see an estimated savings increase. There is also a participation discount for policyholders who do not complete the 90-day program.
Liberty Mutual RightTrack discounts
There are two ways to save with the RightTrack program:
- A sign-up discount
- Lifetime discount of up to 30 percent
These savings stay on your policy as long as you remain a Liberty Mutual auto policyholder.
Who should enroll in Liberty Mutual RightTrack?
RightTrack may be a great program for Liberty Mutual customers who want to lower their average cost of car insurance. The program could especially be beneficial for teens and young drivers, who are generally subjected to very high insurance premiums, but only if those teens practice safe driving habits. RightTrack could also help high-risk drivers improve their driving patterns and earn a discount.
Because the RightTrack program offers an instant discount for enrolling, it could be an enticing option for drivers who are considering switching auto insurance providers. In addition to the RightTrack discount, Liberty Mutual policyholders can also take advantage of other savings that the insurance company offers all of its auto customers. Your insurance agent can provide you with details on the various discounts available.
Every driver has unique needs when it comes to car insurance. To help you decide if RightTrack is a good fit, you may want to review the pros and cons.
|Premium will not increase based on tracked driving habits||Depending on your driving habits, the final discount you receive could be less than the initial discount granted at sign-up|
|Program review period is shorter than some other telematics programs||Sign-up discount amount is not disclosed on website|
|Unlike Allstate’s DriveWise, no bonus performance awards given for excellent driving habits||Discount amount can be reduced if not all drivers listed on the policy participate|
How does Liberty Mutual RightTrack compare to other programs?
Liberty Mutual is only one of the many car insurance carriers that offer a telematics discount. The basic premise of telematics is similar across companies: allow your insurance company to track your driving via a plug-in device or mobile app for the opportunity to receive savings based on safe driving habits. However, how much you save, when you save and whether or not your premium can increase if your company deems your driving as risky can vary.
|Program||Discount amount||Program review period||Premium increase possibility|
|Liberty Mutual RightTrack||Up to 30%||90 days||No|
|Allstate DriveWise||40% or more (savings includes a discount and performance awards)||One policy term for discount eligibility, and performance awards are calculated every policy term that has 12 months of driving data||No|
|Progressive Snapshot||$47 average discount at sign-up, $156 average discount at renewal once data is collected||One policy term||Yes|
|State Farm Drive Safe and Save||Up to 30%||One policy term||No|