Liberty Mutual RightTrack review

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Practicing safe driving skills when you are on the road is important for a number of reasons, but it can also help you save money on your car insurance. Most auto insurance companies offer safe driver discounts, often monitored with a mobile app. If you are a customer of an auto insurer that has a safe driver program, it may save you money and could help you become a better driver in the process. Liberty Mutual’s safe driver program is called RightTrack, where enrolled drivers are rewarded for their safe driving habits with a discount on their auto insurance policy. It is a free program that is available to Liberty Mutual policyholders in most states.

What is Liberty Mutual RightTrack?

Liberty Mutual RightTrack is designed to reward drivers for practicing safe driving habits on the road. Drivers who enroll in this usage-based insurance program receive a small tag device to place inside their vehicle which tracks their driving habits. After 90 days of using this telematics device, customers become eligible for a discount of up to 30% on their auto insurance premium. It is also worth noting that you will receive a small discount on your policy just for signing up for the RightTrack program.

How does Liberty Mutual RightTrack work?

RightTrack is open for Liberty Mutual auto insurance policyholders in most states, regardless of their age or the type of vehicle they drive. When drivers enroll, they are mailed a small tag-tracking device that is placed on the windshield of their vehicle. The GPS device records your driving habits, including hard braking, speed, nighttime driving and the number of miles driven.

With each driving trip, the RightTrack telematics device will record the driver’s behaviors and reward them for practicing safe driving skills. In order to qualify for the discount, drivers must use the device for a minimum of 90 days. After the device is mailed back to Liberty Mutual, the company will review the results and confirm the discount.

Drivers who score well in the program are eligible for a discount of up to 30% on their Liberty Mutual auto insurance policy. Customers will continue to get the discount for as long as they have an active auto insurance policy with the company. Even customers who sign up for the program but do not complete it will get a discount just for participating.

The RightTrack device pairs with Liberty Mutual’s mobile app, which is available for iOS and Android devices. In the app, drivers are presented with smiley faces which indicate their driving performance. The app logs every trip and offers visual feedback of the driver’s on-road skills.

Overall, Liberty Mutual’s RightTrack app gets great reviews from users. It has over 4,300 reviews in the App Store with an average rating of 4.5 stars. In the Google Play Store, the app has over 5,500 reviews, also with a strong average rating of 4 stars. However, some customers have expressed concerns about the app’s ability to accurately track driving habits.

What does Liberty Mutual RightTrack monitor?

There are certain driving behaviors that are monitored by the RightTrack app. These include:

  • Braking
  • Acceleration
  • Nighttime driving
  • Miles driven

Braking steadily instead of rapidly, accelerating gently, driving less during the overnight hours and keeping your miles low are some of the ways to score well with the RightTrack app.

How much money can you save with Liberty Mutual RightTrack?

Liberty Mutual customers who consistently show safe driving habits can save up to 30% on their car insurance premium. There is also a participation discount for policyholders who do not complete the 90-day program.

As soon as a customer enrolls in the RightTrack program, they will be given an initial discount on their auto policy. When the 90-day period ends and Liberty Mutual reviews the driver’s score, 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 a 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 RightTrack mobile app. When a driver consistently practices good driving habits, they will see an estimated savings increase.

The estimated annual savings is calculated by adding the driver’s premium discount during their review period, with their trending discount prorated for the remainder of the policy term.

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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 can rise the longer you remain a customer of Liberty Mutual and keep practicing safe driving habits.

Who should enroll in Liberty Mutual RightTrack?

Liberty Mutual RightTrack is a great program for anyone who wants to save money on their car insurance premium. But keep in mind that the program is only open to existing Liberty Mutual policyholders.

The program is especially beneficial for teens and young drivers, who are generally subjected to very high insurance premiums. It is also ideal for drivers who have a history of accidents or speeding tickets. Having a poor driving record usually means paying a higher premium, but the RightTrack program can help lower the cost.

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 company offers.

Frequently asked questions

What is the best auto insurance company?

Each person’s insurance needs and budget will differ from the others, but the best auto insurance companies in the U.S. are the ones that consistently rank high for their rates, coverages and customer service. The Insurance Information Institute recommends you shop your coverage at policy renewal time and obtain a minimum of three quotes to compare rates and coverages.

Are there fees for using Liberty Mutual RightTrack?

There is no cost to enroll in Liberty Mutual’s RightTrack program. After signing up, the company will mail drivers their device, which is free to use for the 90-day period. The mobile app is also free for iOS and Android mobile devices.

Does Liberty Mutual RightTrack monitor speed?

RightTrack’s telematics device tracks acceleration and braking and can sense when a driver is stepping on the gas or braking too quickly. However, it does not track your actual speed when the vehicle is moving.

How do you use the RightTrack device?

Upon enrolling in the program, Liberty Mutual will mail a GPS device to the driver. The tag device should be installed on your vehicle’s windshield, behind the rearview mirror. Then, the driver will need to link the device to RightTrack’s mobile app.

The device remains activated at all times and does not need to be charged. The device will automatically sense the vehicle’s movements and send feedback to the mobile app. As long as GPS and Bluetooth are active on the driver’s mobile phone, the app does not need to be open while operating the vehicle.

If the enrolled driver is a passenger on a trip in their car, they can change the “driver status” button to “passenger.” The trip details will still be recorded, but the other driver’s performance will not count toward the enrolled driver’s overall score.

If the driver gets a new vehicle while enrolled in the program, they can simply move the device to the new car. However, they will need to contact Liberty Mutual to register the new vehicle and remove the old car from their policy.

Liberty Mutual offers numerous resources on its RightTrack website for customers who need help troubleshooting or setting up their device for the first time.

How much money will I save with RightTrack?

Based upon your safe driving habits, you can save up to 30% on your annual premium for as long as you remain a Liberty Mutual customer.

Written by
Cynthia Widmayer
Insurance Contributor
Cynthia Widmayer has over two years of experience as a personal finance writer. She covers home, car and life insurance products for Bankrate, the Simple Dollar, and Coverage.com, among others.
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Director of corporate communications, Insurance Information Institute