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Auto insurance rates are often calculated based on discriminatory factors like your gender, marital status, and credit score. Wouldn’t it be great to pay car insurance rates based on how you actually drive?
It’s called usage-based auto insurance, and Liberty Mutual’s RightTrack may be a good option for you. Keep reading our Liberty Mutual RightTrack review to see if you can save up to 30 percent on your auto insurance rates.
Even if you are a bit anxious about trying Liberty Mutual RightTrack, you can still get affordable car insurance quotes from Liberty Mutual and many other companies by entering your ZIP code.
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RightTrack is one of many driving habits tracking programs offered by most of the best car insurance companies. There are three ways to use RightTrack:
RightTrack requires a 90-day period of gathering information based on your driving habits. You get an introductory RightTrack discount for trying it out, then your auto insurance rates are based on the information collected during the trial period.
Don’t worry: Liberty Mutual will not raise your rates if your scores come in below par.
To learn more about Liberty Mutual, read our Liberty Mutual insurance review.
Liberty Mutual’s RightTrack program may not be available at all in your state, or only a certain type of RightTrack can be used in your state.
The RightTrack device that is plugged into your car is currently available in:
The RightTrack “tag” device that is attached to your windshield is currently available in:
The RightTrack mobile app is currently available in:
Liberty Mutual is constantly negotiating with more states regarding their usage-based program availability. Use your Liberty Mutual login to check to see if RightTrack is offered in your state. Or call the Liberty Mutual phone number and speak with a representative from Liberty Mutual customer service.
Just for taking RightTrack for a test-drive, you will get a 5 percent discount. After your trial period, you could save up to 30 percent, but most drivers save an average of 10 to 15 percent. Read our Liberty Mutual auto insurance review to learn about other discounts to save on your auto insurance rates.
Using RightTrack could lead to substantial savings, but whatever discount you get initially stays with the policy, even if you get a different vehicle.
| Liberty Mutual RightTrack Program | Average Semi-Annual Liberty Mutual Car Insurance Rates |
|---|---|
| With RightTrack | $448–$608 |
| Without RightTrack | $640 |
You won’t have a chance to take the 90-day assessment again to try to get a bigger discount.
If you choose the tag program, any and all cars can use RightTrack. If you choose the plug-in device, your car must be newer than 1996, and RightTrack device installation is easy. If you choose the app, any smartphone will work as long as it has GPS and Bluetooth capabilities.
The steps to using RightTrack are fairly simple. The steps are:
During the trial period, you can change your settings in the app to “driver” or “passenger” so that it will not collect data when you are in someone else’s vehicle. You can choose to drop the program at any time, and you will lose your initial enrollment discount.
Your driving data is collected and stored for future analysis when the trial period is up. The types of data that is tracked are:
After each trip, the app will give you a report of how you did. If you are wondering how to beat Liberty Mutual RightTrack, there is really no way to cheat telematics. Data never lies. Read more about telematics provided by the National Association of Insurance Commissioners (NAIC).
Liberty Mutual promises to protect your privacy. Once your discount is calculated, the personal identifiable information is wiped from your account and the data is then used for further research.
Some users have reported that the device and app are very sensitive to acceleration and breaking. RightTrack does not currently track your driving speed and compare it to the posted speed limit.
RightTrack has 4 stars in the App store with over 4,000 reviews. In the Google Play Store, RightTrack carries 4 stars as well and has almost 4,500 reviews.
Existing Liberty Mutual customers can enroll in RightTrack anytime. New customers can also try out the program. If you work mostly from home or you have a very short commute to a 9 to 5 job, RightTrack may be a good option to lower your auto insurance rates.
If you have an extremely long commute or you work third shift, it’s very unlikely you will get a discount. Also, if your car has a turbo engine, there is a higher chance of quicker acceleration. If you live or work downtown in a bustling city, you are more likely to break heavily and quickly due to traffic or congestion.
If you still aren’t sure if you wish to try Liberty Mutual’s RightTrack usage-based auto insurance program, you can check out other companies and get free quotes by entering your ZIP code.
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