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Liberty Mutual RightTrack® Review & Complaints | Pay-per-mile

Liberty Mutual RightTrack is a usage-based program that could save you between 5%-30% off your Liberty Mutual car insurance rates. The RightTrack device monitors driving habits like hard braking and calculates a discount based on the results.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 27, 2020

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Liberty Mutual RightTrack Overview
Key Info
DetailsFrom the Experts...
Usage-Based Insurance ProgramsPrograms to track driving habits have been around for a decade in the United StatesNational Association of Insurance Commissioners
Insurance RatesAccidents could raise rates over $1,000 annually Quadrant Data
RightTrack ProgramTracks driving habits to offer discounts and improve drivingLiberty Mutual
RightTrack Program Discount5%-30% premium discountQuadrant Data
Program Length90-day recording period. Lifetime discount after 90-day period. Liberty Mutual
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Interested in lowering your car insurance rates? Among the ways you might save on your auto insurance is through a usage-based Insurance program. How much does Liberty Mutual RightTrack save? With Liberty Mutual RightTrack, policyholders have a chance to earn a discount of up to 30 percent off their car insurance premium.

RightTrack is Liberty Mutual’s usage-based car insurance program that tracks your driving habits and allows you to earn credit for safe driving. If you’re interested in RightTrack, or how to beat Liberty Mutual RightTrack for a better discount, this Liberty Mutual RightTrack review will help you understand all the details of this program to decide if it’s right for you. To learn more about Liberty Mutual, read our Liberty Mutual insurance review.

Before jumping into this Liberty Mutual RightTrack review, you can begin with our FREE tool above to browse different insurance plans.

What is Liberty Mutual RightTrack?

What does Liberty Mutual RightTrack do? RightTrack has been around for a while and has gone through some changes. Originally using a plug-in device, the Liberty Mutual program has shifted to the use of a “tag” device, which is stuck to the windshield and does not attach the car (other than with a little adhesive). There is also an app, which allows the driver to see all the information that is being recorded.

The program uses telematics science technology to remotely monitor and collect data from the driver and the car. It will track things like speed and braking.

This new system allows Liberty Mutual to offer the program in all cars regardless of year, make, or model. The program is not offered in all states, but the website doesn’t list which states do have access.

Liberty Mutual records much of the same information as other usage-based programs. After the evaluation period of 90 days, the driver will receive a discounted rate based on their observed driving habits. During the information gathering period, drivers get an enrollment discount just for signing up. Even if your observed driving doesn’t earn you a discount, RightTrack won’t raise your rates.

The video below gives you a brief overview of the RightTrack program.

Safeco Insurance also uses the RightTrack program for usage-based discounts offered to its customers. The program is shared between the two insurers because Safeco is owned by Liberty Mutual.

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How Liberty Mutual RightTrack Works

So what does Liberty Mutual’s RightTrack do? There are a few types of telematics devices that can track your driving. Instead of using a plug-in device, like some systems, or just an app, RightTrack combines the use of an app with the windshield mounted device. This device connects with the app to send information as you drive.

Each vehicle will need a device to earn a discount on the premium for each car. Similarly, each driver will need to download the app and connect it to the device. To prevent confusion, the app can be set to either “driver” or “passenger.” This will prevent data from being collected if someone else is behind the wheel. It is not required that every driver in the household has the app.

RightTrack runs for 90 days, after which the tag can be sent back to the company and the final discount is calculated.

During that time, the driver can monitor progress using the app. It will show a variety of emoticons for each trip indicating how well the driver performed in terms of safe habits. Those habits include the rate of acceleration, hard braking, and the time of day that the trip took place. These are all factors that can increase or decrease the likelihood of an accident.

After the driver has completed the 90-day evaluation period and returned the device, the discount is applied for the life of the policy. Some usage-based programs run on an ongoing basis and provide the opportunity to earn more, or less, discounts. RightTrack only runs once, and for a relatively short time period.

The 90-day tracking period is convenient for getting it over with, but also limits the amount of time in which the driver can adjust driving habits to improve upon the final discount.

Some drivers might ask, how do I maximize a RightTrack discount? The best way to do this is to drive as safely and efficiently as possible during your 90-day evaluation period.

Drivers can choose to stop the program at any time during the 90 days but will forfeit the enrollment discount.

What Liberty Mutual RightTrack Records

Through the dashboard device and the app, RightTrack records several data items. This data is transmitted back to Liberty Mutual. The data is then used to impact discounts on your rate.

To learn more about how this device works, check out this brief video.

The telematics device that Liberty Mutual uses for the RightTrack program collects the following data:

  • Number of miles driven
  • Time of day
  • Speed of acceleration
  • Speed of braking
  • Vehicle location

Does Liberty Mutual RightTrack monitor speed? While telematics devices have the ability to monitor speed, Liberty Mutual does not specifically say that they collect data on your rate of speed.

Liberty tracker transmits this information, and all of this information can be viewed by the driver in the RightTrack app, where it is listed on a per-trip basis.

There is no Liberty Mutual dashcam discount as no insurance company in the United States offers this. The only eligible device is the tracker provided by Liberty Mutual.

If you’re wondering how to beat Liberty Mutual RightTrack, we don’t recommend that. Telematics devices use science and math to create a record of your habits. Trying to alter the data or get around could result in losing your insurance policy as well as legal consequences. The Liberty Mutual connection with your car is a binding contract.

How Information Gathered By RightTrack Is Used

The information that is not used for the calculation of a discount is the car’s location. Where you drive does not impact your rate.

Location data is gathered, however, and shown in a trip map in the app, which is provided for the user. The GPS in the device can also be used to find the location of the car if it is stolen or if you cannot recall where you parked.

Beyond personal use and discounts, the data that is collected is also used for internal research. Liberty Mutual does not share the data with any outside the company and promises to protect user privacy.

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Liberty Mutual RightTrack Discounts

How much does Liberty Mutual’s RightTrack save? Upon signing up for the RightTrack program all policyholders receive an enrollment discount that is applied to the policy throughout the data collection period.

The initial enrollment discount is 5 percent. After your data collection period, your discount could increase.

After the data collection period, drivers can earn up to a 30 percent discount. While this is the promised top-end discount, it is difficult to get anywhere near that level. Most drivers, in a majority of these programs, earn a discount in the range of 10–15 percent.

Average Semi-Annual Liberty Mutual Auto Insurance Rates
Liberty Mutual RightTrack ProgramAverage Semi-Annual Liberty Mutual
Auto Insurance Rates
With RightTrack$448–$608
Without RightTrack$640
Get Your Rates Quote Now

The discount with RightTrack could mean significant savings. Liberty Mutual’s discount stays in place for the life of the policy, even if you get a new vehicle. There is no need to re-qualify, but there is also no way to try for a bigger discount.

Liberty Mutual states that the discount applies to the base coverage on the participating vehicle. It may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist.

There is no risk of an increased rate for using RightTrack, no matter what the device records. There are a few companies that will increase rates for drivers who display dangerous driving habits, but Liberty Mutual is not one of them.

Wherever you live, your state will have a minimum required liability coverage. While the minimum requirements might be the cheapest option, it isn’t going to provide full protection. Full protection from any insurer could be a significant cost. Programs like RightTrack can help save you money. Looking for car insurance discounts through your insurer will help offset your premiums.

Liberty Mutual also offers a multitude of other discounts. Among them is the Liberty Mutual driver training program. Offered with online, you could qualify for a safe driver insurance discount. You can also get a discount for having Liberty Mutual car and home insurance together.

Liberty Mutual Auto Insurance Discounts
Liberty Mutual DiscountsPotential Savings
Vehicle Recovery35%
Driving Device/App30%
Good Student22%
Multiple Policies20%
Defensive Driver10%
Driver's Ed10%
Federal Employee10%
Further Education10%
Green Vehicle10%
Multiple Vehicles10%
Students & Alumni10%
Switching Provider10%
Adaptive Cruise Control5%
Adaptive Headlights5%
Anti-lock Brakes5%
Daytime Running Lights5%
Electronic Stability Control5%
Forward Collision Warning5%
Full Payment5%
New Address5%
New Graduate5%
Newly Licensed5%
VIN Etching5%
Recent Retirees4%
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You may also be eligible for Liberty Mutual’s reward program. The longer you are with Liberty Mutual, the more discounts you will be entitled to. Programs like RightTrack, as well as other options, could help save you money when it comes to your plan rates.

Who is eligible for RightTrack?

The main requirement for earning the RightTrack discount is being a Liberty Mutual customer, whether new or existing. The site does not say whether you can enroll mid-term or if you need to wait until the renewal date to sign up. New policyholders can enroll immediately.

All vehicles are eligible for the program. Unlike plug-in devices, which require the vehicle to be newer than 1996 and exclude some hybrid diesel vehicles, the tag device does not have limitations.

To connect the device to the app, a smartphone is required with the appropriate operating system and both GPS and Bluetooth capabilities.

How to Install Liberty Mutual RightTrack

After enrollment, Liberty Mutual will send out the tag device in the mail. The tag device is then attached to the windshield using the adhesive on the back. The recommended location is behind the rear-view mirror.

The app can be downloaded from your phone’s app store and installed. Once you have both the device and the app, you will need to connect them. Before mounting the device on the windshield, there are a few steps to follow to connect the two.

In the Liberty Mutual app, select the vehicle on which you plan to use the device. Next, hold down the button found in the top corner of the tag for three seconds, at which point a red light should begin to flash. Then, confirm the linking of the tag in the app by making sure the serial number of the app matches the tag found by the app. With the activation complete, finalize the setup by attaching the device to the windshield.

The app will run in the background and begin recording data when the tag device detects motion; there is no need to open it or do anything unless you need to switch from passenger to driver or vice versa.

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How RightTrack Stacks Up

RightTrack is similar to most other programs in terms of data recorded and the overall approach to calculating a discount. So what are the pros and cons of the RightTrack program?

You will receive at least the minimum discount for enrolling. The eventual discount available is not as high as that promised by other companies, where the top end is as high as 40 percent. Very few drivers report getting the top end discount from any company, however.

Liberty Mutual offers a minimum of a 5 percent discount to all drivers in the program.

That differs from some companies, where it is possible to not only earn no discount but in rare cases even see a premium increase. Reports from Liberty Mutual customers using RightTrack show discounts in the 10–15 percent range.

Aside from Safeco, Liberty Mutual is one of the few companies that uses a tag device. Most companies use a combination of a plug-in device and an app, and some use only the app. The tag device does make installation a little easier, although some people might not like the idea of having to stick something to the windshield. It should remain mainly out of sight if installed in the proper location.

RightTrack’s 90-day evaluation period is one of the shorter ones out there, which means it is not a long commitment in return for a lifelong discount. It also means, however, that there is not as much time to impress the system, so to speak, with improved driving habits.

Liberty Mutual reviews show that many customers are satisfied with the program. The biggest complaint is that it seems almost impossible to achieve the full discount benefit. As the popularity of usage-based insurance plans is on the rise there is no sign that RightTrack is trending down.

How do I get rid of Liberty Mutual RightTrack? You may opt-out at any time. Liberty Mutual warns that should you choose to remove yourself from the program, you will forfeit the initial participation discount. Your insurance coverage will not be impacted.

What is usage-based insurance?

The National Association of Insurance Commissioners says that Usage-Based Insurance (UBI) programs arrived around a decade ago as a mileage-based discount program linked to a GPS. These programs started as a discount program for good drivers. Telematics devices are plugged into cars and record driving information.

In 2018, the Insurance Information Institute estimated that there were 10 to 11 million telematics-enabled insurance programs in place in the United States. That number has increased even more today as many consumers are looking for ways to save on insurance premiums.

The National Highway Traffic Safety Administration says that accidents cost over $200 billion annually. It is no wonder that Insurance companies are looking for ways to make America’s roads safer. Also, with accidents and other incidents, drivers are looking for ways to be safer drivers. Offers like the Liberty Mutual UBI program, RightTrack, seek to accomplish both.

Take a look at the following table that outlines how much an incident on your driving record can impact rates.

Average Annual Auto Insurance Rates by Driving Record
CompaniesAverage Rates with Clean RecordAverage Rates with One Speeding ViolationAverage Rates with One AccidentAverage Rates with One DUI
USAA$1,933.68 $2,193.25 $2,516.24 $3,506.03
Geico$2,145.96 $2,645.43 $3,192.77 $4,875.87
American Family$2,693.61 $3,025.74 $3,722.75 $4,330.24
Nationwide$2,746.18 $3,113.68 $3,396.95 $4,543.20
State Farm$2,821.18 $3,186.01 $3,396.01 $3,636.80
Progressive$3,393.09 $4,002.28 $4,777.04 $3,969.65
Travelers$3,447.69 $4,260.80 $4,289.74 $5,741.40
Farmers$3,460.60 $4,079.01 $4,518.73 $4,718.75
Allstate$3,819.90 $4,483.51 $4,987.68 $6,260.73
Liberty Mutual$4,774.30 $5,701.26 $6,204.78 $7,613.48
Average Annual Rates$3,123.62 $3,669.10 $4,100.27 $4,919.62
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Having just one accident could cost you over $1000 annually. Safe driving is in your best financial interest and a reason why RightTrack might be for you.

Liberty Mutual’s program operates similarly to other companies, although they use a device that differs from most other programs. This system has grown in popularity over the past few years, with most major insurance companies offering some form of discount for allowing them to monitor driving habits.

UBI is an optional program aimed at giving good drivers a discount while also allowing drivers to track their habits and see what they can do to improve over time.

Take a look at the video below to understand how this trend has shaped insurance plans and drivers.

The Insurance Information Institute states that insurers are capturing data from millions of vehicles to create information profiles on driving behaviors to support UBI programs. These programs are saving drivers money all across America.

Liberty Mutual RightTrack Review: The Bottom Line

RightTrack is a simple program that has no real risk. Drivers can earn, at the very least, a 5 percent discount and likely even more. While it may not be enticing enough to prompt switching car insurance to Liberty Mutual, since most other companies offer similar programs, it is a good incentive for existing customers to improve on driving habits and get a lower rate.

The average discount appears to be fairly high, so we see no reason not to give this program a shot.

Now that you’ve finished this Liberty Mutual RightTrack review, use our FREE tool below to compare rates and take a look at our best online discounts by company. Find the best insurance companies for you.



About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. I joined Liberty Mutual around April 2019 until I saved $1600.00 from Kemper Insurance.

    Also, I had 2 cars covered plus homeowners insurance, I was sent the Right Track device for my 2 cars I only was insured with Liberty for approx. 4 months.

    Previous to going with Kemper I found out that the agent I had with Liberty was no longer employed by them.

    This I found out from a 2nd source. I then contacted Liberty who was servicing my accounts.

    The answer I received was they had no idea. I then told them that this was a bad issue since nobody contacted me saying the agent I had has left the company.

    This is a very poor way of showing how their customer service works.

    Now on March 16, 2020, I received a letter on where are the devices that should have been returned of which I sent them back in April 2019.

    I truly will never use this company again and I would stay away from them.

    Also, I have a bad experience with New York Central Insurance which took me for a ride at an extremely high rate.

    I am very happy with Kemper Insurance and would recommend them in a minute.

    I told a friend and he went to talk to this same agent at Kemper and save $600.00.

  2. I just completed Liberty Mutual’s Right Track Program, and it is 1000% a scam.

    The 10% discount that you are offered for entering the program is an “introductory discount,” meaning that if your driving earns you a 10% discount following the completion of the program, you don’t get an additional 10% subtracted from your policy.

    The 10% discount will replace the introductory 10% discount, so no additional savings for you.

    During my time with the Right Track device installed in my car, I found myself driving unsafely, in order to avoid getting dinged for hard braking.

    I found myself avoiding highways, freeways, expressways, and parkways so that I wouldn’t get a hard acceleration ping while merging from the on-ramp/acceleration lane.

    The only way to get a good discount is if you don’t drive your car for 90 days, and even then, I’m sure they’ll find some way to NOT give you the discount.

    • That’s funny cause I parked the car for the whole period…got a 25 %.

      I drove little trips 1 or 2 miles away and the 1st time drove the car to the supermarket they dropped my percentage 7%.

      It is a scam but I found a way to beat them…

  3. Has anyone had an issue with Right Track saying your phone battery is low when it is fully charged?

    • Yes, it is because of any type of power save mode but it will still track your trips and mileage just without any location data.

      I just switched to them because root kept raising my rate every time I turned around.

      I took a vehicle off of my policy for a few weeks because my fiance had blown a tire and needed a vehicle so I added the vehicle we had just bought to the plan.

      It was originally not going to be added because we were flipping it for a profit and only kept it long enough to get the title in the mail.

      My rate for root with this switch went up 50 so it was almost 300.

      Now I am doing the RightTrack thing before I saw these reviews and I noticed that there are a lot of “ok” trips that are showing times early in the morning when I know I was home.

      I am thinking maybe it is a time zone error somewhere but the app settings don’t show a way to fix it.

      I submitted and issue report so we will see what happens.

  4. I am a 71-year-old retiree. Been driving since I was 16.

    I just finished the Right Track program and got about $4 more than the initial discount.

    My issue was that at least 3 times during the monitoring period, my savings went over $300 per year.

    And EVERY time I got that much, I would get knocked right back down to less than $250.

    And it would be for the same 4-mile trip that I make a few times a week.

    Clear weather, dry pavement, nothing different.

    Glad to be done!!

  5. RightTrack is not a scam, it is a bait-and-switch advertising scheme. When you get a quote from Liberty Mutual, it will probably be significantly more expensive than you current automobile insurer.

    However, you are lured into believing that you can get a considerable discount if you are a safe driver.

    The RightTrack uses how fast you accelerate and decelerate to determine if you get dinged for rapid acceleration or hard braking.

    Sound like a good idea. But what are the parameters?

    The RapidTrack device contains an accelerometer. It measures the change in your rate of speed. The ‘hard limits’ are set at a rate of change of 7 miles per hour per second.

    So what does that mean? If your rate of speed goes over this limit, you will get ‘dinged’ for either rapid acceleration or ‘hard braking’.

    For example, suppose you accelerate from a stopped condition to 35 miles per hour. If you do so in less than 5 seconds, you get dinged. (35/7 = 5).

    Likewise, if you are going 35 miles per hour and you come to a complete stop in less than 5 seconds – you just got ‘dinged’ for ‘hard braking’.

    How about trying to come up to speed on an Interstate. You enter ramp at 25 mph and need to merge with traffic at 70 miles per hour or you are in an accident and get creamed.

    If it took you less than 6 1/2 minutes to merge safely, you just got dinged for rapid acceleration.

    Likewise, if you leave the interstate and come to a stop at the stoplight at the end of the off ramp in less than 10 seconds, you just got ‘dinged’ for ‘hard braking’.

    How does this compare with the real world?

    — Vehicle Acceleration and Braking–

    Maximum braking depends on vehicle weight and tire traction, width and diameter. Maximum vehicle acceleration depends on tires and horsepower.

    Top of the line production muscle cars can go from 0 to 60 mph in 5 seconds.

    Average acceleration is 60 mph per 5 seconds which equals 12 mph per second and equates to +0.55 g’s.

    Adaptive Cruise Control systems, vehicle radar, automatically brake when approaching other vehicles. Maximum braking varies from -3 to -5 meters/sec2 (-7 to -11 mph/sec), or about -0.3 to -0.5 g’s.

    Hard braking occurs around -0.55 g’s

    Deceleration g’s\g’s mph /sec Braking
    0.30 6.6 Safe
    0.35 7.7 Safe
    0.47 10.3 Average Driver Max
    0.62 13.6 Reasonably Skilled Driver Max
    0.66 14.3 Skilled Driver Max
    0.70 15.4 Vehicle Max
    1 21.9

    So what does this all mean?? It means that Liberty Mutual’s RightTrack device is designed to make sure that average ‘safe drivers’ don’t get the discount they are led to believe they will get.

    Remember the 3-second rule you learned in driver’s ed? Forget it.

    If you are on the interstate going 70 miles per hour, you need to stay at least 10-seconds behind the car in front of you.

    Try it and see what happens. With that whopping big gap between you and the car in front of you, cars will invariably pull into that gap meaning you need to slow down so another car can pull into the gap, etc.

  6. They start you with a 10% discount when you start the program.

    Then after 30 days, you get your actual savings rate, which almost certainly will be less than the 10% discount you started with.

    We earned less than 10% on each of our 3 cars (5%-5%-8%) so our monthly cost went up about $6 over the initial savings.

    • I think it’s 90 days not 30 days….

  7. ROFLMAO! … All you people saying “scam scam scam and lawsuit against LM, outrageous excuses why you didn’t get enough savings if any.”

    If you grew up in the 70s watching the Brady Bunch “Marcia Marcia Marcia” you know what I’m talking about.

    Ask ANY CDL-A driver like myself driving with a MUCH MORE!

    pahscatated equipment called a “Tattle Tale” makes hard breaking, accelerating and driving at night look silly!

    Bottom line you didn’t know what you’re doing and now your upset!

    Come on people take a good hard look at how your driving just “sucks”…

    I’m still in my 90 day period so far it’s a cake walk! Experience is paying off! …

    Marcia! Marcia! Marcia!

    • Where are you from?

    • I’d like to know this joker’s savings when it’s all said and done.

  8. We saved 5%, which is $7 a month.

    Hardly seemed worth the effort based on the good scores we had.

    I would not waste my time on the program.

    • I agree.

      Plus what they are not telling you is if you have homeowners insurance with another company that insurance will rise because you don’t have car insurance with that company any longer.

      Savings will be eaten up. SCAAMM!

  9. 20 days into Rite Track with LM, 30 yrs safe driving with a CDL – A.

    I have to say I’m laughing at the comments, complaints about it all.

    The last 3 yrs or longer I drive with a “tattle tale” every day.

    Rite Track being a cake walk! Having said that YES! you do have to drive defensively at every moment!

    Additionally driving as if your life depends on it is simply put!

    I’m not saying it’s easy however and clearly the negative comments are from people who just think they are driving safe.

    BUT the bottom line is Rite Track is teaching you how to “dive safe and as if your life depends on it”.

    I will be back in 70 days with my conclusion of Rite Track and how I finished with my 90 days of my safe driving results.

    • You will find out what a scam you’ve enlisted in.

      Your initial discount will shrink.

      Their initial rate was higher than the policy I dropped.

      I only tried it because I was thinking they would be lower at the end of the trial period.

      It didn’t work out even though my driving did not record poor driving habits.

      HUGE SCAM!!

      • You sound like a cry baby that didn’t know what your doing.

        As I stated I drive with state of the art “Tattle Tale” every day with an excellent driving record and endless safety awards over 30 years.

        Get over yourself!

        • Your a joke I have a CDL and drive safely been in the business for over 40 years.

          Never had an accident or ticket. I got a 5%discount.

        • He is actually correct. It is a bait and switch program.

          The entire time we had the devices in our vehicles we went from a starting discount of $93 and ended at $157.

          Liberty Mutual then contacted me stating that due to our poorer performance our discount will drop on one vehicle to 7% but stay the same on another.

          That with the understanding that the program was awarding us a greater discount.

          Contacted Liberty many times and they either ignored our emails or wouldn’t answer how it’s possible or logical to see an increase the entire time on their app, a 68% increase then to be told that your discount is being reduced.

          Filing a complaint with the state’s insurance commissioner. I recommend everyone to.

          This bait and switch is illegal. Needless to say, I’m canceling all my policies with Liberty.

          If they have no integrity in a silly discount program what else will they lie about?

    • Curious what your discount rate ended up being Mr. CDL. Been well over 70 days.

      • I ended up saving $385.00 and thats rite I am Mr CDL!

  10. Just wanted to make sure my two cars devices are recording data and trips.

    Can you confirm their operation?

  11. Right Track is a SCAM I don’t drive much and I got a 5 percent discount I never drive at night no fast accelerations or hard brakes…

    My husband, on the other hand, got a 7 percent discount. He drives way more than me and always accelerates.

    They get you in with the discount and from what I am seeing it goes down on 99% of the people who used it

  12. I have 4 more days with my Right Track and I can’t wait to take it out.

    I live in Phoenix and have 11 hard braking events.

    They ding you for actually stopping for a yellow light instead of blowing through it.

    If someone pulls out in front of me what am I supposed to do?

    Hit them so I don’t get dinged?

    I find myself driving like an old lady.

    Afraid to accelerate getting on the freeway, watching for yellow lights so I don’t brake hard to stop for them.

    I have never had an accident that was my fault in over 50 years of driving.

    This thing dings you for being a good driver and not actually running red lights and hitting someone that pulls out in front of you or stops on a dime in front of you.

    Can’t wait to be done with it.

    • I know what you mean, but you have to realize that they aren’t calling you a bad driver necessarily, but are basically recording the risks you (and consequently they) face.

      I had a similar incident, some yocko tried to go straight from the on ramp to the passing lane, passing the car that was ahead of him on the ramp – except I was already where he wanted to go!

      I thought for sure he was going to put me into the barrier.

      And I get dinged for a hard braking, and it certainly isn’t my fault – as a matter of fact, I was a darn good driver for being able to avoid the collision.

      But again, they are looking at the risks you face that force you to brake hard, regardless of fault; and there is a statistical correlation out there somewhere that gives them an idea of the discount they can afford to give you based on these two parameters.

      Based on my current collision and liability premiums, I’m at 22.8%, and yes, I make grandpa look like a reckless maniac with my current driving!

      ($122 discount, $534 liability + collision).

      Go EASY on the acceleration.

      I actually called them about this as I got dinged a couple of times where it seemed impossible, and apparently I’d just beat the threshold.

      Hard acceleration is worse than hard braking, for obvious reasons.

      • Honestly! I have to come to a Very slow rolling stop!

        The device algorithm is most definitely off.

        I have another driving app rating my driving at 99.4% for braking and acceleration and speeding.

        It never dings me but right track does!

        I don’t brake hard or accelerate fast. Never have.

        In fact, my gas mileage has decreased from 40mpg to 36mpg from taking so long to get up to speed limit.

        And I’ve still been dinged for acceleration.

        More power to you if your device has an accurate algorithm.

        But only a small percentage of drivers will get one that’s accurate.

        6 more weeks to go…and can turn this one in. Gladly.

        If my rates go up then we will find another insurance company.

    • I am in total agreement.

      I work overnight shifts that start at 1 am so off the top I am getting 15% of my drives at OK at best.

      But just today driving on the baseline in Phx, I was driving 45 and saw a yellow 100 yards in front of me…

      I stopped as slowly as I could in the 100 yards and got dinged for a braking event!

      Just to avoid dings I have run two REDs since stopping for the yellow or a hard acceleration would ding me!

      They need to take into account your speed and the stop. Not just how hard you stop.

      It is reasonable to brake more severely when driving 70 on the freeway in a 70-mile zone and you hit a traffic jam.

      The system is rigged to give you only a couple of dollars monthly discount in the end in exchange for basically eliminating the chance you will EVER cause an accident.

      It’s not worth blowing through yellows (or reds if you get a short yellow) and quick dangerous lane changes just to avoid a “braking event” just to save a few dollars a month.

      If you really want to save, shop insurances and tell the next company how much you are paying and ask them to beat the rate.

      We do this every year or 6 months as soon as one company gives the annual rate increase and stay about the same rate all the time.

      • Robert there is NO! excuse for running yellow and or red lights.

        To help you with this you need to increase “your space management” and “following distance”.

        Both space management and following distance will ALWAYS! keep you from hard braking.

        You’re getting this very good advice from a 30 year CDL-A driver with 3 million safe driving miles.

        Unlike some drivers, I care about MY SAFETY AND OTHERS!

        So reading your comments hit home for me!

        Took me YEARS and YEARS driving through everything you can think of to get me so good as a commercial (CDL-A) driver with a “Tattle Tale” so that’s my advantage.

        Bottom line … Safe driving habits are very easy once you decide to drive as if YOUR LIFE DEPENDS ON IT!

        • Track Right is a SCAM.

          I only drive 3x a week about a mile to a park and ride, and once a week shopping about 7 miles one way.

          I was getting 30 hard stops a week, which is total BS.

          Basically, every time I came to a full stop, it was marking it as an extreme stopping event.

          Total BS.

          Since some people are getting it, and some aren’t, I have to assume that the device is using the wrong algorithm to calculate the stopping rate or maximum stopping rate, so that little grab you get when you come of a full stop is getting marked as an extreme stopping event.

          Or maybe it is because some vehicles report in KM and some in US Miles, and that means that the ones that are metric are reporting higher.

          I don’t know why, but the extreme stopping events reported are total BS.

          • It is the algorithm!

            If you are one of the fortunate ones to get a device with correct algorithms good for you! We did not.

            I also have another driving app running after my suspension that RightTrack was purposely dingy things that did not happen.

            The other app has given me a 99.4% driving rating while right track has me at just ok.

            And for some unknown reason, the discount just drops $20 at a time???

            I reported the discrepancy to them and they admitted it was the algorithm.

            So there you have it. Some will get a good discount and others won’t.

            It’s all a scheme to draw in customers.

  13. Just finished the right track program with primarily “greats” with all drivers; however my end discount = 8%.

    When I called and asked how calculations are made to determine discounts based on my data supervisor could not answer.

    If you get 90% plus Greats one would think the discount would exceed 10%.

    After the 90 days, you can’t retrieve your data.

    After 30 years with LM, I think the company has hurt its image.

    I will tell all my friends about this SCAM.

  14. I believe that people have totally misinterpreted rate increase and reduction on discounts.

    When someone signs off for the device, Liberty Mutual gives you the most discount upfront, assuming the driving record will reflect that percentage.

    However, when one does the contrary, the discount reduces as per the driving habits.

    This is not a rate increase.

    Furthermore, there would be no difference before the next renewal which is in a year.

  15. Really disappointed in the Right Track program.

    I signed up and was given the 10% discount and told that my rate could not decrease.

    After driving for almost 3 months, I was at a pretty good savings rate when all of a sudden my discount was decreasing daily in the last week of my Right Track period.

    I literally went from an average of $150/year savings down to $114 without changing my driving habits AT ALL.

    All of my ratings were “Excellent” or “Good”, 0% nighttime driving.

    But for some unexplained reason my discount was affected significantly and resulted in a 6% discount.

    Since that’s less than the 10% discount I received for enrolling, my premiums have now increased.

    Liberty Mutual offered me a very good rate when I signed on, but in the subsequent 4 months I’ve been with them, they’ve increased my rates twice, and the yearly premium isn’t nearly as enticing as when I joined.

    Kinda feels like a scam.

  16. The thing about the right track is that if you sign up for the program they give you a 10% discount.

    We signed up 2 years ago and never received the device.

    After 24 months they removed the discount.

    I called to complain and they signed me up again.

    As it stands there is a 4-6 week wait to receive the device.

    I live with a newish driver and a teen driver.

    I feel like there’s NO WAY this device can help me.

    I’m better off sticking with my 10% discount and not plugging in the device.

  17. I just finished the program with 3 cars and was surprised at the outcome.

    It’s predictable and accurate.

    19% on two vehicles and 14% on my daughters due to her being a rammy young driver – well, she got docked for fast stops and starts.

    I will comment that the 30% discount is attainable if you do not drive your vehicle.

    I had 30% until I actually started driving it, and the highest I could reach without having any penalties was 20.

    Ended up with 19 overall. And, happy with the outcome.

    • Way to go man!

      I was starting to think I would be the only one having a really good experience with Rite Track.

      From 30 YR CDL-A DRIVER

    • I got 25 and parked the car for 3 months…only once a week took it for like a 2 mile ride around the block

  18. Concerned with software running right track.

    I am enrolled and doing ok but had questions about a recent trip results.

    Going I received a great on the 1st leg and ok on second.

    Returning I paid close attention to braking and acceleration and used cruise control, received the same results.

    Called Right Track to check results and why recorded as such.

    The software has many potholes.

    Works terrible with cruise control, does not take into consideration topography, manufacturers software for cruise control.

    Braking is flawed, never will get a great even if you cost to stops.

    The intent of my call was to determine what was causing dings.

    Resolution person (Justin) was arrogant and lectured that I should have viewed the app.

    Ended conversation stating if you don’t like the program pull out and we will take back our discount.

    After 40 years with Liberty, I am surprised by the new customer service folks.

    They missed my concern .. how to do better.

    Very disappointed with program and Justin attitude.

  19. I would agree with the majority that the device/program is a scam.

    In my nearly 20-year driving history, I’ve never had a single accident that was the fault that hit my record (I clipped a car when I was 17 and paid for their repairs in cash).

    In general, I would say I drive aggressively, but not unsafely.

    With the RightTrack installed, I’ve been driving in outright grandma-mode.

    Incredibly slow acceleration at lights and stop signs.

    I’m looking way ahead to look for stopped vehicles, vehicles turning, or traffic signals that could stop me.

    Out of nowhere, this thing will “ding” you for no reason.

    Your discount will start out looking great, but your discount drops for practically starting your car.

    It’s a shame because, on principle alone, I’ll probably drop them at my renewal.

    Had they not signed me up and tied my rate to this deceptive tech, I might have stayed with them.

    But because I feel like they’re trying to play games, I’ll go back to Geico and skip the gimmicks.

  20. We have the ODB port model running in both cars.

    After using Safeco RightTrack, I have a real problem with their extreme event bars.

    Both of us are very safe, conscientious, drivers.

    We both have recorded one and only one extreme acceleration event.

    Fair enough, that was getting on the freeway from a metering stop.

    The braking, on the other hand, is downright inaccurate.

    It seems that just about every time EITHER of us comes to a complete stop, it is marked as an extreme braking event.

    I only drive 2-3 times a week because I work from home 3 days a week, and I only go 3/4 of a mile to the park and ride.

    I was pegged at 16 extreme braking events.

    My wife, who drives on an irregular basis but nearly every day, got 53 extreme braking events!

    My fear is that even though we did get a discount if either of us ever gets in an accident, the Safeco will deny the payment saying that we are unsafe drivers based on the braking RightTrack data.

  21. Right track is a total scam! It is a marketing tool used to increase rates.

    Our rates increased because we drive locally (not freeway driving) resulting in natural braking events.


  22. I’ve got the ODB port model running now, and I’d say that it’s quite accurate.

    I’d rather it not be, but it is.

    The only time it has tripped is when I have truly braked a bit hard, or went to pass and hammered the accelerator.

    Right now – numbers sit at around 16-20 for me.

    The way I have it figured, you start with 20 percent discount, and as you drive you lose it with braking, acceleration or nighttime driving events.

    That’s how it has been for us. I think the number of miles driven through the period hits against you too.

    I figure you can get 20% if you park the car and never drive it.


  23. Scam and very misleading I was told twice before beginning the program that I will save money on my monthly payments will NOT go up

    it is only to save money but that is not what happened.

    My bill went up $4 and the explanation made no sense at all.

    Even spoke with a “resolution agent” and she even agreed it should be explained thoroughly before signing up and they have some fixing to do yet did not offer a resolution.

    I will be canceling my car insurance soon as I finish researching another company who does not mislead and lie to their customers.

    And if you work 2nd shift that requires you to get off at midnight you really in for a treat.

    • Here is how the so called scam comes into play.

      Depending on how many miles “YOU TOLD LM YOU DRIVE” and then YOU! exceed those miles you get dinged for it.

      Added into play is the hard braking, accelerating and night time driving.

      Other than that its NOT A SCAM!

      Take it for what its meant for and DO YOUR HOMEWORK!

      instead of all the wine wine wine!

      Or just not a safe driver.

      Let’s see if LB actually posts this.

      • Why is it that all the CDL drivers responding to our reviews in a negative way……

        like chill and go read something else!!

  24. Liberty Mutual Right Track is a scam.

    The agent told me I could save up to 30 percent.

    My savings started at 104.00 and eventually went down to 82.00.

    I found out this was a savings of 8 percent.

    They didn’t mention that the insurance premium quote was a so-called 10 percent savings from what I would have paid if they didn’t give me in the initial cost.

    Therefore at the end of the program instead of saving 8 percent after the 90-day trial, the premium actually increased 2 percent plus a 2 dollar fee for administration costs.

    To add insult to injury this was higher than the premium I was paying the insurance company I was with before switching to liberty.

    What a huge mischaracterization. HUGE SCAM!!!

  25. Piece of junk. I’ve been pinged several times for ‘hard-braking’.

    All pings occurred while I was stopped at a traffic light, took my foot off the brake momentarily then pressed brake again.

    The car had moved forward less than two or three inches.

    The device was probably designed by a group of high school dropouts and never tested in a real car on a real road.

    Does not give a realistic account of one’s driving.

  26. The Righttrack device is a piece of junk.

    As a retired electrical engineer with 40 years experience designing systems ranging from medical implant devices to aircraft avionics and ground-based navigation devices, I’d say this is the sorriest excuse for an electronic acceleration/braking device I’ve ever seen.

    It cannot detect the difference between braking and hitting a small bump or depression in the roadway.

    I’ve been dinged numerous times for ‘hard braking’ even when I go through an intersection on a green light without even changing speed from 25 mph – never pressed the accelerator to increase speed or put foot on brake.

    Get dinged for ‘hard braking’ even in parking lots if I hit a small pothole while traveling at speed of less than 2.5 mph.

    Obviously, the device was never tested on a real automobile driving on an actual road.

  27. The program says you get pings for hard braking, which if you barely brake, you get a ping.

    Sometimes you need to brake a little to avoid an accident, but you get a ping anyway.

    The device is not a true driving picture. I can understand the acceleration ping as you do have more control over that. And night driving, but not the braking.

  28. Contrary to your positive rating remarks, the program is completely unpredictable in application. You cite LB penalizes you for consistent hard braking or hard acceleration. NOT true. Get one hard brake and your discount savings goes down.

    No positive marks for not driving at night as explained. We started with a $200 initial savings. We’re down to $80.00 in our last thirty days of the survey. If you call or email to have some function or reason explained, you get consistent “robot” responses.

    Look at how they explain the customer customer complaints at the Better Business Bureau. All cut and paste with no explanation.

    The LB management has found out if they respond to a complain in any way, shape or form, the will get a good rating from the BBB.

    All because they responded, but their response has no meaning and absurd. A class action suit should be filed against LB for using this vague marketing tool.

  29. “There is no risk of an increased rate for using RightTrack, no matter what the device records.

    There are a few companies that will increase rates for drivers who display dangerous driving habits, but Liberty Mutual is not one of them.”

    This is not true! My husband and I finished the program and our premium was increased immediately.

    Moreover, when we questioned the RightTrack representative about the results and increased premium, she hung up on us.


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