Liberty Mutual RightTrack® Review & Complaints

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 installation is very simple, and the RightTrack device monitors driving habits like hard braking. Your RightTrack discount is calculated 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 place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 29, 2021

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Liberty Mutual RightTrack Overview
RightTrack
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. With Liberty Mutual RightTrack, policyholders have a chance to earn a discount of up to 30 percent off their car insurance premiums with their safe driving habits.

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

Before jumping into this RightTrack review, you can begin with our free tool above to compare car insurance rates.

Liberty Mutual RightTrack auto insurance rates may be hard to estimate before you try the program, but you could save right now. Enter your ZIP code to find affordable car insurance quotes.

What is Liberty Mutual RightTrack?

What does 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 the insurer 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 save 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.

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.

To learn more about Liberty Mutual, read our Liberty Mutual insurance review.

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How much can I save with RightTrack discounts?

How much do RightTrack users 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 Car Insurance Rates
Liberty Mutual RightTrack ProgramAverage Semi-Annual Liberty Mutual
Car Insurance Rates
With RightTrack$448–$608
Without RightTrack$640
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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 of 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 rates.

The insurer also offers a multitude of other discounts. Among them is the Liberty Mutual driver training program. Offered with SafeDriver.com 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 Car Insurance Discounts
Liberty Mutual DiscountsPotential Savings
Vehicle Recovery35%
Driving Device/App30%
Good Student22%
Anti-Theft20%
Multiple Policies20%
Defensive Driver10%
Driver's Ed10%
Federal Employee10%
Further Education10%
Green Vehicle10%
Membership/Group10%
Multiple Vehicles10%
Occupation10%
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%
Newlyweds5%
VIN Etching5%
Military4%
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 does Liberty Mutual RightTrack work?

The process for using RightTrack is pretty simple. The steps are:

  • Enroll in the program
  • Set up your device and app
  • Drive while the device is on so that the device can evaluate your driving habits
  • Return your device after the time period is over
  • Get your discount

So what does 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 RightTrack 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 rate for each car. Similarly, each driver will need to download the app and connect it to the Liberty Mutual RightTrack 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.

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What does Liberty Mutual RightTrack monitor?

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.

Specifically, what does RightTrack monitor?

The telematics device that is used for the RightTrack program collects the following data:

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

Does 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 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 driving. 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 is information gathered by RightTrack 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.

How do I 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 and makes the RightTrack device installation a breeze. 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 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 do I cancel RightTrack?

If you decide you don’t want to participate in the program, you can simply contact Liberty Mutual and let them know. You can contact them on the website or at 1-800-295-2820.

How does RightTrack stack up?

RightTrack is similar to most other programs in terms of data recorded and the overall approach to calculating an insurance policy 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.

The company 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 rate 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 insurance policy 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 car 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 rates.

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 Car Insurance Rates by Driving Record
CompaniesAverage Annual Rates with Clean RecordAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One AccidentAverage Annual 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.

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.

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What is the bottom line?

RightTrack is a simple program that has no real risk. Drivers can earn, at the very least, a 5 percent discount off their insurance rate 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.

Shopping around can help you find the best insurance companies for you at the rates you want.

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. While Liberty Mutual RightTrack quotes are hard to estimate since it depends on your driving, you could find a better deal on car insurance right now. Just enter your ZIP code to compare free quotes online.

References:

  1. https://content.naic.org/cipr_topics/topic_telematicsusage_based_insurance.htm
  2. https://crashstats.nhtsa.dot.gov/#/

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