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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. It 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.
RightTrack has been around for a while and has gone through some changes, as most similar programs from other companies have. 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 actually 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.
This new system allows Liberty Mutual to offer the program all cars regardless of year, make, or model. The program is not offered in all states, but the website doesn’t actually list which states do have access.
Liberty Mutual records much of the same information as other usage-based programs, and at the end of the evaluation period, gives the driver a discount based on their driving habits. During the information gathering period, drivers get an enrollment discount just for signing up.
How RightTrack Works
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 its own device if you are looking to earn a discount on that car’s premiums. 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”, which prevents date from being collected if someone else is behind the wheel. It is not required that every driver in the household have the app, so if you do not want an occasional driver’s habits to affect your discount, that can be avoided by setting the app to passenger or not running it on that driver’s device.
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 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 days and returned the device, that is the end of the program; the discount is applied for the life of the policy. Some usage-based programs run on an ongoing basis, providing the opportunity to earn even bigger discounts – along with the risk of a smaller discount – but RightTrack only runs once, and for a relatively short time period. Some other programs run for up to six months.
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 in order to improve upon the final discount.
Drivers can choose to stop the program at any time during the 90 days but will forfeit the enrollment discount.
What RightTrack Records
Through the dashboard device and the app, RightTrack records a number of things:
- Number of miles driven
- Time of day
- Speed of acceleration
- Speed of braking
- Vehicle location
All of this information can be viewed by the driver in the RightTrack app, where is its listed on a per-trip basis.
How Information is Used
The only piece of 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 system 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.
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 site does not specifically state what that discount amount is, but other sources list it as being as 5%, which makes sense given that is the minimum discount offered through the program.
After the data collection period, drivers can earn up to a 30% discount. While this is the promised top-end discount, it is difficult to get anywhere near that level. That is the case with all of these programs, however, in which an impressive sounding discount is offered. Most drivers – in most of these programs – earn a discount in the range of 10-15%. As we’ll discuss a bit further down, Liberty Mutual drivers appear to earn discounts that are a little higher than average.
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 requalify, but there is also no way to try for a bigger discount.
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.
As with all of these programs, the discount doesn’t apply to the overall premium, but only to certain base coverages. These include liability and collision coverage, parts of the policy in which driver safety habits have an impact on the likelihood of a claim.
Eligibility 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.
In order to connect the device to the app, a smartphone is required with the appropriate operating system and both GPS and Bluetooth capabilities.
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 in order 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.
How RightTrack Stacks Up
RightTrack is similar to most other programs in terms of data recorded and the overall approach to calculating a discount.
The discount available is not as high as that promised by other companies, where the top end is as high as 40%. Since we have yet to come across a driver that reports getting the top end discount from any company, the difference in these numbers does not matter much.
Liberty Mutual offers a minimum of a 5% discount to all drivers in the program. That differs from some companies, where it is possible to earn not only no discount at all after the program period but in rare cases even see a premium increase.
Although the average discount earned from most companies is between 10-15%, reports from Liberty Mutual customers using RightTrack show discounts in the 15-20% range, a little higher than with other companies.
Aside from Safeco, Liberty Mutual is the only company we have come across 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 (or at least for the life of the policy), but also means not as much time to impress the system, so to speak, with improved driving habits.
The Bottom Line
RightTrack is a simple program that has no real risk; drivers can earn at the very least a 5% discount, likely even more. While it is probably not going to be the reason anyone switches their car insurance to Liberty Mutual – especially 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.
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