If you currently have auto insurance through Liberty Mutual and are looking to save money on your policy, several options are available. Speaking with your insurance agent to see if you’re eligible for any insurance discounts is always good advice, but what if you want to save even more on your insurance policy?

You don’t have to opt for reduced coverage amounts just to lower your premium, as Liberty Mutual offers current policyholders a program designed to help them save money just for engaging in safe driving. RightTrack provides several different options depending on the state you live in. It’s just one of many ways that Liberty Mutual is positioning itself as one of the most popular insurance companies around.

Policyholders looking for cheap car insurance don’t need to spend a lot of time looking for low insurance premiums. Insurify offers the ability to compare prices with just a few clicks of your mouse. You can see how Liberty Mutual insurance compares to other auto policy options and discover which one is right for you.

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Liberty Mutual RightTrack: What is it, and how does it work?

What is Liberty Mutual RightTrack?

Liberty Mutual’s RightTrack program is designed to help those with great driving habits save money on their insurance coverage. Depending on the state you live in, you might enroll in the RightTrack Tag program, the RightTrack Plug-In program, or the RightTrack Mobile program. All three of these options utilize telematics in an effort to offer you a premium discount.

Telematics

What exactly is telematics? Based on telemetry, which includes speed data, location information, and more, Liberty Mutual can assess your driving habits in one of several ways. Whether you enroll in the Tag, Plug-In, or Mobile program, information, including hard braking, rapid acceleration, and nighttime driving habits, will be recorded and sent to Liberty Mutual.

How it works

Though slightly different in design, all three options work the same way: Liberty Mutual can assess your safe driving habits throughout a 90-day review period. Policyholders are offered an initial discount at enrollment; then, your final discount is calculated after you’ve utilized the service. If you’re considered to be one of many safe drivers on the road, this program can help you save a significant amount of money over the life of your policy.

Liberty Mutual RightTrack works for motorists who provide accurate information and use the device while going about their regular driving routine. However, some try to cheat the system by letting others drive their car or altering their schedule to drive less at night. Ultimately, this will catch up with them in one way or another and could be considered fraudulent activity in some states.

What does RightTrack record?

The idea of a GPS tracker in your car can be off-putting at first, but Liberty Mutual doesn’t record every element of your life on the road. RightTrack only collects the total number of miles driven, braking, acceleration, and nighttime driving.

How is your information used?

Not only does Liberty Mutual Auto collect your data in the hopes of offering a RightTrack discount at the end of 90 days, but it also may rely on your information for research purposes. Liberty Mutual will never use the data collected from the RightTrack device to determine your policy eligibility, meaning you won’t wake up to a cancellation notice or a nonrenewal for merely participating in the program.

Am I eligible for Liberty Mutual RightTrack?

If Liberty Mutual is your current auto insurer and you drive a relatively new vehicle, you’re eligible to participate in RightTrack. Most states require your car to be at least a 1996 model or newer to be compatible with the program.

Liberty Mutual RightTrack Costs and Discounts

Most individuals jump at the idea of a small device saving them money, as RightTrack is entirely free to participate in. You’ll receive an initial discount on your current policy term and then may receive up to a 30 percent savings after Liberty Mutual analyzes your driving data. This discount is applied to each policy term as long as you’re a Liberty Mutual customer.

Liberty Mutual RightTrack: Step by Step

1. Enroll

Based on the state you live in, enrolling in RightTrack might look one of several different ways. First, visit libertymutual.com to opt into the program. It’s free to join and is available to most Liberty Mutual customers.

2. Setting Up Your Device and App

RightTrack uses one of three different programs based on the state you live in. You might utilize a tag, a small device affixed to your windshield near your rearview mirror. Some customers might be sent a plug-in device that’s inserted into the OBD port of your vehicle. Still others might simply need to utilize a mobile app that tracks driving habits. The tag device, plug-in, and mobile options all work in conjunction with the RightTrack app for easy monitoring of your data.

3. Evaluation Period

Liberty Mutual Insurance Company offers drivers a 90-day review period during which the RightTrack program records their driving behavior. If you choose to end your participation in the program before this review period, you won’t be penalized.

4. Returning Your Device

Returning your tag or plug-in is easy, as policyholders are sent a box for shipping. It’s essential to return the Liberty Mutual RightTrack monitor at the end of the review period because it’s not designed for continuous monitoring past 90 days.

5. Receiving Your Discount

Perhaps the easiest part of the RightTrack program is enjoying your savings, as Liberty Mutual will determine your discount based on your driving. Drivers often save anywhere between 5 and 30 percent on their premiums after the evaluation period is complete. You can always find RightTrack in your smartphone’s app store and track your savings over 90 days as well.

6. How to Cancel Liberty Mutual RightTrack

If you’ve changed your mind and want to cancel your participation in RightTrack before your evaluation period ends, simply contact Liberty Mutual. Your initial discount will be removed, and your policy will be adjusted to reflect the change.

Liberty Mutual RightTrack: Is it worth It?

By and large, Liberty Mutual customers tend to love the benefits that come along with the RightTrack program. It’s easy to use, doesn’t require you to change your driving routine in any way, and can provide you with substantial savings on your auto policy.

Pros and Cons

The RightTrack program is one of the shortest in the industry, analyzing your driving habits for only 90 days before offering discounts over the life of your policy. You can check your own driving behavior conveniently from your smartphone using the mobile app and won’t get penalized for poor driving. Even if your 90-day review period is full of hard braking and rapid acceleration, the worst that will happen is you will receive a smaller discount than expected once you’ve completed the program.

However, as great as the program sounds, it’s not entirely flawless. Sometimes, the time of day you drive is unavoidable. So, if you have to venture out at night often, you might not save as much money as you’d like. It’s impossible to be a perfect driver all the time, and the RightTrack program will certainly track every time you aren’t.

Furthermore, some individuals are concerned about privacy and don’t like the idea of Liberty Mutual collecting their data. While Liberty Mutual expressly states that telematics is not used for location tracking, some are skeptical.

Liberty Mutual RightTrack Reviews

Overall, customers have great things to say about the RightTrack program. Not only can it help offset the cost of base coverages for your vehicle, but it can make a huge difference toward your overall premium if you also have homeowners or renters insurance through the company. Many describe the program as very easy to enroll in and state that they’ve saved hundreds of dollars.

Not everyone is as pleased, though, as some policyholders claim that the tracking device is far too sensitive to acceleration and braking. They feel that Liberty Mutual doesn’t consider that sometimes less-than-perfect driving behavior is unavoidable. They don’t think it’s fair for their discount to be affected by these minor instances.

Liberty Mutual RightTrack Contact Information

You can enroll in RightTrack online by visiting www.libertymutual.com or calling 1 (800) 295-2820.

Liberty Mutual RightTrack FAQ

Is RightTrack worth enrolling in?

Most Liberty Mutual customers find that they save between 5 and 30 percent after using the RightTrack program. There’s no cost to enroll, and you won’t be penalized for poor driving habits.

Can I trick the device into giving me the maximum discount?

From having other people drive your vehicle to using a completely different car from the one listed on your policy, there are several ways you can try to trick the RightTrack program. However, Liberty Mutual uses sophisticated technology and can revoke your discount if you’re found to be cheating the system.

Where can I find other cheap car insurance?

Current and prospective Liberty Mutual customers can explore auto insurance quotes with ease by using Insurify. Simply answer a few questions, and you can compare prices from multiple carriers at once.

Conclusion: How to get the best and cheapest car insurance

Those looking to save money on car insurance don’t need to spend a lot of time doing research. Liberty Mutual makes it easy to save up to 30 percent just for driving safely. If you’re not pleased with its coverage as a whole or you’re not currently a Liberty Mutual policyholder, don’t worry. There are a variety of options available to you. 

Head over to Insurify, where you can compare car insurance quotes from multiple insurance companies at once and find the best coverage for your driving needs.

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Updated April 26, 2021

A former licensed insurance producer, Courtney Levin has been a freelance writer since 2016. She graduated from Sonoma State University with a degree in Communications and has been creating content for Insurify for nearly two years.