Liberty Mutual RightTrack Program Review [2021]

You can save up to 30% on your Liberty Mutual RightTrack car insurance and get an extra 5% discount just for signing up. Liberty Mutual RightTrack uses an app, plugin device, or windshield tag to monitor your driving behaviors such as how far you drive and hard braking to determine your discount. You receive the discount on your Liberty Mutual RightTrack car insurance rates for life.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 23, 2021

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Here's What You Need to Know

  • RightTrack from Liberty Mutual can save you up to 30%
  • Get an extra 5% discount on your Liberty Mutual RightTrack car insurance rates just for signing up
  • Liberty Mutual doesn’t raise your rates if you drive poorly while using RightTrack

Liberty Mutual RightTrack uses different forms of telematics to monitor your driving behaviors and offers a discount based on how well you do.

Liberty Mutual is one of the top car insurance companies that offer multiple ways to save. Read our Liberty Mutual car insurance review to learn more about the company.

Although you can find affordable Liberty Mutual RightTrack car insurance, other top companies offer similar programs. Compare rates and ratings of various companies to see which is right for you.

Read our Liberty Mutual RightTrack program review to learn if this is your best deal. Before you begin, enter your ZIP code to compare free car insurance quotes from multiple companies in your area.

What is Liberty Mutual RightTrack car insurance?

RightTrack from Liberty Mutual is a telematics program that offers you a discount based on your specific driving behaviors.

While you can’t get a Liberty Mutual RightTrack car insurance quote, since discounts will vary by driver, you can save up to 30% based on your driving. You can also get a 5% discount just for enrolling.

RightTrack monitors your driving by different methods depending on where you live. You will either use a mobile app, plugin device, or windshield tag when you enroll in the program.

Your driving is monitored for 90 days to calculate your discount. If you have a plugin device or windshield tag, you will have to mail that in before your discount can be calculated.

Once your discount is issued, you receive it for the life of your Liberty Mutual car insurance policy.

If you score poorly with the RightTrack program, Liberty Mutual won’t raise your rates. However, you can’t try again if you don’t do well.

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What does Liberty Mutual RightTrack monitor?

The behaviors that are monitored by telematics will vary by company.

Liberty Mutual RightTrack monitors these specific driving behaviors:

  • Hard braking and accelerating – Braking or accelerating hard can be a sign of aggressive driving or simply not paying attention to the road
  • How far you drive – The more miles you drive, the more likely you are to be in an accident
  • Time of day you drive – Rush hour and late-night driving can also lead to more accidents

The complaints about RightTrack by Liberty Mutual are mostly because it can be difficult to get the full 30% discount.

Many drivers who try the program think it’s too sensitive. For example, there isn’t a way to tell the system if you are braking hard because you weren’t paying attention or to avoid the driver that just pulled out in front of you.

It is pretty surprising that RightTrack doesn’t monitor distracted driving. Distracted driving is a huge problem for drivers causing thousands of accidents and traffic deaths each year.

Is Liberty Mutual RightTrack car insurance worth it?

Liberty Mutual RightTrack doesn’t cost you anything and can save you up to 30% for the life of your car insurance policy.

Not only can you save money on your auto insurance, but you can also become a safer driver. According to the Insurance Information Institute, immediate feedback from a program like RightTrack can improve your driving skills.

Some drivers may be tempted to look for a Liberty Mutual RightTrack cheat to get the most savings.

There are really no Liberty Mutual RightTrack hacks, and if you tamper with the program, you can lose your discount and possibly even your coverage.

If you want to know how to beat Liberty Mutual RightTrack, simply reduce miles driven, don’t drive during peak hours, and watch how fast you brake and accelerate.

Liberty Mutual RightTrack Car Insurance: The Bottom Line

While you can save money on your Liberty Mutual RightTrack car insurance, they aren’t the only company to offer car insurance discounts based on your driving.

Since most major car insurance companies have similar programs, you should shop around before you buy Liberty Mutual RightTrack car insurance.

Compare rates and discounts from different companies to see who can offer you the best coverage at the cheapest rates.

We hope you’ve learned all you need to know from our Liberty Mutual RightTrack program review. Before you go, enter your ZIP code to compare free car insurance quotes from companies near you today.

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