Yes, Liberty Mutual uses telematics through RightTrack, its usage-based program, and ByMile, its mileage-based program. ByMile only measures a driver’s mileage in order to calculate a daily rate for their policy, while RightTrack tracks several habits and rewards good drivers with a discount of up to 30%.
What Liberty Mutual Telematics Tracks
- Miles driven
- The time of day that you drive
In order to use RightTrack, drivers need to plug the tracking device into their vehicle's OBD port or download the RightTrack app in order to track trips through their phone or windshield tag. The specific tracking method that's available to you depends on your state. After 90 days, the discount will be applied for the life of your policy. If you practice bad driving habits while using RightTrack, Liberty Mutual will not raise your base premium. But you probably won't get much of a discount, if any. RightTrack is currently available in 41 states.
ByMile, on the other hand, works a bit differently. Instead of offering a discount, Liberty Mutual uses the program to calculate a driver’s payment based on their daily mileage. Customers are charged a small base premium, and then a fee for each mile that they drive, up to 150 miles per day. As a result, ByMile is a good choice for policyholders who don’t drive often.
To learn more, check out WalletHub’s guide to usage-based insurance.
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