2023 Liberty Mutual RightTrack Review

Your Liberty Mutual rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause Liberty Mutual to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. Liberty Mutual may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and crime trends.

Top Reasons Why Liberty Mutual Raises Rates 

• Recent claims
• New driver or car added to a policy
• Moving violations
• At-fault accidents
• Increased coverage
• Lower deductible
• Recent switch to an expensive car
• Relocation to a high-risk zip code
• Decline in creditworthiness

How to Lower Your Liberty Mutual Insurance

If you're struggling to afford your Liberty Mutual premium, there are a few steps that you can take to lower your rate. You can start by looking for Liberty Mutual discounts that you can qualify for, such as the safety features or anti-theft device discount. You can also make changes to your policy, including raising your deductible and reducing your coverage.

Another option is to switch insurance companies. Each insurer calculates rates differently, so you may be able to get the same amount of coverage elsewhere at a lower price. As a general rule, you should get quotes from at least three different companies every 6-12 months to make sure that you're still getting the best deal.

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
• Acceleration
• Braking
• 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.

No, Liberty Mutual does not offer a specific low mileage discount. Liberty Mutual premiums do take mileage into account, however, as rates are an average of 26% lower for customers who drive 7,500 miles annually than for customers who drive 15,000 miles annually, according to WalletHub data.

Low mileage drivers usually save on their Liberty Mutual premium because less time on the road means a smaller chance of filing a claim. Besides offering lower premiums for low mileage drivers, Liberty Mutual offers good student, accident free and violation free discounts, among others.

It's also worth noting that Liberty Mutual has a usage-based insurance program called RightTrack, which can help low mileage drivers save money. RightTrack tracks mileage and other driving habits, saving policyholders up to 30%.

To learn more, check out WalletHub's guide to Liberty Mutual discounts.

No, Liberty Mutual does not offer pay-per-mile insurance, though they have a discount program called RightTrack, which awards savings based on a customer's driving habits. RightTrack monitors how well and how often a customer drives for a 90-day trial period and applies a final discount once the trial is over.

Key Things to Know About RightTrack

• The RightTrack app or plug-in device monitors the total miles you drive and driving habits like hard braking, acceleration, and the time of day when you drive.
• The RightTrack program is free, but data charges for the app can apply.
• During the trial period, you will receive a 10% discount.
• A final discount of 5% to 30% is then applied after the 90-day trial period for the life of your insurance policy.
• The program is available to customers in 41 states and Washington D.C.
• The plug-in device is only available in New York.
• The plug-in device has to be inserted into your car's OBD-II port and is compatible with most cars from 1996 or later.
• Customers need to drive at least 125 miles during the 90-day trial period.
• There is no daily mileage cap, base rate, or per-mile rate.
• There are no mileage restrictions or requirements after the 90-day period ends.
• The RightTrack discount can be transferred to another vehicle if you get a new car and extends to vehicles added to the policy.

If there are other drivers on your auto policy, they are not obligated to enroll in the RightTrack program, but any drivers on your policy who do not participate can reduce your savings.

To learn more, check out WalletHub's guide on Liberty Mutual's discounts.

You can get Liberty Mutual's safe driver discounts by staying accident-free, avoiding moving violations, and signing up for the RightTrack telematics program. Liberty Mutual does not have a single “safe driver” discount, and instead rewards safe driving with a collection of perks.

Liberty Mutual Safe Driving Discounts 

• Accident-Free: Lowers your rate if you avoid accidents for a certain number of years. Requirements and the discount amount vary by state.
• Violation-Free: Lowers your rate if you do not receive a ticket for a certain number of years. Requirements and the discount amount vary by state.
• Right-Track: Tracks your driving habits, including braking and acceleration, and rewards you with up to 30% off your premium for safe driving. Also offers an initial discount just for signing up.

If you can't get any of Liberty Mutual's safe driver discounts, there are still other ways that you can save on your rate. For example, Liberty Mutual offers discounts for drivers who insure multiple vehicles on their policy or pay in-full for their policy up front.

To learn more, check out WalletHub's guide to Liberty Mutual discounts.

Liberty Mutual's good driver discount is up to 30% for drivers who sign up for RightTrack, the company's telematics program. RightTrack tracks a driver's habits on the road, like braking and acceleration, and determines the exact discount amount on an individual basis. Liberty Mutual also has separate accident-free and violation-free discounts, but the amounts and requirements vary between states.

If you don't qualify for Liberty Mutual's good driver discounts, there are still other ways for you to save on your premium. For example, the company offers a multi-car discount for drivers who insure more than one vehicle on their policy.

To learn more, check out WalletHub's guide to Liberty Mutual discounts.

Liberty Mutual is so cheap because the company offers a wide variety of discounts and is the sixth largest insurer by market share, which helps Liberty Mutual keep prices competitive. A minimum coverage policy from Liberty Mutual costs an average of $73 per month, and Liberty Mutual premiums can be made even cheaper by taking advantage of discounts such as safety features discounts and accident-Free Discount. Plus, Liberty Mutual rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Average Monthly Rates for Liberty Mutual vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Liberty Mutual is especially cheap for young drivers in particular. That's because Liberty Mutual has special savings opportunities for drivers in this category, such as discounts for students who maintain at least a 3.0 GPA.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Liberty Mutual is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of Liberty Mutual and see Liberty Mutual's full profile.

You can lower your Liberty Mutual car insurance costs by taking advantage of Liberty Mutual discounts, opting for a higher deductible, and reducing your coverage, among other things. Liberty Mutual considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.

How to Lower the Cost of Car Insurance from Liberty Mutual

Use Liberty Mutual's auto insurance discounts

Liberty Mutual offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of 12% on average if they purchase their policy online . Or you can save up to 10% on your premium if you are active, retired, or reserved in the U.S. armed forces.

Raise your car insurance deductible 

Opting for a higher deductible on any of your insurance policies from Liberty Mutual can lower your premium. But if you decide to go this route, it's important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.

Reduce your car insurance coverage

Most states require a certain amount of bodily injury liability and property damage liability coverage. But there are other coverage options (like comprehensive, collision, personal injury protection, and uninsured motorist) that you may not have to purchase, depending on your state.

Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it's important to approach coverage decisions with caution.

Improve your driving record

Practicing safe driving habits and avoiding moving violations can help you qualify for lower Liberty Mutual insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state.

Build and improve your credit

Because your credit history is correlated with your likelihood of filing an insurance claim, Liberty Mutual uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.

Drive less 

Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Liberty Mutual premium.

Drive an insurance-friendly car

Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Liberty Mutual to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.

Sign up for RightTrack

RightTrack, the Liberty Mutual telematics program, rewards you for good driving with a discounted premium. Specifically, RightTrack tracks miles driven, acceleration, braking, and the time of day that you drive. By using RightTrack, drivers can save up to 30% their rate.

Finally, if you're still struggling to afford your Liberty Mutual policy, you should consider switching insurers. Even if you're not actively looking for a new policy, it's generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub's guide to switching car insurance companies.

Yes, Liberty Mutual offers a defensive driving course discount, but only in states that legally mandate it. Thirty-four states and the District of Columbia require insurance companies to provide a defensive driving discount to eligible drivers, though exact discount amounts and requirements vary.

If Liberty Mutual does not offer a defensive driving discount in your state, you should still consider taking a course. By going to traffic school, you can learn how to better avoid at-fault accidents and moving violations, which would increase your Liberty Mutual premium. In some states, defensive driving courses can even reduce points on your license or prevent a moving violation from going on your record.

Liberty Mutual also offers a good driver discount for drivers who stay accident-free, so learning more about safe driving could help you save long-term.

To learn more, check out WalletHub's guide to Liberty Mutual discounts.

No, Liberty Mutual does not have a dash cam discount, since no major car insurance company in the United States offers dash cam discounts as of March 2021. The closest thing Liberty Mutual has to a dash cam discount is RightTrack, which monitors policyholders' driving habits and adjusts their premiums accordingly.

RightTrack from Liberty Mutual is a type of usage-based insurance. The program tracks miles driven, acceleration, braking, and the time of day that you drive and can save policyholders up to 30%.

Even though Liberty Mutual does not offer a dash cam discount, purchasing a dash cam could still be worth it in the long run. For instance, dashboard cameras can help prove fault in a car accident, prevent insurance fraud, and provide evidence in traffic court.