Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community - FT86CLUB - View Single Post

mhughett · 12-04-2015, 10:12 AM

Owners of the twins that think their cars are slow obviously haven't talked to the people of Liberty Mutual Insurance. I just insured all of my cars with them a couple of months ago. They offer a program called "right track" whereby they have you plug a device into your OBD port and they track your driving habits. I know, it seems like big government watching over you. However, they give a 5% discount for signing up, the final discount (done for each car independently) can range from 5%-30%, and the best part is that regardless of your driving style, your rates will not be increased as a result of the 90-day test period and once you earn your discount, it stays with you as long as you own the car. The program only measures 4 metrics:

1. Time spent driving between 12am and 4am--I guess they have a lot of claims occurring during those hours (I wonder why)
2. Total miles driven--I guess to determine if you are driving within the mileage you claimed when you signed up
3. "Rapid" acceleration events--measured by the rate of acceleration measures over a period of time as short as 1 second.
4. Hard braking events--rate of deceleration measured over a period of time as short as 1 second.

There is a website you can sign onto that tracks your progress. 15 minutes after you shut the car off you can see your history of trips and events that they have identified. The biggest problem I have having with the BRZ is that the threshold for triggering an event of rapid acceleration is only about 7-7.5mph/second. Nearly all of my events are from start in 1st gear. When you are driving a car with a short 1st gear and low torque, you usually start up pretty quickly. Next time you pull away in 1st gear, watch how quickly you get up to 15 mph. If you did it in 2 seconds or less, you just lost some of your potential discount. The only way I've figured to drive this car without triggering an event is to shift into second after just barely getting started. The combination of shift time and less pull in second gear will take long enough to not trip the program.

The "hard braking" event is also frustrating. If you are driving along at normal speeds at or below the speed limit and the light turns yellow but in time for you to stop, you will get a braking event if you stop for it. Seems counter intuitive as the alternative is to go through an intersection when the light is turning red. This is supposed to measure safe driving habits, right?

I can't wait for the 90-day period to be over. I'm doing a lot better on my other car than on the BRZ because of the rapid acceleration issue above. I will probably end up with about an additional 15% discount as a result of signing up, which is not too shabby. I just wanted to warn anyone thinking about trying this that it can be frustrating.

12-04-2015, 10:12 AM	#1
mhughett Member Join Date: Oct 2014 Drives: 2015 Crystal White BRZ Limited Location: Tulsa Posts: 86 Thanks: 0 Thanked 56 Times in 23 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	Liberty Mutual "Right Track" Owners of the twins that think their cars are slow obviously haven't talked to the people of Liberty Mutual Insurance. I just insured all of my cars with them a couple of months ago. They offer a program called "right track" whereby they have you plug a device into your OBD port and they track your driving habits. I know, it seems like big government watching over you. However, they give a 5% discount for signing up, the final discount (done for each car independently) can range from 5%-30%, and the best part is that regardless of your driving style, your rates will not be increased as a result of the 90-day test period and once you earn your discount, it stays with you as long as you own the car. The program only measures 4 metrics: 1. Time spent driving between 12am and 4am--I guess they have a lot of claims occurring during those hours (I wonder why) 2. Total miles driven--I guess to determine if you are driving within the mileage you claimed when you signed up 3. "Rapid" acceleration events--measured by the rate of acceleration measures over a period of time as short as 1 second. 4. Hard braking events--rate of deceleration measured over a period of time as short as 1 second. There is a website you can sign onto that tracks your progress. 15 minutes after you shut the car off you can see your history of trips and events that they have identified. The biggest problem I have having with the BRZ is that the threshold for triggering an event of rapid acceleration is only about 7-7.5mph/second. Nearly all of my events are from start in 1st gear. When you are driving a car with a short 1st gear and low torque, you usually start up pretty quickly. Next time you pull away in 1st gear, watch how quickly you get up to 15 mph. If you did it in 2 seconds or less, you just lost some of your potential discount. The only way I've figured to drive this car without triggering an event is to shift into second after just barely getting started. The combination of shift time and less pull in second gear will take long enough to not trip the program. The "hard braking" event is also frustrating. If you are driving along at normal speeds at or below the speed limit and the light turns yellow but in time for you to stop, you will get a braking event if you stop for it. Seems counter intuitive as the alternative is to go through an intersection when the light is turning red. This is supposed to measure safe driving habits, right? I can't wait for the 90-day period to be over. I'm doing a lot better on my other car than on the BRZ because of the rapid acceleration issue above. I will probably end up with about an additional 15% discount as a result of signing up, which is not too shabby. I just wanted to warn anyone thinking about trying this that it can be frustrating.