A new app for Subaru's Starlink infotainment will give owners easy access to Liberty Mutual's RightTrack usage-based insurance program later in the year, and those that take part will be able to save up to 30 percent off their bill. Users will also get nearly realtime feedback about their driving that could make them safer behind the wheel.

"RightTrack is designed to benefit drivers," Jeff Wright, vice president of usage-based insurance at Liberty Mutual, said to Autoblog. The program monitors a participating driver's behavior and looks for factors like hard acceleration or deceleration, the number of miles driven, and a journey's time of day. Users then receive a report after a trip on their smartphone or the infotainment screen about these events behind the wheel. Everyone gets a five-percent discount just for signing up for the usage-based insurance, but after 90 days the safest drivers can get the maximum discount. Liberty Mutual also doesn't increase RightTrack client's insurance rates.

"This partnership combines Liberty Mutual's extensive experience and reach in usage-based insurance with Subaru and Clarion's cutting-edge connected car technology to bring RightTrack savings to consumers in new ways," Hamid Mirza, auto product manager at Liberty Mutual Insurance, said in the announcement.

A 2015 study indicated that 27 percent of older drivers had privacy concerns about usage-based insurance programs, but younger people had a growing willingness to try them. The industry says that showing clients how they drive can make them safer because folks realize what they're doing wrong. Plus, many people are attracted to the potential monthly savings.

The RightTrack app should be available in late spring on any Subaru with the Starlink infotainment system, company spokesman Anthony Landamia told Autoblog. Liberty Mutual plans eventually to update the software to support other helpful features like severe weather alerts, accident scene assistance, and roadside assistance.
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Liberty Mutual Insurance and Subaru Introduce New Technology to Promote Safe Driving and Savings on Auto Insurance

RightTrack® in-vehicle app powered by Clarion Smart Access™ features new innovation in usage-based insurance for SUBARU STARLINK™ Cloud app suite

BOSTON – January 4, 2016 – From commuting to work to shuttling the kids, how safe of a driver are you? Imagine receiving real-time feedback on your driving not only to help make you safer on the roads, but to also save money on your auto insurance. Today, Liberty Mutual Insurance is excited to announce the new Liberty Mutual RightTrack® in-vehicle application with Subaru of America, Inc., a first-of-its-kind app that offers real-time driving feedback and tips while helping to reduce insurance premiums for safe drivers.

The new Liberty Mutual app will be available on the SUBARU STARLINK™ cloud platform, powered by Clarion's Smart Access™ technology that connects Subaru vehicles to a driver's smartphone to monitor driving habits, provide trip reports and offer tips to become a safer driver. This innovative app will be available in 2016 to Subaru models equipped with SUBARU STARLINK. STARLINK In-Vehicle Technology is all the audio, infotainment and connected service features available in Subaru vehicles.

The RightTrack in-vehicle app will provide real-time driving assessment and coaching for Subaru owners based on their actual driving behavior. For example, after each trip, a driver will receive a report based on their behaviors such as rapid acceleration or hard braking. Depending on their performance, Subaru drivers will be eligible for savings through Liberty Mutual's RightTrack, a usage-based insurance program that lets customers save on their auto insurance based on their driving habits. Subaru owners may also qualify for additional savings through Liberty Mutual's affinity program– which Subaru of America, Inc. has been a partner of since 2002.

"We are excited to bring this innovative offering to market," said Hamid Mirza, auto product manager, Liberty Mutual Insurance. "This partnership combines Liberty Mutual's extensive experience and reach in usage-based insurance with Subaru and Clarion's cutting-edge connected car technology to bring RightTrack savings to consumers in new ways."

In the near future, SUBARU STARLINK users will also receive benefits such as severe weather alerts, accident scene assistance and roadside assistance directly to their connected vehicle.

The SUBARU STARLINK connectivity solution is powered by Clarion's advanced Smart Access cloud platform which allows drivers to seamlessly sync and access all STARLINK approved apps effortlessly, without needing an update to the vehicle firmware, enabling safe control and display on the vehicle touch panel.


About Liberty Mutual Insurance

Liberty Mutual Insurance helps people preserve and protect what they earn, build, own and cherish. Keeping this promise means we are there when our policyholders throughout the world need us most.

In business since 1912, and headquartered in Boston, Mass., today Liberty Mutual is a diversified insurer with operations in 30 countries and economies around the world. The company is the third largest property and casualty insurer in the U.S. based on 2013 direct premium written as reported by the National Association of Insurance Commissioners. Liberty Mutual also is ranked 78th on the Fortune 100 list of largest corporations in the U.S. based on 2014 revenue. The company employs over 50,000 people in more than 900 offices throughout the world.

The fifth-largest auto and home insurer in the U.S., Liberty Mutual (libertymutual.com) sells full lines of coverage for automobile, homeowners, valuable possessions, personal liability, and individual life insurance. The company is an industry leader in affinity partnerships, offering car and home insurance to employees and members of more than 14,000 companies, credit unions, professional associations and alumni groups.

About Subaru of America, Inc.

Subaru of America, Inc. is a wholly owned subsidiary of Fuji Heavy Industries Ltd. of Japan. Headquartered at a zero-landfill office in Cherry Hill, N.J., the company markets and distributes Subaru vehicles, parts and accessories through a network of more than 620 dealers across the United States. All Subaru products are manufactured in zero-landfill production plants and Subaru of Indiana Automotive Inc. is the only U.S. automobile production plant to be designated a backyard wildlife habitat by the National Wildlife Federation. For additional information visit media.subaru.com. SUBARU STARLINK is a trademark of Subaru/Fuji Heavy Industries Ltd.

About Clarion

Headquartered in Cypress, California, Clarion Corporation of America is a subsidiary of Japan-based Clarion Co. Ltd, which has been a consolidated subsidiary of the Hitachi Group since 2006. Clarion has been an international leader in car audio and electronics since 1940. The company is engaged in the research, development, engineering, design, manufacturing, sales and marketing of mobile entertainment, navigation, infotainment, communication, safety and security products for the automotive, marine, recreational vehicle, commercial fleet and heavy industry environments. Clarion has been the recipient of numerous excellence awards for design, innovation, support, manufacturing and product reliability from independent organizations. The company has marketing and sales affiliates in Europe, North and South America, Asia and Australia. Clarion is located on the web at www.clarion.com/us.

Exclusive to Clarion and powered by Hitachi's renowned Global Data Center, Clarion's Smart Access is the world's most advanced and extensive cloud-based information access, analysis and sharing platform. Smart Access provides proactive real-time analysis of destination routes on the go, allows for customization of entertainment options, enables safe and easy access to social media networks, monitors status of the vehicle, and provides an easy, distraction free way to use many of the popular smartphone apps while driving. Learn more on the web at www.clarionsmartaccess.com


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