The authors would like to issue special thanks to the following advisers and contributors whose insights were invaluable for the creation of this paper: Neal Baumann, Sandeep Puri, Amelia Dunlop, Scott Corwin, Paul Nelson, Matt Carrier, Anthony Abbattista, John Lucker, Anuj Maniar, Arun Prasad, Peter Tomopoulos, and Will Foss. In addition, the authors would like to thank the team that dealt with the day to day activities and was instrumental to the development and delivery of this paper: Derek Pankratz, Tim Janas, Nick Cowell, Nick Jameson, Elinor Chang, David Kornberg, Linda Li, Sarah Manuel, and Matthew Budman. 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. This helped to ensure that most people had adequate insurance on their vehicles because insurance cover was required to purchase a disc, although the insurance must merely have been valid at the time of purchase and not necessarily for the life of the tax disc.

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