Liberty Mutual’s auto insurance offers affordable and customizable coverages online, along with various discounts and custom coverage options.
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About Liberty Mutual Auto Insurance
Liberty Mutual Group is an American-based Insurance Company founded in 1912, and its headquarter is located at 175 Berkeley Street. Liberty mutual, with over 101 years of service, provides insurance around the globe, and it’s the third-largest property and casualty insurer in the United States.
Liberty Mutual average insurance costs
Liberty Mutual’s average monthly auto insurance cost is $371 or $4,450 per year. Liberty Mutual calculates your rates based on some factors, including:
1. Car model: The cost of replacement parts, age, and safety features on your vehicle all affect your insurance rates.
2. Your age: According to the Centers for Disease Control and Prevention, as you get older, it is less likely for you to be involved in an accident.
3. Driving history: If you have a staller driving, you can pay less for your insurance premium.
4. Location: The area you live in is one of the critical factors. How many cars are on the road where you live? Are the theft rates up or down? Liberty Mutual takes it all into account.
On top of these personal criteria, some other factors increase premiums, including:
1. High car repair costs
2. Spike in distracted driving incidents
3. High medical costs
4. More drivers on the roads
Liberty Mutual coverages
Liberty Mutual offers typical car insurance such as bodily injury, property damage, and uninsured motorist coverage at an affordable rate. Although this basic coverage package covers most auto insurance needs, you may want to add several additional coverages to your auto policy. Liberty Mutual sells these add-on coverages:
• Collision Coverage
• 24-hour roadside assistance
• Accident forgiveness
• Medical payment
• Gap insurance
• Better car replacement
• Teachers’ insurance
• New car replacement
• Rental car reimbursement
• Lifetime repair guarantee
Liberty Mutual discounts
– Anti-theft device: If your vehicle is equipped with anti-theft devices, you may be eligible for this discount.
– Accident-free: Good drivers with accident-free driving records will be rewarded with a discount.
– Early shopper: Get a Liberty Mutual quote before your current policy expires and earn a discount when you finalize the policy.
– Violation-free: If you have no tickets or other violations in your driving record, you can get this discount.
– Alternative energy: Environmentally friendly vehicles like hybrids and electric cars can get a discount.
– Military: If you’re an active, retired, or reserved U.S. Armed Forces member, you are eligible for a military discount.
– Good student: Students with a GPA of 3.0 or higher can earn this discount.
– Student away at school: Students who are away from school and drive their vehicle only occasionally qualify for this discount.
Liberty Mutual reviews
Reviews.com Score: 4.4
AM Best: A
J.D. Power: 827*
PROS:
– Affordable
– Online tools
– Customization options
– Deductible fund
– High Financial Rating
– A variety of discounts
CONS:
– Higher than average complaints
– Not available in all states
– Average customer satisfaction score
Positive Liberty Mutual auto insurance reviews show that it has supportive representatives and quick claims, customer service ranked average, and negative ratings are given to poor communication and high prices.
