Liberty Mutual

 

REVIEW LIBERTY MUTUAL

 

by Will Berger | Sep 20, 2020

Our Review

America’s third largest automobile, causualty, and property insurer is Liberty Mutual. Liberty services customers in all 50 states, including DC.  They also offer liability and medical payments coverage,  plus lots of optional add-ons. Liberty consistantly reveives high ratings from credit agencies A.M. Best, Moody’s, and S&Pproving their strength.

Pros

  • PPolicy flexibility
  • PVariety of possible discounts

Cons

  • ONot all programs available in every state

 Summary

Liberty Mutuals strongest feature is probably the flexibility it offers for car insurance. You can lower your potential liabilities by voluntarily contributing towards your deductible with the Liberty Mutual Deductible Fund. When you contribute to your fund, Liberty Mutual will do the same in contributing to the fund. 

If your looking for different ways to save on your premium, Liberty Mutual has some ideas for you. You can take advantage of discounts by adding or changing a vehicle on your policy, for example.  There are also discounts for bundling  your auto insurance with other insurance products they offer, like motorcycle insurance or homeowner’s insurance. Having good driving behavior can earn you a 30% discount too.

There is one negative, not all their programs are available in every state. Because of different state regulations,  terms and conditions of its programs can vary in different states. Driver rewards, for example, aren’t available in some states.

 

 What types of Auto Insurance are Offered?

Property Damage liability. Pays for the damages to someone else’s vehicle or property if you’re at fault.

Medical Payments. Covers your and your passengers’ initial medical treatment in addition to other expenses: legal fees, lost income, legal fees, pain and suffering, and bereavement costs.

Bodily Injury liability. Covers medical expenses, lost income, and other expenses when you’re at fault in an accident.

Policy holders may add the following types of coverage to their auto insurance policy:

Accident Forgiveness. Your rates won’t rise due to your first accident.

Collision. Repairs or replaces your car when it is damaged in a collision with another vehicle or object, like a fence or sign.

Rental Car Reimbursement. Pays for the cost of a rental car while your car is being repaired.

New Car Replacement. Helps you get a new vehicule if your existing vehicle suffers a total loss.

Better Car Replacement. Replaces your totalled car with a newer model that has at least 15,000 fewer miles.

Lifetime Repair Guarantee. Your repairs will be guaranteed for as long as you own the car, provided you use a facility approved by Liberty Mutual.

Comprehensive. Covers all other damages not caused collision with a vehicle, such as floods, theft, vandalism, storms.

 

How to Apply:

To request a quote and purchase auto insurance, you can do it over the phone or on Liberty Mutual’s website. Just go to the Liberty Mutual home page, enter your zip code, and click “Get my price”. Buy your insurance immediately, or find a saved quote and purchase later. You can even compare their quote with links to several of their competitors. To purchase with Liberty, just press the “Continue” button next to your quote and you enter your billing information and confirm your insurance policy. Liberty’s online form takes just 10 minutes to complete!

You only need to provide this information:

  • Your home address.
  • Enter vehicle information, such as year, make, and model.
  • Your name and date of birth.
  • Some additional vehicle information: year purchased, primary purpose for owning a vehicle, and the estimated annual mileage.