Smart Score
73
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Liberty Mutual is the sixth-largest auto insurer in the US based on direct premiums written. In addition to home and auto insurance, Liberty Mutual offers a vast array of personal and commercial insurance policies. If you’re looking for an insurance company that has accident forgiveness and rewards safe drivers, Liberty Mutual might be the company for you. It’s available in all 50 states, has an amazing, easy-to-use app, and although you might not find the cheapest car insurance quote available, it has an outstanding customer service record.
Lines of Business:
When it comes to their auto, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Liberty Mutual
Available Option | What it means | |
---|---|---|
Accident Forgiveness | Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident. | |
Airbag Replacement Coverage | Covers your replacement airbags and labor should they need replacement | |
Antique or Collector Car Insurance | Special insurance for antique and collectors cars. | |
Better Car Replacement | Policy that will replace your car if it is a total loss with a car one model year newer and with 15,000 fewer miles. | |
Build Your Own Plan | Customize your insurance policy with a build your own plan policy. | |
Child Safety Seat Replacement | A policy that pays for a new child safety seat if yours is damaged in an accident. | |
Comprehensive Claim Forgiveness | Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident. |
While all companies offer a range of auto insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Liberty Mutual has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
Available Option | Discount Data | What it means |
---|---|---|
Passive Restraint | up to 20% | Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts. |
Anti Theft Device | up to 25% | This discount is for cars with alarms and other theft deterrents. It typically only applies to comprehensive coverage, however. |
Accident Free | Varies | Tied to drivers on the policy and any accidents in their record. though insurers generally only consider the past 3 to 5 years. |
How does Liberty Mutual compare to other insurance companies? Click the following links below to compare Liberty Mutual to other top insurance companies.