Liberty Mutual Auto Insurance: Understanding The 3-Year Lookback

Liberty Mutual is a trusted insurance company that offers auto insurance with various discounts and optional coverage types. The company's auto insurance rates can change due to factors such as claims, driving history, the addition of new drivers, and credit score. While Liberty Mutual received a below-average rating in J.D. Power's 2024 Auto Insurance Shopping Study, it offers a range of discounts and robust digital tools for its customers. The company's auto insurance coverage includes standard policies with optional add-ons like accident forgiveness, new car replacement, and deductible fund. Liberty Mutual's auto insurance is available in all states except North Dakota, South Dakota, and Wyoming.

Discounts for good driving history

Liberty Mutual offers a long list of discounts for its auto insurance policyholders. One of the ways to get a discount is by having a good driving history.

The company offers a discount for those with a violation-free driving history. This is part of Liberty Mutual's safe driver program, which gives an initial discount just for enrolling and up to 30% off for safe driving behavior.

The company also offers a telematics program called RightTrack, which monitors your driving to determine discounts. Safe drivers can save up to 30% based on their driving behavior.

In addition to these discounts, Liberty Mutual also offers savings for those who bundle their auto insurance with other types of insurance, such as home, renters, RV, or boat insurance.

Other ways to save on Liberty Mutual auto insurance include getting a quote before your current policy expires, having good grades, leaving your car at home while living away at school, insuring multiple cars, paying your full premium upfront, and enrolling in automatic payments.

Multi-car discounts

Liberty Mutual offers a Multi-Car Discount for customers who insure multiple vehicles with them. The more cars you insure with Liberty Mutual, the more you save on your premium. This discount is available to both new and existing customers.

The Multi-Car Discount is one of the 17 discounts offered by Liberty Mutual for auto insurance customers. The company also offers discounts for safe drivers, vehicles with safety features, customer details, and customer loyalty.

• Insure your home and auto together with Liberty Mutual and save over $950 per year.
• Sign up for a new policy before your current policy expires.
• Get a discount if you're a student with a GPA of 3.0 or better.
• Get a discount if your son or daughter is away at school and only occasionally drives your car.
• Save up to 30% on your policy by enrolling in the RightTrack safe driving program.

Safe driver program

Liberty Mutual's safe driver program, RightTrack®, offers a discount of up to 30% on your auto policy for safe driving. The program is available in most states and can be accessed through the Liberty Mutual Mobile app or a plug-in device.

Here's how it works:

Enrollment and Setup

To enroll in RightTrack, you must first be a Liberty Mutual customer. After signing up for the program, you will receive instructions via email. If you choose to use the mobile app, you will need to download it and forward the activation codes to all drivers on your policy. If you opt for the plug-in device, Liberty Mutual will ship it to you, and you must install it within 30 days of receiving it.

Driving Period

Once you're set up, you can start driving as you normally would. RightTrack will track your driving habits for 90 days. The specific driving behaviors observed include braking, acceleration, nighttime driving, rush hour driving, frequency at lower speeds, distracted driving, and the number of miles driven.

Scoring and Discounts

After the 90-day driving period, RightTrack will confirm your final score and apply it to your premium at renewal or completion of the program, depending on your state. You will receive an initial discount of 10% just for enrolling, and your final discount could be up to 30% for safe driving. It's important to note that drivers with risky driving behaviors may see a rate increase.

The RightTrack program offers a simple way to save money on your auto insurance by rewarding safe driving habits. Remember to follow the enrollment and setup instructions carefully and drive safely to maximize your potential discount.

Discounts for bundling insurance

Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app. You could save over $950 when you bundle your auto and home insurance with Liberty Mutual. You can also save by bundling other products from renters to auto, to RV to boat.

• Amica: Amica offers a bundling discount of up to 30%.
• Auto-Owners: Auto-Owners offers a bundling discount that varies.
• Country Financial: Country Financial's bundling discount varies.
• The Hanover: The Hanover offers two customizable packages, Platinum and Prestige, which include a bundling discount.
• State Farm: State Farm doesn't specify a percentage but claims policyholders could save up to $1,273 per year by bundling.
• Travelers: Travelers' bundling discount varies.
• USAA: USAA policyholders can save up to 10% by bundling home and auto policies.
• Geico: Geico offers the cheapest car and renters insurance bundle, at an average rate of $91 per month.
• State Farm: State Farm offers the best discount for bundling, at 4.7%.

Paperless billing

Liberty Mutual offers paperless billing to its customers. Paperless billing can be set up by logging into your account and enrolling in paperless billing. This will allow you to access your bill online and eliminate clutter.

The Liberty Mutual mobile app is also available for download on iOS and Android devices. The app allows you to manage your policy, pay and manage bills, file and track claims, and access policy and coverage details.

Other billing options include paying online using a credit card or bank account, paying by phone, or paying by mail.

Frequently asked questions