Get Liberty Mutual Auto Insurance: Steps To Follow

Liberty Mutual offers auto insurance with various coverage options and add-ons. The company has been in the insurance business for over 100 years and offers affordable, customizable car insurance plans. The process of getting a quote and buying insurance is simple and fast, and customers can also use the Liberty Mutual app to manage their insurance.

Getting a quote

To get started, you'll need to provide some basic information, including your ZIP code, driver's license number, vehicle details (make, model, and year), Vehicle Identification Number (VIN), and approximate mileage on your car. You can get a quote online or by calling Liberty Mutual directly.

When getting a quote, it's essential to consider the coverage options that best suit your needs. Liberty Mutual offers various coverage types, including liability, comprehensive, and collision insurance. Liability insurance is required in most states and covers damages and injuries caused by the policyholder in an accident. Comprehensive insurance covers damages to your vehicle from incidents other than a collision, such as natural disasters, theft, or vandalism. Collision insurance, on the other hand, covers damages to your vehicle when it collides with another object, such as a tree or guardrail.

In addition to these standard coverage options, Liberty Mutual offers several optional coverages, including 24-Hour Roadside Assistance, Rental Car Reimbursement, Better Car Replacement, and Accident Forgiveness. You can review these options and decide which ones you may need before getting a quote.

It's also worth noting that Liberty Mutual offers various discounts that can help lower your insurance costs. These include discounts for safe driving, multi-car policies, and bundling your auto insurance with other types of insurance, such as homeowners or renters insurance.

By providing the necessary information and considering your coverage needs and potential discounts, you can get a quote from Liberty Mutual that fits your specific requirements and budget.

Discounts

Liberty Mutual offers a range of discounts to its auto insurance customers, which are divided into four main groups: safe driver discounts, vehicle safety feature discounts, customer detail discounts, and customer loyalty discounts.

Safe Driver Discounts

• Accident-Free Discount: Customers who go at least five years without an accident are eligible for this discount.
• Violation-Free Discount: If you avoid violations such as speeding tickets, parking citations, or DUIs for five straight years, you will be eligible for this discount.
• RightTrack Discount: Customers can save up to 30% by enrolling in Liberty Mutual's safe driving program, and they will receive an initial discount just for signing up and participating.
• Claims-Free Discount: Liberty Mutual rewards drivers with a claims-free history.

Vehicle Safety Feature Discounts

• Anti-Theft Device Discount: If your car is equipped with anti-theft devices or technology, such as passive alarms or LoJack systems, you will be eligible for this discount.
• Advanced Safety Features Discount: Liberty Mutual offers a discount if your car has advanced safety features like anti-lock brakes, adaptive headlights, or electronic stability controls.
• Alternative Energy Discount: If your car is a hybrid or electric vehicle, you will receive a discount.

Customer Detail Discounts

• Homeowner Discount: Homeowners are eligible for savings on their auto insurance.
• Military Discount: Liberty Mutual offers a discount to active, retired, or reserve members of the United States Armed Forces.
• Early Shopper Discount: If you sign up for a new policy before your current policy expires, you will receive a discount.
• Good Student Discount: If a student driver listed on your policy has a GPA of a 3.0 or better, you will be eligible for a discount.
• Student Away-at-School Discount: If a driver on your policy is a student who doesn't take a car with them when they go to school (typically one located 100+ miles from home), you will receive a discount.

Customer Loyalty Discounts

• Multi-Car Discount: You will receive a discount if multiple vehicles are listed on your policy.
• Multi-Policy Discount: If you bundle other policies, such as home, life, or umbrella coverage, with your auto insurance, you will receive a discount.
• Preferred Payment Discount: You can save money by enrolling in automatic payments from your bank account.
• Pay-in-Full Discount: If you pay for your entire policy in one or two payments, you will receive a discount.
• Online Purchase Discount: Liberty Mutual offers a 12% discount if you buy your policy online.
• Paperless Policy Discount: You will receive a discount if you go paperless and sign up for electronic communication.

Customised coverage

Liberty Mutual offers customised car insurance coverage built for you. You can decide on the coverages you need and then choose from a range of optional coverages to add an extra layer of protection.

The coverages you need will depend on the state you live in and whether you own your car or are leasing or financing it. Most states require drivers to have liability insurance, which covers the costs of injuries or damage to other people or their property if you are at fault for an accident. This is sometimes known as "minimum" or "basic" coverage. If you own your car outright, you may only need to purchase this liability-only coverage.

However, if you have a loan, lease, or finance agreement on your vehicle, you may be required to purchase "full coverage", which includes Comprehensive and Collision Coverage. Comprehensive and Collision Coverage helps pay for damage to your car regardless of who is at fault in an accident. Comprehensive Coverage also covers non-accident incidents, such as natural disasters, theft, and vandalism.

In addition to these required coverages, Liberty Mutual offers several optional coverages that can add an extra layer of protection, including:

• 24-Hour Roadside Assistance
• Rental Car Reimbursement
• Better Car Replacement
• New Car Replacement Insurance
• Lifetime Repair Guarantee

Financial health of the insurance company

When choosing an auto insurance company, it is important to consider the financial health of the company. You want to ensure that the company will be able to pay out your claim if you ever need to make one. Liberty Mutual has been in business for over 100 years and is the sixth-largest property and casualty insurer in the world, ranking 71st on the Fortune 100 list of largest corporations in the United States based on 2020 revenue. As of December 31, 2021, Liberty Mutual Insurance had $156.043 billion in consolidated assets, $128.195 billion in consolidated liabilities, and $48.2 billion in annual consolidated revenue. The company has over 45,000 employees in more than 900 locations worldwide and offers a wide range of insurance products and services, including personal automobile insurance.

To compare the financial health of insurance companies, you can use one of the three independent online ratings companies: A.M. Best, Fitch, Moody's, and Standard & Poor's. Each of these agencies uses its own standards for evaluating the financial health of insurance companies. It is also important to choose an insurance company that has been in business for a long time and has a strong track record of serving its policyholders. Liberty Mutual has been in business for over a century and has a strong financial rating.

In addition to its financial stability, Liberty Mutual offers a range of benefits to its customers, including the ability to pay only for what they need. Customers can choose from various coverage options, including liability-only or "full" coverage, and optional coverages such as 24-hour roadside assistance, rental car reimbursement, and better car replacement. Liberty Mutual also offers discounts to help customers save money, such as enrolling in a preferred payment option or bundling car insurance with home insurance.

By researching the financial health of Liberty Mutual and comparing it to other insurance companies, you can be confident in your choice of insurer, knowing that they have the stability and resources to handle your claims and provide the coverage you need.

Required coverages

When it comes to auto insurance, there are certain coverages that are required by law, while others are optional. The specific coverages that are required can vary from state to state, so it's important to check the regulations in your state. However, here are some of the most common required coverages:

Bodily Injury Liability

This type of coverage is required in nearly every state. It covers the costs associated with injuries and death caused by you or another driver while operating your vehicle. The minimum coverage limits can vary, but it is often recommended to have higher limits, such as $100,000 per person and $300,000 per accident, to ensure adequate protection in the event of a serious accident.

Property Damage Liability

This coverage is also required in most states. It reimburses others for damage that you or another driver operating your car causes to another vehicle or other property, such as a fence, building, or utility pole. The recommended coverage amount for property damage is typically $100,000.

Medical Payments or Personal Injury Protection (PIP)

Many states require this coverage, which provides reimbursement for medical expenses for injuries to you or your passengers. It may also cover lost wages and other related expenses. PIP insurance covers your injuries and medical expenses after an accident, regardless of who is at fault. Even in states where it is not required, it is worth considering adding PIP coverage to your policy for greater financial protection.

Uninsured Motorist Coverage

This coverage is required in some states and optional in others. It reimburses you when an accident is caused by an uninsured motorist or in the case of a hit-and-run. Underinsured motorist coverage is also available to cover costs when another driver lacks adequate insurance to pay for the damages of a serious accident.

While these are some of the most common required coverages, it is important to note that the specific coverages and minimum coverage limits can vary by state. In addition, if you have a loan or lease on your vehicle, your lender or leasing company may require you to carry additional coverages, such as collision and comprehensive insurance.

Frequently asked questions