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One of the major benefits of using Liberty Mutual for your car insurance is the flexibility it provides. With Liberty Mutual Deductible Fund, you can lower your potential liabilities by voluntarily contributing towards your deductible. And when you contribute to your fund, Liberty Mutual does too. The following image shows just how much you can save.
Liberty Mutual offers a number of ways to save on your premiums. It offers discounts simply for adding or changing a vehicle on your policy or for bundling together your auto insurance with other insurance products from its catalog – such as homeowners’ insurance or motorcycle insurance. You can also earn up to a 30% reduction for good driving behavior.
One con to be aware of is that not all programs are available in all states. For example, driver rewards aren’t available in a handful of states. Due to differing state regulations, the terms and conditions of its programs can differ slightly from state to state.
The following types of coverage are a standard part of all Liberty Mutual car insurance policies:
Bodily Injury liability. Covers medical expenses, lost income, and other expenses when you’re at fault in an accident.
Property Damage liability. Covers damages to someone else’s vehicle or property when you’re at fault.
Medical Payments. Covers your and your passengers’ initial medical treatment as well as other expenses such as lost income, legal fees, pain and suffering, and bereavement costs.
Policy holders may add the following types of coverage to their auto insurance policy:
Collision. Repairs or replaces your car when it is damaged in a collision with another vehicle or object, such as a guardrail or fence.
Comprehensive. Covers all other damages not caused collision with a vehicle, such as theft, vandalism, storms, or floods.
Accident Forgiveness. Your rates won’t rise due to your first accident.
Lifetime Repair Guarantee. Your repairs will be guarantee for as long as you own the car, provided you use a facility approved by Liberty Mutual.
New Car Replacement. Assistance with getting a new car 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.
Rental Car Reimbursement. Covers the cost of a rental car while yours is being repaired.
You can request a quote and purchase auto insurance over the phone or on Liberty Mutual’s website. To apply for and purchase car insurance online, simply go to the Liberty Mutual home page, enter your zip code, and click “Get my price”. You can purchase straight away or retrieve a saved quote and purchase later. Liberty Mutual are so confident of their ability to offer competitive prices that they’ll show you their quote and include links to several of their competitors. To purchase with Liberty, simply press the “Continue” button next to your quote and you’ll be given the opportunity to enter your billing details and confirm your insurance policy.
It can take as little as 10 minutes to fill out Liberty’s online form and purchase car insurance. Simply follow these steps:
