Liberty Mutual offers a strong accident forgiveness policy and provides coverage options for drivers in every niche. Not to mention, it’s one of the most popular vehicle insurance providers in the country, but is their vehicle insurance coverage right for you?
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How much does Liberty Mutual car insurance cost?
The average annual national cost for a Liberty Mutual car insurance policy is around $179 a month for a minimum liability package. However, if you want full-coverage options, you will probably be looking at a price point closer to $282 a month.
Keep in mind, insurance rates can fluctuate drastically depending on the type of vehicle you drive, your location, your driving record, your age, and the type of tailored options you add to your policy.
For instance, if you have an accident on your driving record, you will probably be paying closer to $323 a month for a full-coverage plan, while an at-fault accident on your record might leave you looking at monthly costs of around $346 for the same policy.
The best way to get a good idea of what you can expect to pay for the coverage you need is to use Jerry.ai to assess your needs and generate a hassle-free car insurance quote.
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Liberty Mutual pros and cons
*Offers a strong accident forgiveness pack for drivers with a clean record *Provides an ample range of coverage options, add-ons, and discount options *Online claims filing options can help simplify the process
*Tends to earn lower customer satisfaction ratings than some other big-name providers *Coverage options, discount availability, and pricing can vary widely from state-to-state
What are Liberty Mutual’s basic car insurance offerings?
Bodily Injury/Property Damage Liability
Liberty Mutual’s Bodily Injury Liability Coverage package will cover medical expenses or legal fees up to your policy’s limit if you end up being found at fault for an accident. This may include loss of income, pain, and suffering, and funeral costs for the other party as well.
Medical payment coverage is sold as an optional add-on that will help cover the costs of any medical or funeral expenses for you, your family members who live with you, or your passengers regardless of who is at fault.
Uninsured Motorist/Underinsured Motorist
Liberty mutual offers an uninsured motorist package that is designed to protect you should you find yourself in an accident with an at-fault driver who doesn’t have liability coverage.
Collision coverage will help cover the cost of repairing or replacing your vehicle up to your policy limit if you are involved in a collision with another vehicle or object.
Comprehensive coverage policies come into effect when a vehicle is damaged or destroyed by external circumstances that aren’t covered by your collision coverage policy.
Liberty Mutual’s comprehensive insurance package will help protect you should your vehicle be destroyed or damaged by the following.
Optional insurance coverage options
Liberty Mutual Deductible Fund
The Liberty Mutual Deductible Fund program is a customized policy option that increases your premium by $30 a year in exchange for reducing your deductible by $100 a year. This means that if you have a $500 deductible, it will be reduced to $0 after five years on the deductible fund program.
The Liberty Mutual Accident Forgiveness program is a feature that might be added to your policy if you meet the eligibility requirements. If you qualify for the program, you will be forgiven for your first accident without having to worry about shouldering an increase in your premiums as a result.
In order to qualify, you must meet the following minimum criteria.
- You have had no accidents or violations on your record in the last five years.
- If you are 25 or under, you must have already accumulated five consecutive clean years to have an accident forgiven.
Better Car Replacement
Liberty Mutual’s Better Car Replacement package is an optional policy add-on that will increase your policy limit to cover the cost of a one-year-newer, 15,000 fewer miles model if your covered vehicle is deemed a total loss after an incident.
For example, a 2018 model with 50,000 miles would be replaced with the money to cover the cost of a 2019 model with 35,000 miles.
New Car Replacement
When it comes to insuring new vehicles, even if you’ve purchased extensive coverage, you will still have to shoulder the cost of depreciation if your car is deemed a total loss.
Liberty Mutual’s optional New Car Replacement Coverage add-on helps mitigate this risk by replacing any totaled vehicle under this policy (that is less than a year old and has fewer than 15,000 miles on the odometer) with a totally new vehicle.
Rental Car Reimbursement
Rental reimbursement coverage is an optional policy add-on that will cover you for the out-of-pocket cost of a rental car if your vehicle ends up in the repair shop after a claimable incident.
Liberty Mutual’s package is unique in that you will be covered for however long the repairs take if you have your car repaired at a Liberty Mutual-approved repair facility.
Lifetime Repair Guarantee
This policy add-on will simplify the repair process following a claim. Providing you own the vehicle, Liberty Mutual will arrange for repairs at a facility in their Guaranteed Repair Network and pay the shop directly so that you don’t have to shoulder any out-of-pocket costs (up to your policy limit). The repairs will be backed with a lifetime guarantee.
Liberty Mutual offers teachers and educators the potential to cash in discounts and savings on their policy, as well as providing extra protection and deductible waivers for accidents that occur while conducting school business or transporting classroom materials.
Liberty Mutual’s auto insurance discounts
Who wouldn’t want to cash in on an opportunity to save on their car insurance? Liberty Mutual has earned a reputation for offering stellar discount packages, but keep in mind that discount offerings might be limited in some states.
Keeping that in mind, you might be able to save anywhere from 5 - 45% on your policy if you are able to take advantage of any of the following discount packages:
- Advance shopper discount
- Driving training discount
- RightTrack Discount
- Anti-Theft Device Discount
- Good Student Discount
- Passive Restraint Discount
- Starting your auto quote online discount
- Multiple Vehicle Discount
Liberty Mutual vs. other insurance companies
Here’s how Liberty Mutual stacks up to two of their major competitors, Progressive and Nationwide, in terms of car insurance quotes and service.
Liberty Mutual vs. Progressive
Both Liberty and Progressive offer their clients a convenient online claim filing process and up-to-date features. However, Liberty Mutual gets the upper hand against Progressive in that they offer a wider range of add-ons and discount potential.
That said, Progressive still has some potentially useful offerings that Liberty Mutual lacks. If you are looking for a strong continuous insurance discount or rideshare coverage offerings, Progressive is probably a better choice for you.
Liberty Mutual vs. Nationwide
Once again, there is really no clear winner when combining Liberty Mutual’s car insurance service and offerings with Nationwide. They both offer reasonable 24/7 support and easy online claim-filing options.
Liberty Mutual does have a slightly better range of discounts and supplemental coverage options available, so if you are looking for more ways to save or better-tailored policy options, Liberty Mutual could be a good choice.
What is Liberty Mutual Insurance?
Liberty Mutual was founded over a century ago in 1912, originally created to provide workers in Massachusetts with worker’s compensation insurance.
Today, this Boston-based company offers up a range of attractive full-coverage car insurance quotes and plenty of great features and add-on options.
How to get a Liberty Mutual car insurance quote
There are a lot of ways to get a Liberty Mutual insurance quote, but using their online tool to drum up free car insurance quotes is the most simple way to go.
As an added bonus, you can automatically save up to 12% on your Liberty Mutual car insurance package when you use the Liberty Mutual online quote tool to get car insurance quotes, so sometimes, keeping it simple really does pay off.
The downside here is that none of the above methods let you compare options and price points offered up by different providers. The easiest and most effective way to comparison shop for car insurance is by using Jerry.ai to find the quote that works for you.
Jerry will handle the paperwork and even contact the company on your behalf, no phone calls, paperwork, or fees — just savings.
How do customers rate Liberty Mutual auto insurance?
According to the 2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study, Liberty Mutual customers report average or lower than average ratings across the board.
Liberty Mutual auto insurance receives “about average scores” in the following categories:
- Repair Process
- First Notice of Loss
- Rental Experience Meanwhile, the scores chock up to below average in the following categories:
- Claim Processing
- Overall Satisfaction
- Estimation Process Liberty Mutual does score better in the 2018 U.S Auto Insurance Shopping Study. They come in as better than most in all of the following categories:
- Insurer Website
- Local Agent
- Policy Offerings
According to the same survey, Liberty Mutual receives average scores in these categories:
- Call Center Representative
- Overall Satisfaction
Suffice it to say that Liberty Mutual’s average customer is probably not the happiest camper, but they do score well in terms of the shopping experience as a whole.
Liberty Mutual’s services and features
The Liberty Mutual RightTrack® Program
When you sign up for a voluntary driver tracking service, you could be awarded up to 30% savings on your policy for safe driving habits. Liberty Mutual guarantees a discount just for signing up.
The Liberty Mutual Mobile App
Liberty Mutual’s mobile app helps make it easy for you to manage your policy wherever you go.
The app is easy-to-use and well-rated and will allow you to do the following:
- Obtain your ID cards
- View and pay bills
- File and manage claims
- View your policy documentation
- Review and update your policy
The Liberty Mutual Roadside Assistance program is an optional policy add-on that will cover you up to your policy limit for the following:
- Towing services to the nearest qualified facility
- Dead battery jump starts
- Emergency fuel deliveries (excludes the cost of fuel)
- Tire changes
- Vehicle unlocking services
- 24-hour emergency assistance support
Liberty Mutual’s Roadside assistance is only available to you if you are subscribed to the policy.
How to file a claim with Liberty Mutual
Liberty Mutual boasts of their easy 10-minute online claim filing process, and this is probably the best way to go if you have access to their webpage or mobile app.
Using the mobile app will make it easier to upload any relevant data quickly and efficiently. Alternately, you can also call or visit an agent in person.
Once you begin the claims process, you will receive a claim number that you will need to keep handy throughout the course of the claims investigation process.
In order to ensure the claim filing process goes as smoothly as possible, be prepared to provide the following information whenever possible.
- The location, date, and time of the accident
- The names, addresses, phone numbers, and insurance policy numbers of anybody else involved
- A summary of the weather conditions
- Photo evidence of the accident scene and damage
- Any relevant copies of the police and/or accident reports Once the claim is filed, it’s a good idea to review your policy so you have an idea of what to expect with regard to your particular coverage. Once your claim is approved, you can proceed with the repairs and secure a replacement vehicle (if it is part of your coverage plan).
Liberty Mutual’s car insurance cancellation policy
If you want to cancel your Liberty Mutual insurance policy, you will need to call and speak to an agent in order to do so. Unfortunately, canceling online or via the mobile app is not an option. Be warned that cancelation fees may apply.
You might be required to provide the following information, so it is always a good idea to have it handy beforehand:
- The bill of sale or other proof of forfeiture of ownership for your vehicle
- The effective policy cancellation date
- Information on your new policy or provider
The Takeaway: is Liberty Mutual right for me?
To sum it all up, Liberty Mutual is a great choice for anybody looking for customizable policy options, convenient online tools, and access to a full range of discounts.
As their below-average customer rating scores testify to, it isn’t such a great choice if customer service and reliable claims processing is a priority for you.
When all is said and done, there are a lot of different things to keep in mind when trying to decide what type of car insurance policy is right for you.
The most intuitive way to accurately simplify the process is to take advantage of Jerry.ai’s powerful technology to generate and compare car insurance quotes.
Jerry.ai will not only give you the power to make the right decision on your car insurance but will also handle all the tedious phone calls, paperwork, and renewals so that you don’t have to. So are you ready to hop into the driver’s seat?
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