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Why did my car insurance go up with Liberty Mutual?
Well, this is a first. I’ve been driving for decades and for the first time in my life my car insurance rates increased. Why did my car insurance go up with Liberty Mutual? I figured I would ask you and avoid waiting on hold for a long time to ask them.
Matt Terzi · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
We’re sorry to hear your
Liberty Mutual
rates increased, that’s always frustrating! And unfortunately we can’t pinpoint the exact reason your car insurance
rates increased either, at least not without more information. What we can do, however, is list off the most common causes for rate increases, and you can see if any of these apply to you currently. Some of these are temporary issues that will result in your rates decreasing in the future, while others are less flexible. We hope your case is the latter!
- Car accidents will drive up your rates if you’re at fault for them. If you have multiple accidents in a short time frame, regardless of who was at fault, that’s going to increase rates as well.
- Traffic tickets can increase rates as well, as they’re a warning sign to an insurance provider that you may be a riskier driver. Speeding tickets and other moving violations don’t just cost you fines and fees, but insurance rate hikes as well.
- Credit score decreases will affect rates in most states. But you can rule this one out if you live in California, Hawaii, Massachusetts, or Michigan—it’s illegal in those states for insurance providers to use credit scores in their rate calculations
- Making late payments or asking for deferrals will usually increase your rates, especially if your insurance is canceled as a result. And on that note …
- Lapses in coverage tend to result in major rate hikes, no matter how short or long those lapses are
- Some rate increases are simply outside of your control, too. Rates increase as you get older, especially in your 60s and 70s, regardless of your driving record. And insurance companies also look at demographics and statistics in your area, like car thefts or severe weather.
- Some providers can track your mileage with telematics devices you voluntarily install in your vehicle. If your mileage exceeds thresholds, you’ll end up paying more.
Each insurance provider calculates their rates differently, and chances are you’ll find better quotes elsewhere if you do a little assisted comparison shopping. We hope this helps!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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