Liberty Mutual Review

Overview

One of the biggest names in the insurance industry, Liberty Mutual offers individuals every type of insurance they could dream of. From auto to health, property to small business, Liberty Mutual has affordable, comprehensive plans that help to give you protection against any unexpected life events. Their speciality, however, is their expansive range of auto insurance which covers all types of drivers and vehicles.

Helping to keep you safe every time you step into your car and hit the road, Liberty Mutual is a trusted name that can safeguard you from expenses related to automobile accidents or breakdowns. Never leaving you stranded on the side of the road or paying for hefty repair costs, Liberty Mutual is there with robust coverage that can be customized to suit your needs. With numerous discounts available and the ability to bundle with other types of insurance, Liberty Mutual is your one-stop-shop for comprehensive auto insurance you can depend on.

Auto Coverage Options

As one of the top insurance providers in the USA, Liberty Mutual offers expansive coverage options both in terms of what they cover and the vehicles they cover. Going beyond just your standard car, truck, or SUV, Liberty Mutual offers insurance for:

• Cars
• Motorcycles
• Boats & Watercrafts
• Antiques & Classic Cars
• ATVs & Off-Road Vehicles
• Recreational Vehicles (RV)

For most individuals, standard car insurance will be what you are after which is what protects you and your vehicle every time you’re on the road. While insurance itself cannot prevent accidents from happening, what it will do is protect you from unexpected repair costs, medical costs, and even safeguard you against expenses related to thefts and more. 

Completely customizable, Liberty Mutual offers a standard car insurance policy which can then be tailored to fit your needs, preferences, and budget. Standard insurance includes coverage for things like your medical payments if you’re in an accident as well as medical payments for other parties involved. From there, you can then add on the type of vehicle coverage you’re interested in, such as collision and/or comprehensive, as well as extra benefits like roadside assistance, new car replacement coverage, and more.

Getting Started

Liberty Mutual makes it easier than ever before to get yourself the coverage you need quickly and hassle-free. Completed online from your computer or smartphone, there is no endless paperwork or hours spent on hold, and you can check quotes immediately before committing to a policy. 

The free quote offered by Liberty Mutual is a great way to find out what your monthly premiums would be based on the insurance you are interested in. Taking only a couple of minutes to complete, you will answer some standard questions which can help determine your rates. All that is required is your:

• Zip code of the state you reside in
• Drivers license number
• Make, model, and year of your current vehicle
• Vehicle identification number (VIN)
• Approximate mileage on your vehicle

After completing the quote process, you can then decide if Liberty Mutual is right for you. All of the quotes provided are accurate estimates, meaning what you see is what you will pay. With no hidden fees or sneaky charges, you can enjoy comprehensive coverage that is tailored to you at an affordable monthly premium that works with your budget.

What Affects Premiums

Not all monthly premium amounts are the same, and there are a number of factors that are considered when determining what you will personally pay. Liberty Mutual takes into account everything from your age to your state to give you the most accurate, and reasonably priced, premiums paired with the best coverage possible.

Those who live in certain states may find their premiums higher than others, based around the fact that some states may be more populated and thus have a higher rate of accidents. If you travel between states frequently or reside in more than one state on a regular basis, this could also impact your premiums. 

Individuals who have had accidents or who only have a short driving history may also see an increase in premiums, while those who have been on the road for decades with a clean record will typically have much lower costs. Some of the key things LIberty Mutual takes into consideration includes:

• Where you live
• Your overall driving record
• How frequently you drive
• How much it would cost to repair your vehicle
• What safety features your vehicle has

Thanks to Liberty Mutual offering drivers the ability to customize their insurance coverage, you can still find the right insurance that meets your budget regardless of where you live or how often you drive. With the ability to add-on only the things you need, Liberty Mutual never charges you for unnecessary coverage and you can get the perfect policy at the perfect price.

Discounts Available

Helping to save you even more money both in monthly premiums and long-term, Liberty Mutual has a number of discounts available for you to take advantage of. One of the top ways to save with Liberty Mutual is by using them for all of your insurance needs, not just for auto coverage, as bundling gives you one of the biggest discounts possible. 

Looking for life insurance, condo insurance, renters insurance, or even pet insurance? Liberty Mutual has you covered with affordable policies that are flexible and comprehensive. Especially beneficial when paired with your home insurance, Liberty Mutual can not only save you money but keep things easy and simple by housing all of your insurance information in one easy-to-access place. 

Not in the market for any other types of insurance? Don’t fret. Liberty Mutual also has other discounts available that can save you money each month. Some of the common discounts that drivers love taking advantage of include savings for:

• Active and retired military personnel
• Early shoppers who enroll before their current policy ends
• Full-time students with B-grades or higher
• Students who are away at school and drive infrequently
• Cars that have advanced safety features
• Hybrid or electric vehicles
• Any anti-theft devices or technology
• Individuals who have not had any prior accidents
• Individuals who have not had any traffic violations
• Those enrolled in the RightTrack safe driving program
• Bundled policies with Liberty Mutual
• Families with more than 1 vehicle
• Automatic payment enrollment
• Premiums paid on an annual basis instead of monthly
• Quotes received online instead of by phone or in-person
• Paperless statements

Liberty Mutual Cost

How much your auto insurance will cost through Liberty Mutual will depend on a number of factors, which makes it difficult to give a generic answer to this question. What one person pays may be very different from another, so the best way to find out your personal premiums would be to take advantage of the free quote offered by Liberty Mutual.

Quick and easy to fill out, the free quote calculator only asks a handful of questions to then determine the appropriate premium for you. Completed online, and with no obligation to proceed unless satisfied, you can get an immediate quote that you can then use to shop around and compare with other providers. If you are happy with the amount quoted, you can also proceed with enrollment right away online, without the need to call or go in person. 

Each applicant will be individually underwritten so that their policy is perfect for them. No one-size-fits-all mindset with Liberty Mutual, you get personalized coverage that meets your needs and your budget. To learn more, or to find out what your premium quote will be, you can visit the Liberty Mutual website directly and try the calculator out for yourself.

Bottom Line

Having auto insurance may be mandatory, but that doesn’t mean you should settle for mediocre coverage at a high price. Liberty Mutual has decades of experience within the industry and has created comprehensive policies that are not only affordable, but are perfectly tailored to your unique needs. With coverage for all types of vehicles and with add-on insurance at your fingertips, Liberty Mutual is there to help keep you protected when you need it most.

Visit the Liberty Mutual website today to learn more about their auto insurance policies as well as see what other types of insurance you may be interested in. Well-rounded and with added discounts for those who bundle, Liberty Mutual is your one-stop-shop for all of your insurance needs.