Is Liberty Mutual the Cheapest Auto Insurance?

If you are in the market for an insurance policy that does not skimp on coverage, then Liberty Mutual Auto Insurance is the place for you. The idea that cheap is expensive has most often proven itself true, whereby the cheapest insurance policy usually comes at a high price when you are involved in an accident. However, compared to other significant insurers based on rates offered, coverage, and discounts, Liberty Mutual's ratings may convince you that it is the best insurer for you.

Liberty Mutual Auto Insurance Compared To Other Auto Insurers

Liberty Mutual vs. Geico Insurance

Geico Insurance beats Liberty Mutual on the overall ratings as it offers better pricing and services for most of its clients. On the other hand, Liberty Mutual is an excellent option for teenagers looking for insurance as it provides more coverage.

J.D. Power Ratings: 867/1,000

AM Best Rating: A

Google Play Rating: 4.6/5.0

Overall Rating: 4.0/5.0

2. Liberty Mutual vs. Allstate Insurance

Liberty Mutual beats Allstate insurance based on factors like policyholder reviews, third-party endorsements, and the average cost of premiums. In addition, Allstate Insurance's financial stability rate is slightly higher than that of Liberty Mutual Insurance as determined by AM Best.

J.D. Power Rating: 3.6/5

AM Best Rating: A

Google Play Rating: N/A

3. Liberty Mutual vs. Farmers Insurance

In terms of the consumer ratings concerning company prices, customer service claims service, and other aspects of its services, Farmers Insurance and Liberty Mutual are among the most popular automobile insurance companies. Farmers insurance beats Liberty mutual in the overall ratings, but Liberty mutual offers better services at the buying process and prices of policies.

J.D. Power Ranking: About Average

AM Best Ratings: A

Google Play Ratings: 4.2/5

Liberty Mutual's Auto Insurance Discounts

Liberty Mutual's list of potential price breaks is rather long, and discounts offered to vary from state to state. Deals you may qualify for include:

• Homeowner
• Being a new customer
• Being an active, retired, or reserved member of the U.S. military
• Buying a policy online
• For students with good grades or those leaving their car at home while in school
• Getting a Liberty Mutual quote before your current policy expires.
• Insuring multiple cars

And many other discounts you can learn about by speaking to a Liberty Mutual agent.

Liberty Mutual's Standard Auto Policies

With Liberty Mutual Liberty Mutual auto policies you can include several other types of optional coverage, including:

• Accident forgiveness: Your premium won't increase if you've had five years accident-free. This may vary by state and is not offered in California.
• New car replacement: In the first year after you bought your car, Liberty Mutual will refund you the cost of a new car if you take out this coverage.
• Better car replacement: This car replacement policy provides money for a car that's a year newer in the event you total your current one, subject to restrictions.
• Deductible fund: By adding this feature to your policy, Liberty Mutual creates a fund that reduces the deductible for your collision. The insurer pays $70, while you spend $30 yearly.
• Gap insurance: If your car is damaged and you owe more than it was worth on your loan or rent, gap insurance pays the difference.
Teachers' Auto Insurance: Although it may not be offered where you reside, it is provided to teachers at no additional cost and covers personal property and collision coverage.