One of the most common discounts is the safe driver discount, available to drivers without traffic violations or accidents.
Liberty Mutualoffers a loyalty discount to policyholders who continue to be reinsured with the company year after year. Each insurance company determines their rates differently, so while Liberty Mutual is among the cheapest car insurance companies, the only way to confirm that you've found the lowest price is to compare quotes from several companies. For example, Liberty Mutual offers discounts to drivers who insure multiple vehicles on their policy or who pay for their entire policy in advance.
Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term. Liberty Mutual also charges married drivers similar rates to those paid by single drivers, which is less common. Car insurance providers want to make sure that you can pay your annual fees smoothly and therefore take your credit history into account when offering you an initial rate. The full-payment discount for homeowners, on the other hand, is only available to policyholders who are members of associations affiliated with Liberty Mutual.
Liberty Mutual is very expensive because of agent fees and the overall increase in costs for insurance companies. As a safe driver, you can enjoy a discount on your Liberty Mutual Insurance insurance policy when you complete the online defensive driving course. RightTrack, Liberty Mutual's telematics program, rewards you for driving well with a discounted premium. Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer.
With the rise of Lyft and Uber, new insurance laws have been enacted to protect drivers who want to use their cars as part of their careers. Because your credit history is correlated with your likelihood of filing an insurance claim, Liberty Mutual uses your credit data to calculate your premium in states where it is legal. That's because Liberty Mutual offers special savings opportunities for drivers in this category, such as discounts for students who maintain a GPA of at least 3.0. In addition, Liberty Mutual rewards customer loyalty with discounts for insuring more than one car and combining several policies, such as home and car.