Yes, Liberty Mutual has a multi-vehicle discount. To qualify for the Liberty Mutual multi-car discount, the customer must insure more than one vehicle with the same Liberty Mutual auto insurance policy. The discount is automatically applied to qualifying Liberty Mutual policies, but it's not cumulative, meaning you won't get a bigger discount for insuring more vehicles. Liberty Mutual car insurance rates are based on your driving record and experience, along with factors such as the type of car you drive, your zip code, your insurance history, and more.
For example, New Jersey requires all insurers to offer discounts to drivers whose cars have certain anti-theft devices, and the state specifically includes vehicle recovery systems that communicate with the police in the list of eligible devices. If your car is broken down and you owe more on your loan or lease than it was worth, Gap insurance will pay the difference. However, Liberty Mutual offers a good student discount, as getting good grades shows the insurer that you are responsible off the road, which means that you're more likely to also be responsible when you're in the driver's seat. Liberty Mutual's discounts for good students vary by state, but it's always worth checking if they're available in your location.
Liberty Mutual received a near-expected number of auto insurance complaints from state regulators regarding its size, according to three-year data from the National Association of Insurance Commissioners. In some states, you can get a discount for allowing Liberty Mutual to control your driving through its RightTrack program. Liberty Mutual offers a rental valet service to policyholders who include car rental reimbursement in their policy. In addition to auto insurance, Liberty Mutual offers a variety of personal and commercial insurance policies.
By adding this feature to your policy, Liberty Mutual creates a “fund” to reduce your collision deductible. If your car is damaged in a covered accident but can still be driven, Liberty Mutual will deliver a rental car to your location while your car is in the shop for repair. When you're looking for car insurance coverage, it's important to understand what coverage you want and what you should buy. Regardless of the insurance savings, LoJack can be a smart buy, especially if you live in a high-risk area or if your car is particularly attractive to thieves.
Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teens and college students.