Based in Boston, Liberty Mutual Group (LiMu) is ranked the third-largest casualty and property insurer in the entire United States. Like all big players in the industry, the company’s services are not only available to customers in the States but also to the entire world. As of today, it has over 45,000 employees in 900+ different locations across the globe.
In terms of experience, Liberty Mutual Group has 108 years of experience since its establishment in 1912. All these and more are tangible reasons why you should consider Liberty Mutual Group as your auto insurance provider. From your personal automobile to your house, and even to your general liability, Liberty Mutual Group claims to keep them fit for emergencies. But of all its specialization within the insurance realm, car insurance is one of its biggest claims to fame.
How Does Liberty Mutual Auto Insurance Work?
One thing about the automobile insurance rate is that it depends on different factors that vary from person to person. With that in mind, Liberty Mutual Group offers different plans to meet your nest egg and level of risk. To help you with this, a coverage calculator that proposes your potential need is provided on Liberty Mutual Group’s website. This calculator considers your net worth, the age, and ownership of your vehicle as well as your own age.
Once you’re fine with the result, you can then proceed to make a quote or much preferably, contact an agent. This quote would be analyzed based on your state, car model, driving history, and lots more information, ready for you to customize. But then, you should always remember to compare the auto policies, deductible amounts, and most importantly, coverage policies. It would go a long way to help determine what’s best for you while saving cash.Back to top ↑
What Does Liberty Mutual Auto Insurance Cover?
When it comes to Auto insurance policies, every driver is unique. So, your coverage depends on your budget. Once you have a plan, the insurance covers almost everything that could fall through. Listed below are some auto insurance coverages offered by Liberty Mutual Group.
Medical Payment Coverage: This coverage pays your initial hospital bills if you are injured in a car accident regardless of the person at fault. Your extended well-being is also handled if you subscribe to an additional personal injury protection scheme.
Uninsured Driver’s Damage: This coverage pays for the injury you sustained in a car accident caused by uninsured drivers. For the passengers in your car, here’s what Liberty Mutual Group has in store for them after an accident:
- Bodily Injury Liability: This pays the initial medical bills of your passengers. It also covers the legal fees, lost income, bereavement costs, and more from the accident.
Property Damage: This pays for any legal fines concerning repairs or replacement of someone else’s property you damaged in a car accident. This includes damage done to fences, mailboxes, and lots more.
Collision and non-collision Coverage: This pays for damages to your car when smacked by another vehicle or object. If your car also suffers from fire, hail, vandalism, etc., you are covered under comprehensive packages.
Liberty Mutual Deductible Fund: This reduces your deductible by $100 every year if you pay extra premiums.
Lifetime Repair Guarantee: This coverage repairs your car in approved facilities after an accident
Car Replacement Coverage: Depending on your plan, this package gets you a new car of the same model or a year newer if your money is totaled in the first year.Back to top ↑
Getting insured at Liberty Mutual Group is not a big-ticket. About $250 or less per month should set you up. But then, that price depends on your state and other factors. However, you have lots of discounts to enjoy. For instance, if you’re a teen, insuring your car with Liberty Mutual Group would be a bonus depending on whether you are a student away at school or a student with high grades in school. Either way, Liberty Mutual Group is ready to reward your youth and hard work with discount policies available also for teachers!Back to top ↑
Based on the offers and coverages, there’s no reason why your car would feel less safe if insured with Liberty Mutual Group. More so, tons of extra services are also available to give you a good run for your money. Customer satisfaction borders a bit above average according to many users. And to top it all off, Liberty Mutual Group is ranked one of the top best in the US according to different sources.Back to top ↑