Liberty Mutual Insurance Discounts and Driving Programs






Auto insurance is not cheap, but it is necessary. Fortunately, there are many ways to lower your monthly premiums. If you are considering Liberty Mutual Insurance Company, here are some of the discounts you can take advantage of and the driving programs you might enjoy.

Multi-Policy Discount

Liberty Mutual offers more than just auto insurance. The company also offers home owners insurance and even life insurance. Decide to use Liberty Mutual as your provider for two or more of these coverages and you can enjoy a 10% discount on both policies.

Good Student Discount

Good students who study and work hard in school to get high grades are considered to be more responsible and reliable. Liberty Mutual rewards them for their excellent study habits by offering a discount to any teen driver who has a “B” average or higher on their report cards.

Group Savings

The Affinity program has more than 14,000 employers, groups, alumni associations and credit unions that are members. If you are involved with any of these 14,000 different groups, you can qualify for another discount as a result of the group savings.

Multiple Cars

Driving more than one car and insuring all of them with Liberty Mutual can also help you save on the premium with another discount.

Low Mileage

Drivers who work close to home and don’t drive the car more than 7,500 miles in a year can enjoy a discount because they are not on the road as much.

Anti-theft Devices

Insurance companies like to know the car won’t be stolen, so anti-theft devices such as passive disabling devices and alarms will also help drop the premium level.

Anti-Lock Brakes

When these brakes are on all four wheels of the car, the owner can expect to receive a nice discount on insurance premiums.

Passive Restraint

If your car has motorized seat belts that automatically protect you, you will qualify for a discount. Multiple air bags located throughout the car will also help you save money on the monthly cost.

Better Car Replacement

Most insurance companies are very straightforward in the way they handle total-loss cars. The owner will be paid for the book value of the car, based on year, make, model, features and mileage. Liberty Mutual, however, offers something special. They offer a program where you will be paid the value of a car that is actually one model year newer and has 15,000 fewer miles on it. This will allow drivers to replace their car that was a total-loss with one that is slightly newer and maybe a little nicer. This is optional coverage, however, so keep in mind that it should be purchased separately.

Accident Forgiveness

Accidents happen to everyone at some point. Unlike most other companies, Liberty Mutual won’t raise your rates after just one accident. If you have driven 5 years without an accident and more than 3 years without a violation, then you may qualify for this program. The program is not available in California or North Carolina.

Unlimited Rental

This additional coverage option will also keep you in a rental car for as long as your car is being repaired by a Liberty-approved repair facility. This coverage should be purchased at the same time as your regular policy and there are some limitations to the amount that can be spent on a rental car.

New Car Replacement

Having a new car is a great feeling. Seeing it destroyed in an accident is devastating. If your new car that is less than one year old with less than 15,000 miles is a total loss after an accident, then you can get a vehicle that is brand new. Auto leases do not qualify for this program.

Guaranteed Repairs

Take your car to a Liberty Mutual Total Liberty Car shop and the repairs are guaranteed to be of the highest quality. We guarantee that you will have scheduled appointments to have the car looked at and you will receive a written estimate.

You will also get a copy of Liberty Mutual’s Limited Lifetime Warranty on the repair work that was performed and the company will make direct payment to the shop for you. This program is not available in Alaska and is known as the Superior Service Program in Massachusetts

With our Mechanical Parts Replacement program, we also guarantee that the car parts will be covered and replaced without taking into account depreciation costs that can wind up costing you more money.

Available Glass Coverage

Windows in the car are incredibly expensive. Protect your glass from debris that kicks up off the road with Comprehensive or glass coverage to keep everything safe and new.

Liberty Mutual Insurance offers the full range of coverage. They provide drivers with the necessary liability covered required in so many states, as well as medical payments and even personal injury protection. Choose coverage for uninsured and under-insured motorists to protect yourself form other drivers.

Collision will keep your car covered in the event of any accident and comprehensive coverage is ideal for people who want to know they car will be repaired or replaces should it be vandalized or stolen.


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