Liberty Mutual Insurance Reviews 2023
Why Liberty Can be a Perfect Fit for You?
Last Updated: May 15, 2023
| To Call For A Quote | 24/7 Roadside Assistance |
|---|---|
| 1-800-295-2723 | 1-800-426-9898 |
| Social Media Handles | |
|---|---|
| Website | www.libertymutual.com |
| www.facebook.com/libertymutual/ | |
| twitter.com/LibertyMutual |
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Pros and Cons
- Wide range of available coverage
- Several discounts to reduce your costs
- Can be completely used through a digital platform
- Pretty expensive before discounts
- Below average auto claim satisfaction rating
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| Car and Motorcycle | Antique and Classic Car |
| Boat and Watercraft | ATV and Off-road vehicle |
| Umbrella | Recreational Vehicle |
| Homeowners and Renters | Condo |
| Landlord | Mobile Home Insurance |
| Umbrella | Flood Insurance |
| Life and Accident Insurance | Critical Insurance |
| Identity Theft | Pet Insurance |
| Tuition Insurance | Small Business Insurance |
| Coverage Type | Things That Are Covered | Is It Required? |
|---|---|---|
| Bodily Injury And Property Damage Liability | Property damage from an accident that you caused, costs for injuries and deaths. | Mostly, yes. |
| Uninsured or Underinsured Motorist Coverage | Property and Medical Damages after accident with driver who has insufficient insurance or none at all | Normally, required. |
| Collision Coverage | Repair expenses from traffic related accidents | Usually, a car loan or lease requires it. |
| Comprehensive Coverage | Repair expenses incurred as a result of occurrences beyond your control, such as weather, striking an animal while driving, theft, and vandalism. | Usually, a car loan or lease requires it. |
| Accident forgiveness | If you have a clean driving record for five years, your first accident will be forgiven. Meaning, the premium won’t increase even after your first accident. |
| New Car Replacement | If your car is totaled during the first model year and 15,000 miles, you will be compensated for the full cost of a replacement car, not just the depreciated value. |
| Better Car Replacement Insurance | If your automobile is totaled at any age or mileage, you will be paid for a car that is one year newer and has 15,000 fewer miles on it than your total car. |
| Rental Car Reimbursement | Liberty Mutual will pay you for your rental car if your vehicle is fixed at an approved repair facility. |
| Road Side Assistance | This add-on service offers 24-hour roadside assistance and covers towing, jump starts, emergency fueling, and flat tires. |
| Types of Discounts | Details |
|---|---|
| Homeowner | Homeowners may save more money on their insurance policies. |
| Military | Discounts are available to active, retired, and reserve members of the United States military. |
| Early Shopper | If you get a quotation before your auto insurance expires, you might earn a discount if you join up with Liberty Mutual. |
| Good Student | Full-time students with a B average or higher are eligible for discounts. |
| Student- Away- At School | If your child is away at school and only uses your vehicle on occasion, you will obtain a cheaper insurance cost. |
| Advanced Safety Features | You are eligible for a discount if your car includes sophisticated safety features such as anti-lock brakes, electronic stability control, or adaptive headlamps. |
| Alternative Energy | If you own a hybrid or electric vehicle, you may be eligible for a cheaper premium. |
| Anti- Theft Device | Vehicles fitted with anti-theft equipment are eligible for further discounts. |
| Accident Free | You might save even more money if you have a clean driving record. |
| Violation Free | You might reduce your premium if you have no tickets or infractions on your driving record. |
| Right Track | Enroll in the RightTrack safe driving program to earn a participation discount and a final discount of up to 30%. |
| Multi-Policy | If you have numerous Liberty Mutual policies, you are eligible for a discount. |
| Multi-Car | Families that buy automobile insurance from Liberty Mutual save more money on premiums. |
| Preferred Payment | Enroll in automatic payments and save money. |
| Full payment | To earn a discount, pay your fee in one or two installments rather than monthly. |
| Online Purchase | You will receive a discount if you obtain a free quotation online and purchase a policy. |
| Paperless Policy | When you sign up to get bills through email rather than mail, you can save money on insurance. |
| Dwelling Coverage | Protects you from property damage that includes your home, fences and driveways. Might also include protection from fire, water, theft, vandalism and weather. |
| Personal Property Coverage | You can receive actual cash value for the damaged or stolen personal property that you insured. |
| Personal Liability and Medical Payments to Other | If anyone suffers accidental damage in your home, this coverage helps you to cover their expenses. |
| Additional Living Expenses/ Loss Of Rent | If you ever have to shift due to unavoidable damage that struck your home like fire, thunderstorm, hurricane- this will cover your accommodation until your house is habitable. |
| Scheduled Items | Personal Property Coverage | Inflation Protection |
| Flood Insurance | Replacement cost for belongings | Water backup and sump pump overflow coverage |
| Earthquake Coverage | Blanket Jewelry Coverage | Identity fraud expense coverage |
| Hurricane Coverage | Umbrella Coverage |
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| Organization | Liberty Mutual Rating | Description |
|---|---|---|
| AM Best | A (Excellent) | Company that has an excellent ability to meet their ongoing insurance obligations. |
| NAIC | 1.14 (auto), 0.11 (home) | The company receives more than average complaints about auto insurance, and significantly fewer complaints about home insurance. |
| J.D. Power | 876 (auto), 806 (home), 823 (renters) | Customers satisfaction from the company are below average I.e., 880. |
Customer Reviews
Max Javier
The estimate was not cost-effective but Liberty Mutual Insurance mentioned utilizing quality staff and elaborated the process.
Jean Beckham
I can’t be delighted enough! Liberty Mutual Insurance and its staff did a great job.
AJ Reddy
To those in need of their services, I speak highly of Liberty Mutual Insurance – I couldn’t be happier! Not to mention its workers who have been distinctly professional, efficient, and courteous to our wants.
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Frequently Asked Questions
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How to file a claim with Liberty Mutual Insurance?
Filing a claim with Liberty Mutual Insurance is as easy as reporting it online or through its mobile app. You can also call 800-225-2467 to report a claim.
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How to get a quote from Liberty Mutual Insurance?
To get a free quote from Liberty Mutual Insurance you can visit the company’s website directly or call 800-295-2723.
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Who should sign up for auto insurance from Liberty?
Students who have good grades and are eligible for discounts or families needing multiple insurance policies can be the best fit to sign up for auto insurance policies from Liberty. Also, people suitable for the discounts mentioned above, like clean driving records or someone compatible with getting paperless insurance policies, can sign up for auto insurance.
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