Liberty Mutual is a major U.S. insurance company offering auto, home, renters, motorcycle, life and other insurance products. Its auto insurance is designed to provide drivers with customizable protection based on their vehicle, driving habits, location and individual coverage needs.
Liberty Mutual offers core auto insurance protections including liability, collision, comprehensive and uninsured/underinsured motorist coverage. Depending on the state and policy, customers can also select additional protections such as roadside assistance, rental-car reimbursement, accident forgiveness and other optional coverage.
One of Liberty Mutual's notable features is RightTrack®, its usage-based insurance program. Drivers can receive an initial discount for enrolling and may save up to 30% based on qualifying safe-driving behavior. Availability and savings vary by state and individual policy.
Liberty Mutual also provides several ways for eligible drivers to lower their premiums. Available discounts can include multi-policy, multi-car, claims-free, violation-free, military, good-student, paperless, preferred-payment and online-purchase discounts. The company says customers who purchase customized auto insurance online could save 12% or more, although availability varies by state.
Drivers with a qualifying clean driving history may also be eligible for Accident Forgiveness, which can prevent the premium from increasing because of a first accident, subject to eligibility and policy conditions.
Liberty Mutual provides digital tools that allow customers to obtain quotes, manage policies, make payments, access insurance information and handle claims. The company also offers 24/7 roadside assistance as an optional coverage, subject to policy terms and availability.
Liberty Mutual may be a good option for drivers who want customizable coverage, safe-driving rewards, multiple discount opportunities and convenient digital services. However, premiums can vary considerably between drivers, so customers should compare personalized quotes using the same coverage limits and deductibles.
Before purchasing, customers should compare the final premium, liability limits, collision and comprehensive deductibles, optional coverage, exclusions and available discounts with other insurers.
