Liberty Mutual

CheapInsurance 's Review

Liberty Mutual is an insurance company that has been around for a long time. They offer a variety of insurance policies, from home insurance to life insurance to auto insurance. Their focus is on creating individual policies that fit the needs of their customer. From minimum coverage to motorcycle coverage and more, Liberty Mutual offers insurance on most anything with wheels to ensure you are completely covered in case of an accident, theft, or other mishaps.

Liberty Mutual Auto Insurance Policies

Their ability to customize an insurance policy is a way to make sure that you are not over insured or under insured. One thing that they offer is New Car Replacement coverage, which is included in all auto insurance policies. If your new car is totaled in an accident, they will replace it, rather than only paying off your loan and leaving you with nothing. This is a coverage that no one thinks about until they are involved in this type of situation.

Liberty Mutual Potential Discounts

Just as with any auto insurance, they offer different discounts that will help to bring down your premiums even more. Some that you may qualify for include:

  • Multi-car and multi-policy discounts
  • Hybrid vehicle discount
  • Vehicle safety features discount
  • Group discounts
  • Preferred payment methods discount
  • Teen driver discount
  • Good student discount
  • New graduates discount
  • And more

Liberty Mutual Customer Service

Much can be said about Liberty Mutual and their auto insurance policies. However, it often comes down to how you are treated if you have questions or need to file a claim. Their online services allow you to see your policy, pay your bill, and more, however, there comes a time when you need to speak with someone. Local offices are one source of information, as they have offices across the country. Reviews are mixed on their customer service, with communication being one of the biggest issues, but this is an issue that could be found with most any company.

Liberty Mutual Auto Insurance History

Liberty Mutual was founded in 1912 as the Massachusetts Employee Insurance Association when a law was enacted that employers must have some type of workers compensation insurance. In 1914, they wrote their first auto insurance policy and in 1917, their name was changed to the one that they use today.

Why Should I Choose Liberty Mutual Auto Insurance?

Understanding the pros and cons of choosing Liberty Mutual is essential. While insurance companies all claim to the “the best”, it is important to find the one that is the best for you and your particular needs.

PROS

  • Offer New Car Replacement on all policies
  • Accident Forgiveness is given for the first claim
  • Have a wide range of discounts
  • Offers motorcycle and other vehicle insurance
  • Offers home and life insurance

CONS

  • Customer service reviews are mixed
  • Some of the pros (New Car Replacement and Accident Forgiveness) are not available in all states

The key to deciding if Liberty Mutual is right for you is to do your own research. By evaluating your own needs with the benefits offered, you can determine if it is the right choice for you and your family.

 

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