Liberty Mutual Car Insurance Review
Liberty Mutual, the sixth largest property and casualty insurer in the United States by written premiums offers a variety of car insurance products. In addition to the standard coverage options, including bodily injury liability, property damage liability, uninsured/underinsured motorist, and collision, it also offers supplemental and specialty car insurance.
Its auto insurance comes with a variety of discounts for safe drivers and other benefits, such as accident forgiveness. Additionally, its RightTrack program can track your driving habits and earn you a discount based on how well you drive.
New car replacement coverage
Liberty Mutual offers new car replacement coverage, an add-on policy that will pay for the cost of a replacement vehicle in case yours is stolen or totaled. This coverage is offered in select states, and is available for cars that are less than a year old and have fewer than 15,000 miles on them.
Without this coverage, if you have a totaled car and the insurance company declares it a total loss, you’ll be reimbursed for its actual cash value (ACV). However, this amount is often too low to buy a similarly priced new vehicle.
That’s why some insurers offer an optional coverage called “Better Car Replacement.” This program pays out if your vehicle is totaled and the insurance company decides to replace it with a model that’s one model year older and has 15,000 fewer miles on it. This option isn’t offered in all states, but it’s a nice perk for some drivers who can afford to spend more on their premiums.
You can purchase this coverage as an add-on to your policy, and the price is typically 5% of your annual premium. The money from this fund will help lower your collision deductible if you get into an accident.
Other add-ons include a Lifetime Repair Guarantee, which ensures that you’ll receive repairs made with original parts from Liberty Mutual-approved auto shops. And you can also add a guaranteed insurability option, which means that you’ll be eligible for your next policy renewal regardless of changes in your health.
Finally, Liberty Mutual has a variety of discounts and rewards programs to help make its policies more affordable. These include a Group Savings Plus discount for employees of participating companies and members of affiliated organizations, as well as a defensive driving course discount.
If you’re looking for an insurance company with a high reputation and a large customer base, Liberty Mutual is worth considering. It’s an AM Best-rated provider and has a wide range of discounts to help you save on your premiums. In addition, Liberty Mutual offers a free mobile app and a wide selection of safety features.
24/7 roadside assistance
Liberty Mutual’s roadside assistance program can help you get back on the road when you have a car issue. It can include things like towing to a repair facility, battery jump starts, flat tire changes and fuel delivery. It also has an app that lets you track the progress of a service call.
Liberty’s 24/7 roadside assistance is available for a reasonable cost. It’s a great way to save money if you often drive away from home or if you have a long commute.
You can add roadside assistance to a new or existing Liberty Mutual auto policy for around $1 per month, but it may vary depending on your vehicle, location and other factors. The company also puts a limit on the number of service calls you can make in a year.
In addition to the usual roadside assistance services, Liberty Mutual offers a lifetime repair guarantee on cars that are repaired by their network of approved shops. They will pay the shop directly and you can track repairs on their mobile app.
Additionally, Liberty Mutual provides rental car reimbursement as an optional add-on to your policy. They can deliver a rental car to you while your car is in the shop and will return it when repairs are completed. Availability varies by state.
If you need a rental car while your vehicle is being repaired, this coverage can be a lifesaver. It pays for the cost of a rental car until your car is repaired or until your car insurance policy’s daily limits are reached.
This coverage can be purchased separately or as part of an extended auto warranty or comprehensive cover. It varies by state but includes a $100 annual credit towards a “collision deductible bank.”
A Liberty Mutual representative told us that it can take an hour for a tow truck to arrive at your location. The wait time is dependent on your location, the time of day you call and other factors.
Liberty also offers a variety of discounts that can lower your auto insurance costs. These include multi-car, multi-policy, paperless and pay-in-full discounts.
RightTrack safe driving program
Liberty Mutual offers a telematics program called RightTrack, which is a safe driving program that helps policyholders save on car insurance by tracking their driving habits. It also provides 24/7 roadside assistance for emergencies such as gas or battery problems.
The RightTrack program uses a smartphone app and a “tag” device that attaches to the windshield. The tag communicates information to the app, which allows drivers to see the results of their driving and receive tips and other reminders about safe driving habits.
While it is important to keep in mind that usage-based programs typically don’t provide the top end discounts that many drivers are promised, it is possible to earn a discount of up to 30% with this program. This discount depends on the individual’s driving behavior and can vary from driver to driver.
This program is especially useful for young drivers, who often face sharply increased premiums because of their age and lack of experience behind the wheel. By using a RightTrack device to monitor their driving habits, these drivers can prove their trustworthiness and earn a lower rate.
Insurers used to rely on standard categories of information when setting rates, such as age, credit history and marital status, but today’s telematics technology allows them to tailor their policies based on drivers’ behaviors. The results of these programs allow insurers to calculate the risk involved in insuring specific drivers.
Once a driver has signed up for the program, they’ll be sent a “tag” device to attach to their windshield. This device will track their driving for a period of 90 days and send the data to the app. After the 90-day tracking period, Liberty Mutual will calculate a discount that applies to the driver’s policy for the life of their coverage.
The program is a good choice for Liberty Mutual customers who have high auto insurance rates due to their demographics, driving records or credit scores. It also works well for those who commute from home and want to drive less.
The RightTrack program works by sending an alert to the smartphone app whenever you’re driving a certain distance or time of day, and when your speed is above a pre-set limit. The app also displays a variety of emoticons that indicate how you performed in terms of your driving habits. You can view this data in the app or through the company’s website.
Discounts for safe drivers
Liberty Mutual car insurance offers a number of discounts for safe drivers. They include good student discounts, car safety features discounts and multi-policy discounts. Depending on your situation, you may also qualify for accident forgiveness or a deductible fund.
Getting a discount on your auto policy can make a big difference in the amount you pay for coverage each month. The best way to get a discount is to have a great driving record. This is one of the easiest ways to save money with Liberty Mutual car insurance.
If you’re a safe driver, you can get up to 30% off your premium for life with the RightTrack program. This telematics-based program uses an app or plug-in device that monitors your driving habits.
The app or device collects data that shows how many miles you drive per year, your speed and other factors. Liberty Mutual then analyzes the information to determine your risk level and how much you can save.
RightTrack is a great option for Liberty Mutual customers who want to reduce their average car insurance costs. The app is free to use, and you can earn a discount on your premium for every other driver on your policy who uses the app.
To start the program, you need to sign up for a new policy and use an activation code that you will receive in an email. You can then download the app and follow the instructions to begin tracking your driving.
After 90 days, you’ll be able to review the data and see if your driving is contributing to a lower car insurance rate. Afterward, you can receive the savings directly from Liberty Mutual.
Another good thing about the RightTrack program is that it’s easy to use. You can download the app or plug-in device and start collecting data in a few minutes.
In addition to the RightTrack program, Liberty Mutual also offers a number of other discounts for safe drivers. These include a good student discount for students who maintain a B or better grade point average, an anti-theft device discount for vehicles with active or passive alarm systems and a distant student discount for those who live far away from school but still need to drive.