- Drivers will find features such as accident forgiveness (first accident after five years of clean history) and lifetime repair guarantees at Liberty Mutual helpful
- There are a number of channels to access Liberty Mutual: website, local agents, and smartphone apps
- Some customer feedback has mentioned uncoordinated communication in their interaction with Liberty Mutual representatives, and rate increases without cause
Liberty Mutual Premium Comparison
Let's look at insurance quotes for three demographics and compare Liberty's rate with their competition. These sample quotes are from downtown Boston, MA.
|Driver Profile||Liberty Mutual||Allstate||GEICO|
|Single Male, 20 yr||$11,112||$3,540||$2,040|
|Single Female, 30 yr||$4,452||$1,392||$960|
|Married Couple, 45 yr||$4,308||$1,248||$876|
|Liberty Mutual Quote||Allstate Quote||GEICO Quote|
Helpful Auto Insurance Features
Liberty Mutual offers a number of features that are helpful to its customers, such as accident forgiveness, a lifetime repair guarantee, and new car replacement. For example, drivers who have had spotless driving records for the previous five years (regardless of where their vehicle was insured) can have their first accident forgiven without increases to their auto insurance premiums. The company is affiliated with a national network of auto repair shops. Policyholders who get their cars repaired at one of these shops receive a lifetime repair guarantee. Furthermore, should the insured car be less than a year old with no more than 15,000 miles driven, then it is eligible for Liberty Mutual's optional New Car Replacement program. If the car is completely totaled (outside of North Carolina and Wyoming), the insurer will pay for a new car, and not at the lower depreciated current value of the car.
Find the Cheapest Auto Insurance Quotes in Your Area
Community Service & Responsibility Mindset
While not directly related to its auto insurance business, the company maintains a foundation that donates back to community organizations as an extension of its "Responsibility" motto. Recently, it donated an undisclosed amount to the Wounded Warrior Project for Memorial Day in recognition of veterans' contributions.
Mixed Experiences with Premium Rates and Customer Service
Quotes from Liberty Mutual for car insurance can vary from state to state and city to city, underscoring the need for comparison shopping. We found that in California, Liberty Mutual's premium quotes ranked the company among the more expensive half of insurers in the state. In New Jersey, however, its rates trended towards the cheaper half of auto insurance. For this reason, it's important to compare quotes across at least three insurers to make sure consumers aren't losing money by overpaying for auto insurance.
Among on the feedback and reviews from Liberty Mutual's customers are claims that the company increased policy premiums with little or no notice and communication. While this may be the case for Liberty Mutual, it is also a common refrain we hear about other car insurance companies. One thing to note about Liberty Mutual's coverage is that rates are guaranteed for a year.
Liberty Mutual's auto insurance offerings can be accessed via its call center, website, a local Liberty Mutual agent/broker, or reps from its network of regional independent agent companies. At times, this vast network of representatives can result in uncoordinated communications between the teams of adjusters, agents, and claims representatives.
|AM Best Financial Rating (2013)||A|
|Better Business Bureau Rating (2013)||A|
|NAIC Complaint Index (2012)||0.98 (about average)|
How to File a Claim
Telephone Number: (800) 2CLAIMS (in numeric form: 800-225-2467)
To get a human on the phone, please follow these menu instructions:
- Press 1 for English, and then 2 for claims
- Press 2 for Automobile Claims
- Press 1 for glass-only claims, 2 for first-time claims, and 3 for already reported claims
- Press 1 if you are the policyholder or a representative, or 2 if you are a driver involved in an accident with a Liberty Mutual policyholder, or 3 for all others
Company website: www.libertymutual.com