Insurance

Liberty Mutual Insurance Review

Liberty Mutual Insurance Summary

Liberty Mutual is one of the country’s largest car insurance companies. They have many different types of coverage and you can find policies that work for your needs. However, you’ll want to read through this review to learn more about the company before you sign up with them.

Pros

  • Annual policies with rates that won’t change
  • Optional add-ons
  • Plenty of digital tools
  • Many discount options

Cons

  • Above average complaint rate
  • High costs for certain types of drivers
  • Can only call a centralized call center for over the phone help

Overview

Liberty Mutual is well known for having a high financial strength rating. That means the company can pay out for legitimate claims with ease. You also have access to plenty of online tools including calculators, online quotes, online claim filing, and more. If you want a provider that’s convenient to use from home, this company has many options for you.

You also have many different choices, so you can pick something that’s within your budget. Overall, Liberty Mutual has a vast selection of coverage options for you.

Suitable For?

Liberty Mutual is best for those who want an entirely online experience. They have a strong app and website, allowing you to make claims and talk with customer service through the internet. If you don’t want to use online features, then you won’t have much use for this company.

Types of Coverage

Liberty Mutual has many different forms of auto coverage that you can make use of. They include:

  • Collision coverage
  • Liability coverage
  • Accident forgiveness
  • Rental reimbursement
  • Accident forgiveness
  • Gap coverage
  • New car coverage

You can also receive discounts for having a safe driving record, being a good student, or having more than one car insured by Liberty Mutual. You’ll want to take advantage of all the discounts that you can.

The Sign Up Process

Whenever you go to sign up for a new insurance company, it’s essential that you get a free quote first. You can do this by visiting the company’s website and finding their “free quote” section. From there, you can fill out the information they require. You’ll need to know your vehicle identification number, your social security number, and have your license on-hand. 

After they send you your free quote, you’ll want to compare it with other offers. From there, you can determine whether or not you want to take their offer. You should have easy access to a link in the quote they send to your email, which leads to a sign up page.

Overall, you can start the sign up process by getting a quote from the insurance provider. It doesn’t take too long to fill out, as long as you get everything ready ahead of time. Liberty Mutual doesn’t require much more information than other services in the same industry.

Rates

If you’re curious, Liberty Mutual offers a car insurance calculator. You can use this to determine what your rate may be, before requesting that they send you a free quote. The average monthly price for a good driver with Liberty Mutual is about $370- which is pretty expensive. However, you can bring that rate down with more discounts.

That amount comes out to an average annual cost of $4,450 for a policy, which is too much money for most people. You’ll want to ensure you have some discounts associated with your account before signing up officially.

Drivers with an accident on their record have to pay $478 on average, which is still very high when compared to other companies. 

Help and Support

Liberty Mutual is open 24 hours a day, seven days per week. You can reach out to them at any time and expect to receive a helpful response. You can call them, email them, or reach out to them through their online chat. 

The customer service team has received plenty of positive reviews online. They have great respect for their customers and ensure that all of their needs are met. Most people say that they received great roadside assistance as well, although there are some outliers. The customer service team can also link you with various car repair shops to help you after an accident.

Summary

Overall, Liberty Mutual is a great insurance provider that offers an extensive range of protection. They have many options that you can browse through and select from. They are also well known for having a great app with plenty of online tools available for you to use 24/7.

Lee Okwei

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