Safety features, such as airbags and anti-lock brakes (ABS), offer an average discount of 2 to 3%, but can be much higher in some cases. This is how the main airlines compare when it comes to discounts on airbags that are above average. In addition, Liberty Mutual rewards customer loyalty with discounts for insuring more than one car and combining several policies, such as home and car. Because your credit history is correlated with your likelihood of filing an insurance claim, Liberty Mutual uses your credit data to calculate your premium in states where it is legal.
The uninsured driver protects the insured party against damage when the at-fault driver has no insurance. If you've been driving safely for at least 5 years, you could be eligible for a more affordable car insurance rate. The average discount on professional car insurance is 12%, and what you pay depends on your insurance company and your work. Damage or loss at school caused by acts of vandalism, collision, theft of school supplies or items in your car are under the protection of this policy.
Liberty Mutual doesn't have a single “safe driver” discount, but it rewards safe driving with a number of benefits. Insurance discounts for safe, uninjured drivers generally save the most, followed by auto insurance discounts for college students. Collision insurance is optional coverage that pays for the cost of repairing or replacing your car after an accident. If you repair your vehicle at a Liberty Mutual-approved repair center and allow them to handle the rental, Liberty Mutual will pay the rental expenses for as long as necessary to repair your car.
Liberty Mutual offers a wide variety of discounts that can help lower your overall car insurance bill. If you can't drive your car due to an accident, this coverage helps you pay for a car rental or other transportation expenses. Car insurance discounts can reduce your rates by an average of up to 27%, but they can be much more than that, depending on your driver profile and the insurance company. Liberty Mutual is so cheap because it offers a wide variety of discounts and is the sixth largest insurer by market share, helping Liberty Mutual to keep prices competitive.
For example, Liberty Mutual offers discounts to drivers who insure multiple vehicles on their policy or who pay for their entire policy in advance. Liberty Mutual is very expensive because of agent fees and the overall increase in costs for insurance companies.