If you have an accident on your record, compared to a driver with a clean record, rates will increase by 38 percent. Maintaining a good driving record and a good credit score can lower your rates. You can also increase your deductible: you'll pay more out of pocket if you file a claim, but you'll pay less for monthly premiums. Regardless of which insurance company you use, speeding tickets, car accidents, or DUIs listed on your driving record will increase your car insurance premiums and you will become a higher-risk driver.
However, Liberty Mutual premiums do take miles into account, since rates are an average of 26% lower for customers who drive 7,500 miles a year than for customers who drive 15,000 miles a year, according to data from WalletHub. Liberty Mutual doesn't have a single “safe driver” discount, but it rewards safe driving with a number of benefits. Car insurance data includes coverage analysis and details about drivers' vehicles, driving records, and demographic information. The discounts offered by auto insurance providers also target particular categories of drivers, so be sure to ask if there are additional discounts by calling American Family or Liberty Mutual customer service at the American Family or Liberty Mutual phone number.
It's also worth noting that Liberty Mutual has a usage-based insurance program called RightTrack, which can help drivers with low mileage save money. Drivers with low mileage often save on their Liberty Mutual premium because less time on the road means a lower chance of filing a claim. Since both American Family and Liberty Mutual are two of the 10 companies that represent the majority of the auto insurance market share, they have the means to offer a wider range of auto insurance coverage that goes beyond the six standard coverages listed below. Having a conviction for driving under the influence of alcohol on your record can seriously affect the amount you pay for car insurance.
Read on to compare American Family insurance and Liberty Mutual insurance, or enter your zip code to find affordable auto insurance rates in your area. Liberty Mutual also charges married drivers similar rates to those paid by single drivers, which is less common. For example, Liberty Mutual offers discounts to drivers who insure multiple vehicles on their policy or who pay for their entire policy in advance. American Family is definitely a better option than Liberty Mutual if you have a teen driver in your home.
American Family car insurance rates are 67 to 94 percent cheaper than Liberty Mutual car insurance rates overall. You can get the full payment discount from Liberty Mutual if you pay the full cost of your home or car insurance policy in one or two payments. To qualify for the Liberty Mutual multi-car discount, the customer must insure more than one vehicle with the same Liberty Mutual auto insurance policy.