Your qualification may allow you to get a discount on your car insurance rates of between 5 and 30% for the life of your policy. Anyone who uses the program is guaranteed a discount. The discount is automatically applied to qualifying Liberty Mutual policies, but it's not cumulative, meaning you won't get a bigger discount for insuring more vehicles. The full-payment discount for homeowners, on the other hand, is only available to policyholders who are members of associations affiliated with Liberty Mutual.
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. You can reduce the costs of your Liberty Mutual car insurance by taking advantage of Liberty Mutual discounts, opting for a higher deductible and reducing your coverage, among other things. 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 teacher car insurance offers discounted rates and other special benefits designed for educators, such as additional coverage for teaching materials and school-owned properties.
Opting for a higher deductible on any of your Liberty Mutual insurance policies can lower your premium. If you don't qualify for Liberty Mutual's accredited driver discounts, there are other ways to save on your premium. Liberty Mutual also charges married drivers similar rates to those paid by single drivers, which is less common. Do a Liberty Mutual review to determine if this auto insurance company is the most affordable car insurance for you.
Liberty Mutual insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident. Although Liberty Mutual doesn't offer discounts on dash cams, buying a dash cam could be worth it in the long run. 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. Keep in mind that the availability and eligibility criteria for each discount vary by state and, in most cases, Liberty Mutual does not disclose the amounts of the discounts.
Liberty Mutual also offers separate accidents and non-violations discounts, but the amounts and requirements vary from state to state. In addition to the Liberty Mutual multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi-policy discount, the no-accident discount and the discount for advanced safety features, among others.