One of the most common discounts is the safe driver discount, available to drivers without traffic violations or accidents. 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. If you don't qualify for Liberty Mutual's accredited driver discounts, there are other ways to save on your premium. Liberty Mutual also offers separate accidents and non-violations discounts, but the amounts and requirements vary from state to state.
Each insurer uses its own algorithm to calculate premiums, so even if Liberty Mutual is charging you a high premium, you may be able to find a cheaper policy with another insurer. 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. Whether you can shorten your commute to work, use more public transportation, or even ride more bikes, driving fewer miles each year could lower your Liberty Mutual premium. Liberty Mutual also charges married drivers similar rates to those paid by single drivers, which is less common.
In addition, Liberty Mutual rewards customer loyalty with discounts for insuring more than one car and combining several policies, such as home and car. That's because Liberty Mutual offers special savings opportunities for drivers in this category, such as discounts for students who maintain a GPA of at least 3.0. 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. Other ways to save money on your car insurance premium aren't necessarily discounts, but changes to your policy that create savings.
Liberty Mutual discounts can save drivers up to 30% on their car insurance, and customers who qualify for multiple discounts can save even more. Liberty Mutual doesn't have a single “safe driver” discount, but it rewards safe driving with a number of benefits. Liberty Mutual offers a wide variety of discounts that can help lower your overall car insurance bill. Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer.
Yes, the type of car you drive, especially cars with certain safety features, may offer you certain discounts.