Yes, Liberty Mutual uses your credit score as a factor in determining your auto insurance rates, as do most major insurers. However, credit checks performed by auto insurers don't harm your credit rating and are only done in states where it's legal for your credit rating to affect your rates. Car owners can be a good fit for any driver with a good credit score. Not only does the company offer low average rates, but it can also include additional types of coverage for greater protection.
Auto-Owners sells a variety of promotions, such as supplemental insurance, reduced-value coverage, roadside assistance and the Personal Automobile Plus package, which includes 10 additional types of coverage, such as mobile phone replacement insurance. Auto-Owners also offers several discounts. Drivers with Liberty Mutual insurance can save money by taking advantage of discounts, bundling policies and participating in RightTrack. For example, drivers can combine their car insurance with home insurance, renters insurance, boat insurance, recreational vehicle insurance, small business insurance, or pet insurance.
In addition, drivers can add benefits such as car insurance in Mexico and car insurance for teachers for those traveling to Mexico or driving for official school business. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term. Because Liberty Mutual offers a lot of discounts, most drivers can combine several to get the most significant savings. Your car insurance rates won't increase if you score poorly on RightTrack, so Liberty Mutual drivers can try it risk-free.
Liberty Mutual insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident. As a result, people without credit pay about 67% more for car insurance than people with excellent credit, on average. Car insurance rates are affected by numerous factors, and in most states, credit-based insurance ratings are one of them. Fortunately, Liberty Mutual offers a variety of insurance products and coverages that drivers can combine.
Liberty Mutual offers a wide variety of discounts that can help lower your overall car insurance bill. In addition, since Liberty Mutual offers many different types of insurance, drivers may also qualify for a discount for multiple policies. USAA sells auto insurance to active and retired military service members and to eligible family members. Keep in mind that your credit score isn't the only factor used to determine your car insurance rates.