Liberty Mutual does not offer discounts for low miles. Most insurers require that all vehicles in the same policy be owned by people related by blood or marriage, but in some cases, insurers also accept roommates who are not relatives in exchange for discounts on several cars (since they can own or drive the vehicles together). In Pennsylvania, auto insurance premiums from the 40 largest insurers increased by an average of 12.7% in November, according to requests for rate increases analyzed by New York-based S&P Global Market Intelligence, a provider of information services and solutions for global markets. For example, Allstate offers discounts for new cars if the driver is the first owner of the car and the vehicle is a current model from the year or a previous year.
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. Yes, Liberty Mutual has a teacher discount in the form of reduced auto insurance premiums for teachers. Liberty Mutual doesn't offer a specific marriage discount, which is typical among major insurance companies. 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.
If you don't qualify for Liberty Mutual's accredited driver discounts, there are other ways to save on your premium. 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, dashboard cameras can help prove fault in a car accident, prevent insurance fraud, and provide evidence in traffic courts. Liberty Mutual doesn't have a single “safe driver” discount, but it rewards safe driving with a number of benefits.
Some insurers offer discounts for homeowners even if the policyholder hasn't taken out home insurance with them. We've seen insurers discount auto insurance premiums for liability and collision by approximately 10% or more for these good driving habits. Whether your child is a good student or has served in the military, their personal profile can be key to saving a good amount on their car insurance. 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.
Liberty Mutual takes a variety of factors into account when calculating your premium, although some, such as your age and location, are beyond your control.