To get discounts for Liberty Mutual membership, the customer must be a member of the armed forces, a teacher, a full-time student, a member of an affiliated credit union, or an employee of an affiliated company. Liberty Mutual membership discounts generally save eligible members between 5% and 10%. In addition, Liberty Mutual does not participate in the Consumer Affairs accreditation program, which could also explain the disparity in ratings. Liberty Mutual offers bodily injury liability coverage, property damage coverage, collision coverage, comprehensive coverage, medical payment coverage, personal injury protection coverage, uninsured motorist coverage, uninsured motorist coverage, and optional coverages, such as accident forgiveness, lifetime repair warranty, and replacement of a new car.
From the company's market share to its position for the future and community participation, we'll go over everything you need to know about Liberty Mutual. Liberty Mutual partners with Enterprise Rent-A-Car and offers discounted rates and direct billing, but you can select a different rental vehicle provider depending on your preferences. If the company begins to offer affordable rates to consumers and to find innovative ways to better serve customers, Liberty Mutual could move toward regaining its largest share in the United States. The National Association of Insurance Commissioners (NAIC) is the primary regulatory body for insurers in the United States.
Originally known as the Massachusetts Employee Insurance Association, Liberty Mutual opened its first branch in 1914. The recent Consumer Affairs report shows a less positive picture for Liberty Mutual, based on more than 100 ratings submitted last year. Once again, if you look at the companies and rates listed here, you can see that Liberty Mutual charges the most expensive annual rates based on travel time compared to the other premiums listed. It may also be cheaper to buy your own policy if you go to school in an area with lower car insurance rates or if one of your family members has a poor driving record, which increases premium costs. The table below shows that, for brand and model rates, Liberty Mutual once again has the highest rates in all aspects.
See the table below, which reveals the average rates offered by Liberty Mutual compared to the average for each state. If you're not asked to review the discount options, contact your insurance agent or Liberty Mutual customer service to discuss what discounts you might be eligible for. Options such as no-accident and non-violation discounts could make a big difference in how much you have to pay for car insurance each year. Liberty Mutual was consistently satisfied in every way, from the ease of contacting an agent to the politeness of the agent.