Liberty Mutual's Auto Insurance for Drivers

Lucy Lazarony
January 11, 2021

Since 1912, Liberty Mutual has grown into the sixth largest global property and casualty insurer. Headquartered in Boston, Liberty Mutual has employees and customers around the world. How big is Liberty Mutual? Liberty Mutual has 45,000-plus employees worldwide and does business in 29 countries. Liberty Mutual has three business units, personal insurance lines, including auto, commercial insurance lines and Liberty Mutual Investments. Let’s take a look at the auto insurance products offered by Liberty Mutual as well as the discounts available to auto insurance customers.

Liberty Mutual Auto Insurance

Here are the different kinds of auto insurance coverages offered by Liberty Mutual Auto.

Medical Payments. This insurance coverage pays for initial medical expenses related to an accident, regardless of who is at fault. Passengers in your car also are covered.

Uninsured Motorist Coverage. If the other driver in an accident is uninsured, this coverage will pay for your injuries, up to the limit that you choose.

Personal Injury Protection (PIP). This coverage addresses medical expenses as the result of a car accident. PIP coverage, unlike medical payments coverage, can take care of expenses beyond initial medical care.

Bodily Injury Liability. This insurance covers initial medical treatment for your passengers. Bodily injury liability covers medical expenses, legal fees, lost income, pain and suffering and bereavement costs.

Property Damage. When you are found legally responsible for a car accident, this insurance pays for costs associated with repairing or replacing another person’s property. This coverage includes damage to mailboxes, fences and other kinds of property.

Collision Coverage. This insurance pays for damage to your vehicle when it collides with another vehicle or object such as a tree or a guardrail.

Comprehensive Coverage. This type of insurance pays for damages to your vehicle from incidents other than a collision. Comprehensive insurance coverage includes fire, hail, theft and vandalism.

Liberty Mutual Deductible Fund. Customers with collision coverage who pay an extra premium can reduce their deductibles by $100 each year.

Lifetime Repair Guarantee. With this coverage, Liberty Mutual Auto helps you find an approved direct repair facility after an accident.

New Car Replacement. If your new car is totaled in the first year, you’ll get money for a brand-new car and not just your wrecked car’s depreciated value.

Better Car Replacement. If your car should be totaled, Liberty Mutual Auto will give you the money for a model that is one year newer.

Rental Car Reimbursement. If you are in a covered accident, Rental Car Reimbursement will pay for the cost of a rental car. And if you choose to have your car repaired at a direct Liberty Mutual approved repair facility and allow Liberty Mutual to arrange for the car rental, Liberty Mutual will pay for rental costs for as long as it takes to fix the car.

Towing and Labor. This coverage offers 24-hour roadside assistance and includes help for a flat tire, dead battery, running out of gas, getting locked out of your vehicle and towing assistance.

Gap Coverage. If a leased car is totaled and the car’s value is lower than the amount you owe, Gap Coverage will cover the remaining amount on the lease.

Teachers Car Insurance. This type of insurance offers protection to a teacher’s car on school grounds and includes coverage for vandalism, collision, and stolen teaching supplies and stolen school property from a teacher’s car.

Original Parts Replacement. This kind of insurance allows you to replace any damaged parts of your vehicle with parts that meet the highest quality standards.

Mexico Car Insurance. This required coverage is for all vehicles traveling to Mexico. For this coverage, you choose coverage limits, duration of the policy, and the type of vehicle you will be traveling in.

Discounts from Liberty Mutual Auto

Looking for ways to save money on your car insurance premium with Liberty Mutual Auto? There are many different kinds of discounts available. Scoop up as many as you can and save money on your car insurance.

Homeowner Discount. Being a homeowner earns you a discount with Liberty Mutual Auto. It’s that simple. Own a home and get a discount.

Military Discounts. Active, retired and reserved service members in the U.S. Armed Forces all receive discounts from Liberty Mutual Auto.

Early Shopper Discount. Get a new auto insurance quote with Liberty Mutual Auto before your current policy expires and you’ll receive an Early Shopper discount.

Good Student Driver. If you or your student has a GPA of “B” or better, you’ll qualify for a discount on your car insurance from Liberty Mutual Auto.

Student-Away-at-School Discount. You are eligible for a discount from Liberty Mutual Auto if your son or daughter is away at school and only occasionally drives your car.

Advanced Safety Features Discount. You qualify for this discount if you have advanced safety features on your car such as anti-lock brakes, electronic stability control and adaptive headlights.

Alternative Energy Discount. If your car is a hybrid or an electric car, you’ll receive a discount from Liberty Mutual Auto.

Anti-Theft Device Discount. If your car has anti-theft technology, you qualify for a discount.

Accident Free Discount. If you have a driving history of being accident free, you’re eligible for a discount from Liberty Mutual Auto.

Violation Free Discount. No violations on your driving history? You qualify for a discount from Liberty Mutual Auto.

RightTrack Discount. Sign up for the RightTrack program and you’ll receive both an initial discount and a final discount of up to 30 percent based on how well you drive. RightTrack monitors your driving behavior including braking, acceleration, nighttime driving and how many miles you drive.

Multi-Policy Discount. Have more than one insurance policy with Liberty Mutual such as a home insurance policy in addition to your auto policy and you’ll save money with a Multi-Policy discount.

Multi-Car Discount. Insure two or more cars with Liberty Mutual Auto and save money on your premium.

Preferred Payment Discount. Enroll in an automatic payment linked to your bank account and you earn a discount on your car insurance.

Pay-in-Full Discount. You’re eligible for a discount when you pay your full policy in just one or two payments.

Online Purchase Discount. Buy your car insurance online and you’ll qualify for a discount.

Paperless Policy Discount. Go paperless with your insurance policy and you are eligible for a discount on your car insurance with Liberty Mutual Auto.

If you’re interested in finding out what rate Liberty Mutual Auto will offer you, let us also compare against the other 200+ companies we work with so you get the best value in car insurance. The process is easy and free. Start by entering your zip code below.

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