Yes, Liberty Mutual offers discounts on defensive driving courses, but only in states that legally require it. Thirty-four states and the District of Columbia require insurance companies to offer defensive driving discounts to eligible drivers, although the exact amounts and requirements of the discount vary. Opting for a higher deductible on any of your Liberty Mutual insurance policies can lower your premium. Read the full answer on traffic accidents and violations, which would increase your Liberty Mutual premium.
RightTrack, Liberty Mutual's telematics program, rewards you for driving well with a discounted premium. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term. Even if Liberty Mutual doesn't offer discounts for older drivers in your state, there are other ways to lower your premium. Overall, married couples pay about 9% less for car insurance than single drivers because they're less likely to file a claim.
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. If Liberty Mutual doesn't offer a discount for driving defensively in your state, you should still consider taking a course. Liberty Mutual also offers a good discount for drivers who don't have accidents, so learning more about safe driving could help you save in the long run. 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.
Expensive cars, sports cars and cars with high theft rates are considered to be riskier to insure than cheaper and more practical vehicles. For example, Liberty Mutual offers an accident free discount, which gives a discount to drivers who haven't had an accident for a certain period of time. Liberty Mutual offers defensive driving discounts in 34 states and the District of Columbia for seniors who complete an approved defensive driving course. Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer.
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. Liberty Mutual also charges married drivers similar rates to those paid by single drivers, which is less common.