Liberty Mutual does not offer discounts for low miles. However, your Liberty Mutual insurance rate is likely to be based in part on your estimated annual mileage (the distance you drive each year). A number of auto insurance companies offer specific discounts for low mileage, such as Allstate, USAA, and State Farm. No, Liberty Mutual does not offer specific discounts for low miles.
However, Liberty Mutual premiums do take miles into account, since rates are an average of 26% lower for customers who drive 7,500 miles a year than for customers who drive 15,000 miles a year, according to data from WalletHub. One of State Farm's biggest discounts is the Drive Safe and Save telematics program, which monitors and provides feedback on speed, brakes and other driving factors. State Farm offers you a discount just for signing up, and once you start using the app, you can get up to 30% off safe driving habits. However, keep in mind that the cost of car insurance will ultimately depend on a number of factors, such as your age, location, gender, driving experience, and annual mileage.
Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teens and college students. We also included a step-by-step guide on how to buy car insurance and explain why car insurance is worth your money. Drivers with low mileage often save on their Liberty Mutual premium because less time on the road means a lower chance of filing a claim. One of the benefits of being a member of a credit union is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company.
Whether you're taking out car insurance because you just bought your first car or because your current insurance contract is about to expire, it's a good idea to review the steps to buying car insurance. With the exception of New Hampshire and Virginia, every other state requires drivers to buy car insurance or pay some type of fee if they don't have insurance. To qualify for the Liberty Mutual multi-car discount, the customer must insure more than one vehicle with the same Liberty Mutual auto insurance policy. However, comprehensive insurance only covers damage to your car that results from something other than a vehicle, such as theft, damage caused by fire, hail, or vandalism.
Searching for prices and comparing prices from at least three different insurance companies can help you get the cheapest car insurance rate, without sacrificing significant coverage. Some state insurance commissioners also provide information about the average car insurance prices in their state. If you want to compare car insurance quotes from different companies, the QuoteWizard marketplace is an excellent option. In addition to offering lower premiums for drivers with low mileage, Liberty Mutual offers discounts for students, without accidents and without violations, among others.
For example, if someone gets into your car and steals your laptop, the insurer will pay to replace the window and any other damage caused to the car, but not to the computer.