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Liberty Mutual's car insurance guide will provide a wide variety of car insurance coverage options by analyzing rates according to your unique qualities, such as your age, gender, marital status, driving history, and credit rating. We also included external ratings of the most trusted agencies and compared discounts on auto insurance, types of coverage, and insurance programs based on the use of American Family and Liberty Mutual. Read on to compare American Family insurance and Liberty Mutual insurance, or enter your zip code to find affordable auto insurance rates in your area. The older we get, the more practice we have while driving.
When calculating auto insurance rates, providers use age as one of the most important variables. In most states, it's legal to base auto insurance premiums on marital status and gender; however, some states have banned it. Let's compare American Family and Liberty Mutual car insurance rates based on age, gender, and marital status. American Family car insurance rates are 67 to 94 percent cheaper than Liberty Mutual car insurance rates overall.
Liberty Mutual's rates for teenage drivers are nearly double those of American Family. American Family is definitely a better option than Liberty Mutual if you have a teen driver in your home. Enter your zip code below to compare auto insurance rates. Regardless of which insurance company you use, speeding tickets, car accidents, or drunk driving on your driving record will increase your car insurance premiums and you will become a higher-risk driver.
Once again, American Family is the best option if you have a bad driving record. Let's take a closer look at how each company handles different types of violations. American Family believes that causing an accident is more serious than receiving a speeding ticket. American Family's rates for having a speeding ticket will increase by 12 percent.
If you have an accident on your record, compared to a driver with a clean record, rates will increase by 38 percent. Liberty Mutual is a little more lenient with drivers who have an accident recorded on their record. Compared to a driver with a clean record, a driver with a speeding ticket will increase by 19 percent. However, for drivers who cause an accident, their rates increase by 30 percent compared to a driver with a clean record.
Both companies take DUIs equally seriously. Liberty Mutual and American Family rates increase by approximately 60 percent if you are the victim of a DUI. If you suffer any type of financial trauma, such as incurring medical debt or getting divorced, your good credit rating will decline in a matter of months. In most states, it's legal for auto insurance providers to base premiums on your credit rating; however, some prohibit it along with dependency rates by sex and marital status.
Auto insurance providers justify using their credit rating to decide their rates because of the premise that people with higher credit scores are more responsible and that, in general, they are less likely to file a claim. Let's see how American Family and Liberty Mutual consider their rates based on their credit score. American Family is more lenient than Liberty Mutual to those with fair or bad credit when it comes to determining car insurance rates. Drivers with bad credit will pay twice as much as a driver with good credit with Liberty Mutual.
If you have a lower credit score, American Family is a better option than Liberty Mutual. Before judging the rates of these two companies based solely on their credit rating, learn the specifications of your state's minimum car insurance requirements and compare the rates of several companies. Discounts from auto insurance providers vary widely and are generally focused on a company's principles and ideology. That's why, especially if you have a poor driving record or a low credit score, it's worth comparing prices.
Discounts can help offset high costs. However, if you have a vehicle recovery system, you can save 35 percent with Liberty Mutual, so it's worth checking out all the discounts offered by all companies. The discounts offered by auto insurance providers also target particular categories of drivers, so be sure to ask if there are additional discounts by calling American Family or Liberty Mutual customer service at the American Family or Liberty Mutual phone number. Since both American Family and Liberty Mutual are two of the 10 companies that represent the majority of the auto insurance market share, they have the means to offer a wider range of auto insurance coverage that goes beyond the six standard coverages mentioned below.
Be sure to look in more detail at special coverages, such as rent reimbursement, roadside assistance, guaranteed protection for cars (GAP), mechanical breakdowns, and recreational vehicles, such as off-road vehicles or boats. In the past decade, more or less, usage-based car insurance has become an individualized standard, and every major car insurance provider has a driving app that you can install in your car or use telematic mechanisms on your smartphone. If you choose the usage-based auto insurance option with Liberty Mutual or American Family, you should be careful when driving safely, as your rates may depend on it. Learn more about the usage-based auto insurance programs of each of these companies in our American Family car insurance review and in our Liberty Mutual car insurance review.
Buying car insurance is a major financial commitment, so you need to make sure you choose the right company to support you when you need it. Before making a decision, consider the company's financial strength, consumer satisfaction with the claims process, and customer concerns. Companies score better based on their ability to meet their current insurance obligations, such as balancing premiums charged and claims paid. And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers and the total number of complaints.
Let's take a closer look at the ratings of credible outside agencies from American Family and Liberty Mutual. Both American Family and Liberty Mutual are highly competitive and maintain a high level of customer satisfaction in the claims process. In addition, the financial future of both companies is strong. However, Liberty Mutual has a much higher customer complaint rate.
Before choosing Liberty Mutual, be sure to get more details on the NAIC website. Are you ready to buy car insurance? When you're not sure which company to choose, you can always use our FREE comparison tool to compare auto insurance quotes from auto insurance companies in your area. Pay online with your main credit card or checking or savings account. You can also use Liberty Mutual's automated phone service to make a payment.
You will then receive a claim number and, if necessary, a Liberty Mutual claims representative will contact you, typically within one business day. After several years, he expanded his experience in insurance and obtained his license in health and also in AD&D insurance. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. Liberty Mutual Insurance offers discounts on coverage for cars and homeowners, in addition to a wide range of other property and accident insurance products.