Liberty Mutual - Auto
About Liberty Mutual - Auto
Liberty Mutual offers several insurance types, including auto, rental and home, throughout the U.S. The company provides competitively priced home insurance, as well as add-on natural disaster coverage and discount options for new homes and policy bundling. Its user-friendly online platform makes it easy to request a quote and start a new policy.
Overall Satisfaction Rating
- 5 stars
- 4 stars
- 3 stars
- 2 stars
- 1 stars
Pros
- Discounts available
- Many customization options
- Affordable
Cons
- Customer service difficulties
- Not available in all states
Bottom Line
Liberty Mutual's auto insurance is ideal for those looking to buy affordable and customizable coverage online. The company offers an array of discounts and custom coverage options.
Top Liberty Mutual - Auto Reviews
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They have your best interests at heart. They always cover things I am not sure will be covered. Also the premiums remain pretty steady, so I don't have to go looking for a cheaper...
Read full reviewI had to sign up, pay and it was a great experience for me. I like the way you can talk to them about what happen and they listen. Liberty is a pretty good company… Feels like fam...
Read full reviewWhat is Liberty Mutual car insurance?
Liberty Mutual is an insurance provider with a broad range of auto policy coverage and benefit options. It offers some specialized and add-on coverage and significant discounts, as well as a user-friendly online policy management system.
What does Liberty Mutual car insurance cover?
Liberty Mutual’s most affordable package offers typical car insurance: bodily injury liability, property damage liability and uninsured motorist coverage. This basic coverage meets most auto insurance requirements, but you can choose from several additional coverages to round out your auto policy. Liberty Mutual's add-ons include:
- Medical payment
- Collision
- 24-hour roadside assistance
- Rental car reimbursement
- Accident forgiveness
- Lifetime repair guarantee
- New car replacement
- Better car replacement
- Gap insurance
- Teachers’ insurance
Liberty Mutual car insurance quotes and costs
Liberty Mutual doesn’t disclose its car insurance rates online, but you can inquire about services and get a quote on its website. Your policy rates depend on your age, location, driving record and more. We requested a quote for basic coverage for a 20-something driver with good driving history, and Liberty's easy-to-use quote generator suggested a package as affordable as $94.25 per month. The company also offers lots of discounts, including:
- Personal discounts: Deals based on your current situation, e.g., good student and homeowner discounts. Liberty Mutual also offers up to 45% off if you renew your policy before the current term is over.
- Automobile discounts: If your car has unique properties, like anti-theft or energy-saving features, you can get discounts.
- RightTrack: By using this tracking device and app program, you can get discounts for safe driving.
- Policy discounts: Liberty Mutual offers several discounts for those who pay upfront or online and those who purchase multiple policies at once.
You can get a quote by filling out a quick form on Liberty Mutual's website, and from there you can customize your insurance package to get the coverage you need.
Liberty Mutual car insurance FAQ
Does Liberty Mutual have cancellation fees?
Can you cancel car insurance at any time with Liberty Mutual?
Can I pay for Liberty Mutual insurance with my credit card?
Where is Liberty Mutual car insurance available?
Is Liberty Mutual car insurance good?
Yes, Liberty Mutual is a solid auto insurance company with relatively cheap rates and coverage you can customize to your needs. We like its easy-to-use website, its quote tool and the various discount options.
Liberty Mutual - Auto Reviews
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This is terrible customer service company. My insurance was in automatic payment my back return the money about 2 times. The mutual insurance did not contact me via text, phone or email to let me know I did not pay it and my bank return the money. They say it is my bank obligation to let me know. I don't recommend this company. It is their obligation to respect me as a customer and let me know if it is not pay when it supposed to pay. Now they want me to pay extra 25 fee. And I just knew about this problem because I contact them. I really don't recommend, the customer service needs to be improved. They are rude as well. If the company don't improve the customer and services it will fail.
I have been a customer with Liberty Mutual for 6 years and was disappointed to learn that they will not renew my policy because of a speeding ticket on my spouse and a minor scratch I was liable for a year ago. Isn't this why customers purchase insurance in the first place? Feels like a scam: they will take your money as long as there are no claims. As soon as there is a claim - they are no longer interested in your business.
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Worst Customer Service. I spoke to Lu at Sales department and after 10 min of conversation she hung up, then I called back and spoke to Juneau and after wasting 30min of conversation they quoted me double of my renewal premium and as soon as I told Juneau about it he hang up on me as quick as I could not even complete my sentence, What a rude Customer Service. I'm glad that I did not switch to Liberty Mutual. I rather stay with my current car insurance and get peace of mind than this unprofessional customer service of Liberty Mutual
I am not too happy with Liberty Mutual. They are ripping people off. Not a good place for car insurance Or house on anything. They ripped my family off & right by Christmas too so my little ones can not get a good Christmas cause of them.
I went online to pay house & truck insurance like I do every month but this time Nov 20 2022 it wasn't showing on my acct. I was paying every month without knowing payment wasn't being accepted. I received a $150 credit from them on July 11th, 2022. I called them. My car insurance was paid up they said. I didn't know why so I also asked about the house & truck insurance and they said it was paid for that month but would be due the following month. All 3 were to be on one bill when I set this up in Feb but they said it couldn't until car insurance was done with its contract so I have been paying 2 bills with one on automatic payments.
My husband has been driving his truck without insurance because of Liberty Mutual! I should have never stayed with them because they sent $57 a couple of years ago to collections. I called and was told before it went to collections that it was paid and Not to worry. Then 6 months later showed up on my credit report as not paid!!! I have disputed it twice but it still comes back on the report!!!
Please record your interactions with ANY of their employees. They will lie to get you to sign with them. Later, they will increase the premiums and claim they have no record of conversations they had with you. Claim they fixed a problem only to say they never heard of it. Not good people.
They promise to help you until you want new parts, used in the repair process of your car. They Bully you using letters to intimidate, and cohesive you into going to the cheapest shops, then they only allow a small percentage of coverage to get the right job done, this is after, their policyholder hit You with their vehicle. You're the Victim, and you're treated like a prison inmate. They are dishonest, unethical, and disrespectful. It takes 30 days to get a simple 1,600.00 and the process is messy. Liberty Mutual is not a company to will stay in business for long. They do not have a value, respect, dignity, or integrity in their company and employee ethics.
Safeco Liberty is attempting to steal over $2,000 from my family by devaluing our vehicle. I am a Gulf War Service-Connected Disabled Veteran and recently diagnosed with a VERY rare lymphoma due to chemical exposure during my service. The last problem my family needs is entering conflict, fighting an "American" business. Safeco-Liberty Insurance, is a dishonorable "American" company. Two months ago, my wife was involved in a collision in our 2007 BMW 328Xi. It was the other driver's fault, Liberty deemed our vehicle a total loss and their insurance adjustor (de)valued our BMW, which had 190,000 miles and great condition, at only $4,155. So, we went through the other driver's insurance, who appraised it at $5100. That's almost a $1,000 difference!
Both use Certified Collateral Corporation (CCC), which has settled in multiple class action laws suits and paid out millions of dollars in settlements and stated their business model is to devalue cars to benefit insurance companies. Yet, how is it that Liberty cites a lower valuation? We then received appraisals from TWO different companies and BOTH valuations are $6,400. They were appalled by the $2300 disparity. Yet, they weren't surprised because the appraisal was predicated upon CCC. The Claim Service Representative, by the name Jessica, is extremely rude, unhelpful, wants me to rush and agree to their terms, and has the audacity to say in an email, it "is not a negotiation." I opted to exercise my 3rd Party Appraisal Clause and when I notified Jessica, she was clearly unsatisfied, and upon requesting the name of the appraisal company they will use, was hesitant to provide the business, which is SCA Appraisal.
I Googled them to learn they're just as unethical as CCC. Clearly, Liberty fears objective appraisals and will do everything within their to cheat customers. I received much better service and respect from Farmer's and will change insurance companies. I received better service and respect from Farmer's and will change insurance companies. Even if I weren't a service-connected disabled Veteran and without lymphoma, I should be treated with dignity, morality, and decency. I shouldn't be forced to waste valued time fighting this, which the stress caused me to spend two days in bed will not relent until I receive the amount of $6,400.
I was a victim of an accident where the other party admitted fault. Decided that did not want to sue because the insurance stated they would fix my car at any given auto shop. At the very start of the claim, Safeco/Liberty Mutual was very distant and not at all communicative with me about the process. I had to initialize everything with everyone in the process except the auto shop was impossible to get in touch with. Finally a month or more later I was able to get my car in the shop and they helped me to even get a rental car for work. I live paycheck to paycheck in these hard times and need a car for work every day.
Then the emails between Mr. ** and Mr. ** stated the rates and what they would be paying. Safeco in the rates was severely undercutting the rates given by the auto fix shop (the only Mazda-certified shop in Arizona). The great communications of the auto shop were met with very poor communications by Liberty mutual. This has to be the worst insurance experience I've gone through. Safeco stated that they would not budge and never contacted me about any of this, I had to find out when trying to pick up my car when it was fixed. I live an hour and a half away from the auto shop, not to mention throughout the process had to take 2 non-paid days off work (I can't afford this).
Safeco stated my car was fixed and needed to be picked up or I would have to start paying for the rental car out of pocket. The auto shop stated that same day that they would start to charge me storage fees if not picked up that day. When I arrived they stated that the insurance refused to pay the $770.47 for the labor fees and that I will not be getting my car back till it was paid. I don't have $770.47 for this surprise expense. I needed a car, communicating with Safeco/Liberty Mutual was no help at all. They said that I would have to cover this and that they would not be helping at all.
They said I get to pick the auto shop, but nothing was communicated about me having to pay this surprise expense and was never able to get in touch with Mr. ** throughout the entire process (called, emailed, voicemail). Communication was the biggest factor where Safeco/Liberty Mutual failed, because if I was told that I would have to pay for something that I know I didn't have the money for then I would have taken my car to a shop less expensive.
I started to feel our $8000+ auto policy was really high. I called and they wouldn't budge. With a 20 year old car on it we asked to reprice without the car and it went higher. So I called 4 other companies and ALL were in the $2000 a year range (within $100). So basically we have been policy holders for auto since 2007, 15 years. (And home and used to have boats, 2nd home and an umbrella policy). So cannot tell but seems like we have been paying $6000 extra for at least 5 years maybe longer. SHOP SHOP SHOP every year because we became complacent and never looked around again til now. Prices for our other insurance was quoted much less as well.
Liberty Mutual - Auto Company Information
- Company Name:
- Liberty Mutual
- Year Founded:
- 1912
- Address:
- 175 Berkeley Street
- City:
- Boston
- State/Province:
- MA
- Postal Code:
- 02116
- Country:
- United States
- Website:
- www.libertymutual.com
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