Many companies offer discounts if your car is 3 years old or older. You may need to meet specific criteria. For example, Allstate stipulates that the car must be the current model or the previous year and that you must be its first owner. To find the best price and the best company for you, look for car insurance quotes at least once a year.
That's why it's so important to compare car insurance rates, even if you receive a loyalty discount (or other). Insurers reward loyalty with discounts for long-time customers and for those who have multiple policies or cars insured under the same policy. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term. Some insurers offer special discounts on car insurance to former students of certain universities, Greek life alumni, and members of professional organizations such as the United States Library Association.
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. You can reduce the costs of your Liberty Mutual car insurance by taking advantage of Liberty Mutual discounts, opting for a higher deductible and reducing your coverage, among other things. Of the 10 largest auto insurance companies, Farmers lists the most discounts on its website, with 23 available. Yes, Liberty Mutual offers loyalty discounts for insuring more than one car and for purchasing multiple policies with the company.
Opting for a higher deductible on any of your Liberty Mutual insurance policies can lower your premium. 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. Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer. In addition, the company offers a wide variety of general auto insurance discounts that can help auto insurance customers save even more.
Expensive cars, sports cars and cars with high theft rates are considered to be riskier to insure than cheaper and more practical vehicles. RightTrack, Liberty Mutual's telematics program, rewards you for driving well with a discounted premium.