Liberty Mutual Insurance offers discounts on coverage for cars and homeowners, in addition to a wide range of other property and accident insurance products. Liberty Mutual is so cheap because it offers a wide variety of discounts and is the sixth largest insurer by market share, helping Liberty Mutual to keep prices competitive. Yes, Liberty Mutual has a teacher discount in the form of reduced auto insurance premiums for teachers. Liberty Mutual teacher car insurance offers discounted rates and other special benefits designed for educators, such as additional coverage for teaching materials and school-owned properties.
In addition, Liberty Mutual rewards customer loyalty with discounts for insuring more than one car and combining several policies, such as home and car. Liberty Mutual also offers separate accidents and non-violations discounts, but the amounts and requirements vary from state to state. In addition to the Liberty Mutual multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi-policy discount, the no-accident discount and the discount for advanced safety features, among others. Liberty Mutual discounts can save drivers up to 30% on their car insurance, and customers who qualify for multiple discounts can save even more.
Keep in mind that the availability and eligibility criteria for each discount vary by state and, in most cases, Liberty Mutual does not disclose the amounts of the discounts. Overall, married couples pay about 9% less for car insurance than single drivers because they're less likely to file a claim. You can get the full payment discount from Liberty Mutual if you pay the full cost of your home or car insurance policy in one or two payments. Liberty Mutual insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident.
Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term. 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. 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. 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.
Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer.