The TeenSmart program helps young drivers learn to be safe on the road. Many insurance providers offer discounts for teen drivers to drivers who qualify. In addition, new drivers under the age of 25 should think about their state's auto insurance regulations and the coverage they'll need to be properly protected on the road when they purchase car insurance. For example, driving a new car or van for the first time is an important red signal for an insurance company.
The reduction applies at the beginning of the term, if two cars were insured from the start, or when a second vehicle is added to the policy. To be eligible for the Liberty Mutual multi-vehicle discount, a customer must insure more than one vehicle with the same Liberty Mutual auto insurance policy. Liberty Mutual discounts can save drivers up to 30% on their car insurance, and customers who qualify for multiple discounts can save even more. Liberty Mutual also offers separate accidents and non-violations discounts, but the amounts and requirements vary from state to state.
For example, Liberty Mutual offers discounts to drivers who insure multiple vehicles on their policy or who pay for their entire policy in advance. 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. Time is the best tool for new drivers over the age of 25 who want to save money on their car insurance, regardless of the insurance provider they choose. The expensive price is because insurance providers view teen drivers as high-risk drivers due to the increase in car accidents, distracted driving, and lack of driving experience.
A multi-car discount is similar to a multi-policy discount, since it refers to insuring many cars with the same insurer. Staying on your parent's insurance plan is the best option for a young driver to purchase affordable car insurance. 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. 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 doesn't have a single “safe driver” discount, but it rewards safe driving with a number of benefits. However, long-term foreign drivers must obtain or bring an auto insurance policy from a United States company.