Multi-policy discount You'll get a discount just for having more than one policy with us. It's no surprise that this discount that saves time and money is one of the most popular. For example, Liberty Mutual offers a preferential payment discount for drivers who set up automatic payments from a checking account, credit card, or debit card. There are 17 Liberty Mutual discounts for auto insurance customers, ranging from discounts for good drivers to discounts for cars with modern safety features.
RightTrack, Liberty Mutual's telematics program, rewards you for driving well with a discounted premium. For example, dashboard cameras can help prove fault in a car accident, prevent insurance fraud, and provide evidence in traffic courts. American Family is more lenient than Liberty Mutual to those with fair or bad credit when it comes to determining car insurance rates. 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.
Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term. Before evaluating the rates of these two companies based solely on credit ratings, learn about the specifications of your state's minimum car insurance requirements and compare the rates of several companies. Each insurer uses its own algorithm to calculate premiums, so even if Liberty Mutual is charging you a high premium, you may be able to find a cheaper policy with another insurer. If you can't get any of Liberty Mutual's safe driver discounts, there are other ways to save on your fare.
Although Liberty Mutual doesn't offer discounts on dash cams, buying a dash cam could be worth it in the long run. 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. The full-payment discount for homeowners, on the other hand, is only available to policyholders who are members of associations affiliated with Liberty Mutual.