Liberty Mutual does not offer discounts for low miles. However, your Liberty Mutual insurance rate is likely to be based in part on your estimated annual mileage (the distance you drive each year). A number of auto insurance companies offer specific discounts for low mileage, such as Allstate, USAA, and State Farm. No, Liberty Mutual does not offer specific discounts for low miles.
However, Liberty Mutual premiums do take miles into account, since rates are an average of 26% lower for customers who drive 7,500 miles a year than for customers who drive 15,000 miles a year, according to data from WalletHub. All major insurers offer discounts based on your driving record, vehicle characteristics and other criteria. For example, many insurers offer discounts that allow drivers to save a percentage on their rates if they bundle, insure more than one car with the same company, opt for electronic billing, pay online, set up automatic payments, or pay the policy in full in advance. Driving through a city with a high number of accidents can have a costly influence on your monthly rate.
Take a look at the Cincinnati statistics in the chart below. If those numbers concern you, call your insurance agent. Also, be sure to ask about Safe Driver discounts. Nationwide stands out from other auto insurance companies in Ohio with its pay-per-mile insurance option, SmartMiles.
Drivers with low mileage often save on their Liberty Mutual premium because less time on the road means a lower chance of filing a claim. As the fourth largest auto insurance company by market share in the United States, Allstate has done an excellent job with its online resources, starting with its Drivewise program. From new drivers to seniors, people want to buy car insurance from a company that makes it easy to get quotes online and fill out an application on their laptops. While they're at the top of the list of auto insurance companies by size, they may or may not be the best options for you.
Before buying a new car, you should get an auto insurance quote and decide if the cost of coverage fits your budget or not. If you've researched auto insurance companies in Ohio, you've probably been surprised by the number of companies trying to capture your business. Although Hastings Mutual is only sold through independent insurance agents in six states, it offers some of the most competitive auto insurance rates for Ohio car insurance with full coverage. When it comes to offering full coverage at a competitive rate offered by a financially stable company, you can meet all the requirements with Liberty Mutual.
The Guides Auto team has reviewed the best car insurance companies and will compare the top 10 car insurance companies in detail. After several years, he expanded his experience in insurance and obtained his license in health and also in AD&D insurance. The discount is automatically applied to qualifying Liberty Mutual policies, but it's not cumulative, meaning you won't get a bigger discount for insuring more vehicles.