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. 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. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. Liberty Mutual car insurance rates are based on your driving record and experience, along with factors such as the type of car you drive, your zip code, your insurance history, and more.
If you lease your car or have an auto loan, your lender will likely require you to have collision and comprehensive coverage. Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teens and college students. 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. 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.
In addition to offering lower premiums for drivers with low mileage, Liberty Mutual offers discounts for students, without accidents and without violations, among others. Because insurance is personal and depends on specific requirements, the best auto insurance companies may not be the same for everyone.