Liberty Mutual Car Insurance Review
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UPDATED: Mar 13, 2020
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Liberty Mutual Group started many years ago, building a long successful history of working with consumers, helping them find the best automobile insurance coverage at the right price. In 1911, the state of Massachusetts passed a new law to protect employees, which required employers to have worker’s compensation insurance. This legislation prompted the founding of a company originally formed as the Massachusetts Employees Insurance Association in 1912. Two years later, the company issued its very first insurance policy for an automobile.
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In 1917, the company changed to its new name, the Liberty Mutual Insurance Company, and began writing other types of insurance such as public liability insurance. By 1930, Liberty Mutual had begun participating in community education, by distributing materials to educate high school students on driver’s education and safety. In 1937, Liberty Mutual had finished expanding its operations into every state in the nation. During World War II, Liberty Mutual serviced more policies in remote locations overseas than any other insurance company. Immediately following the war, back in Boston, the company opened the first center to rehabilitate injured veterans and bring them back to a normal, functioning life.
Fast forward a few decades, with the business enjoying continued growth and success, and Liberty Mutual had reached a huge milestone, with over $2 billion if premiums written by the 1970s. The business was structured from the beginning as a mutual company, which means policyholders also own the company, rather than stockholders. Liberty Mutual has operated with a mindset of bringing benefit to its policyholders throughout its successful history, and continues to do so today.
Liberty Mutual Insurance Group is headquartered in Boston, Massachusetts. The company has received an A, or “excellent” financial strength rating from the A.M. Best financial rating agency. Liberty Mutual has the stability and strength that comes from being one of the top auto insurers in the nation.
Liberty Mutual Group feels it has had success with its customers because of its dedication to a few clearly defined principles. First, the company understands that its policyholders depend on the promises made by the company, and Liberty Mutual behaves with integrity and upholds the trust of its customers by keeping its promises. Liberty Mutual chooses to build strong relationships with its customers and employees by treating them with respect and dignity. The company also strives to offer a superior set of products and services to its customers, with fair prices for consumers and a reasonable level of profitability for the company.
Liberty Mutual Auto Insurance is part of the Liberty Mutual Group, a group of companies that offers many products in addition to auto insurance. Consumers can find great prices on homeowner’s insurance, personal liability and insurance for valuable possessions. In addition, Liberty Life Insurance Company of Boston makes annuity and life insurance products available to consumers. One of the benefits for consumers is the ability to service all of their insurance needs with one company, in addition to receiving greater discounts and lower premiums for bundling different types of insurance coverage together. Liberty Mutual brings its products to consumers through a large network of relationships with employers, professional and alumni groups and credit unions. The company also services commercial insurance needs and has offices internationally to provide quality insurance to individuals and businesses worldwide in 14 different countries.
Liberty Mutual Insurance Group has invested in its online presence, building a consumer website that provides access to several useful insurance tools. The site is useful when looking for insurance discounts, and is complete with a model to help calculate and estimate insurance costs. Another tool estimates how much insurance savings are by state. The website even helps educate customers on how to compare car insurance, and explains what is covered by a car insurance premium. Current customers of Liberty Mutual can report new claims on the website, and monitor current claims online. Liberty Mutual has local agents; phone numbers can be found on its website, and a main telephone number for 24/7 customer support is also available.
Liberty Mutual is one of the insurance companies rated by JD power and Associates in a survey of auto insurance companies performed in mid-2000. Liberty Mutual Auto Insurance is the recipient of a three star rating, meaning they provide excellent customer service and offer consumers a simple way to contact the company for assistance, with helpful representatives and a minimum of wait time.
The company makes customer service a true priority, which extends past just selling insurance products. Liberty Mutual offers educational resources on its website to educate family members about the special situations and requirements for teen drivers, as well as seniors who are driving. Liberty Mutual even provides a little bit of fun on the website, with its 2099 driving game. The game simulates the future of driving, and allows players to avoid accidents, make car repairs after an accident, and race in real-time against friends on Facebook.
How much is Liberty Mutual Car Insurance?
Auto insurance premiums are dependent upon a long list of different factors, including the type of car an individual drives, how many miles he drives per year, any black marks on his driving history and how many years he been licensed to drive in his state.
To better understand the range of insurance rates across the nation, the California Department of Insurance performed a study, surveying many of the larger insurance companies and getting annual insurance quotes based on a hypothetical individual. Based on this study, a male, 40-year-old driver in a Honda Accord, commuting about 10,000 miles each year in California with a clean driving history, would be able to buy auto insurance from Liberty Mutual for approximately $1,346 per year. Insurance rates in California are continuing to drop, and average auto insurance for the state overall is $1,190 for 2011. Compare both Liberty Mutual Auto Insurance and California’s average to the average insurance rate nationwide, which is $1,442 for 2011.
Who has the Cheapest Car Insurance Rates?
Car insurance premiums vary by provider based on a car insurance company’s risk formula and the individual risk profile of a driver. There is no cheapest car insurance company for all consumers but a cheap car insurance comparison search will certainly help you find the best auto insurance rates for you. Get started and start shopping for car insurance by entering your ZIP code above.
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