Liberty Mutual (Reviews on Liberty Mutual Insurance) is one of the biggest car insurance offers in the U.S. and has extensive offerings. In this article, we are going to review a look at Liberty Mutual Insurance to offer insight into the company’s customer experience.
The company customers can get access to some great benefits, including robust coverage options and numerous discounts and digital tools.
Reviews on Liberty Mutual Insurance – Type of Policies
Liberty Mutual offers many different types of life insurance policies depending on your needs. The following are types of life insurances offered by the LBI.
Whole Life Insurance
In this aspect, they offer a guaranteed tax-free death benefit and have level premiums, they build cash value. The company offers several different types of whole life insurance like simplified issue and single premium coverage.
Term Life Insurance
The Term life insurance provides short-term coverage for 10, 15, 20, or 30 years. There is a guaranteed death benefit and your premium will never change during the term. The company term life insurance policies include a built-in conversion guarantee, a variety of riders, and the option to convert to permanent coverage at any time.
Liberty Mutual also offers fixed annuity life insurance coverage, where you make one premium payment and get guaranteed income during retirement. There are two options, the single premium deferred annuity and fixed indexed annuity.
About Liberty Mutual Insurance
THE Liberty Mutual is an international Group insurance provider that was founded in Boston in 1912. They offer many auto insurance policies and add-on coverage options for drivers nationwide.
The insurer consistently ranks well in auto insurance reviews and studies. Liberty Mutual tied for first place with Farm in the large insures category for overall customer satisfaction in the J.D. Power 2021 U.S. Insurance Shopping Study.
When it comes to the mobile experience, drivers have mainly left positive reviews for the company. The Liberty Mutual mobile app has a 4.8-star rating out of 5.0 averaged from more than 181,000 ratings in the App Store and a 4.7-star rating out of 5.0 in Google Play, averaged from more than 34,000 reviews.
They also have an A Excellent rating from AM Best, which indicates its financial ability to pay out claims. The company has a solid reputation with Better Business Bureau too, with a B rating.
Liberty Mutual Car Insurance Coverage
The company offers a lot of standard insurance plans, they include:
- Comprehensive insurance
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Underinsured/uninsured motorist coverage
- Liability car insurance (bodily injury/property damage)
- Collision insurance
Liberty Mutual Insurance Pricing and Policy Discounts
The company costs are average in comparison to those of competitors. It can be more expensive for some drivers, but it may be one of the most affordable options for younger drivers due to the company range of car insurance discounts.
Liberty Mutual’s discounts vary by state, but some common options include:
- Vehicle discounts
- Personal discounts
- Driving discounts
- Policy discounts
There is a quote for 215 per month for a full coverage policy. This quote was for a 26-year-old driver who owns a 2018 Honda Accord and drives 12,500 miles per year. The cost for this policy comes out to n$2,580 a year, which is higher than the national average of $1,732.
Keep in mind that this should only be used as a general estimate of what you can expect to pay. Your personalized car insurance premiums will be based on Location, Vehicle, Driving history, credit score, age, gender, and marital status.
Why you Should Choose Liberty Mutual
The following are reasons why you should consider the company:
- The company is enhancing its technology innovation, especially when it comes to auto insurance.
- They offer customers room to use Liberty Mutual Claims Valet Service
- The top of digital ease of use, Liberty Mutual’s draw comes from its variety of coverage and discount options.
- If you want to upgrade your ride, they help you total by replacing it with a car that is one model year newer and has 15,000 fewer miles
- You can enroll in the company Deductible fund. Each year, you pay $30 and Liberty Mutual contributes #100 to a deductible fund.
- They are a good car insurance company for you if you value companies with unique features, coverage options, and discounts.
Policies Offered by Liberty Mutual
The company offers a wide range of commercial coverage options including business interruption, worker’s compensation, and commercial auto. The following are other personal insurance options include:
- ATV, off-road and recreational vehicles
- Mobile home
- Antique and classic cars
How to Get Liberty Mutual ID
You do not have to wait to get ID cards in the mail from Liberty Mutual. The company has a page on its website that makes it easy to download your ID cards online, even if you don’t have login information easily accessible. You may also access your ID cards through the Liberty Mutual mobile app.