Companies like Allstate, Geico, State Farm and most others offer discounts for driving well if you haven't had accidents for three to five years. This discount is normally applied automatically. If you don't qualify when you register, you can adjust your premium at the time of your next renewal if you haven't had accidents for the required time. The definition of a good driver may change slightly from company to company, so check with your agent for more information.
RightTrack, Liberty Mutual's telematics program, rewards you for driving well with a discounted premium. It's also worth noting that Liberty Mutual has a usage-based insurance program called RightTrack, which can help drivers with low mileage save money. Liberty Mutual discounts can save drivers up to 30% on their car insurance, and customers who qualify for multiple discounts can save even more. Yes, Liberty Mutual has a teacher discount in the form of reduced auto insurance premiums for teachers.
Liberty Mutual doesn't offer a specific marriage discount, which is typical among major insurance companies. The Power study indicated that nearly 12% of auto insurance customers used such programs and that nine of the top 10 passenger car insurers have UBI programs. Liberty Mutual's Coverage Compass helps customers understand the details of their insurance coverage. When enrolling in the policy, drivers receive a device that connects to the car's integrated diagnostic port (OBD) (standard for cars manufactured after 1999), which allows the insurer to record their drivers' data.
You can get the full payment discount from Liberty Mutual if you pay the full cost of your home or car insurance policy in one or two payments. Liberty Mutual is so cheap because it offers a wide variety of discounts and is the sixth largest insurer by market share, helping Liberty Mutual to keep prices competitive. In the event that your car is destroyed, Better Car Replacement provides you with the right coverage to replace your car with one that is a year newer than yours and that has 15,000 miles less than the one you have. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term.
Keep in mind that the availability and eligibility criteria for each discount vary by state and, in most cases, Liberty Mutual does not disclose the amounts of the discounts. Opting for a higher deductible on any of your Liberty Mutual insurance policies can lower your premium. 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.