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. 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. 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. Get lots of free quotes from different car insurance companies to see if any of them offer a better rate than your current company for your insurance needs.
Not all auto insurance companies offer low mileage discounts on car insurance, but those that do require drivers to drive less than a specified number of miles per year to qualify. 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. 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. The USAA low mileage discount for auto insurance and the low mileage discount for AAA car insurance will have different requirements than the low mileage discount for traveler car insurance or the low mileage discount for Sfeco car insurance.
Drivers who aren't on the road are generally less likely to have an accident and file a claim, so insurance companies often offer discounts on car insurance to drivers with low mileage. A discount on low-mileage car owners insurance requires you to drive less than 10,000 miles per year, while State Farm car insurance discounts for drivers with low mileage require that you drive less than 7,500 miles per year. Your car insurance rates will be lower and the insurance company will have less risk of having to pay a claim, since you are less likely to have an accident if you drive fewer miles per year. Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teens and college students.
Your insurance company will clearly indicate how you need proof of mileage in order to issue a discount on car insurance. Since then, she has worked as a news writer in the insurance industry and has gained in-depth knowledge of state and national insurance laws and rates. If you drive less than average and want to try to save on your car insurance policy, then you should look for car insurance that offers a discount for low miles.