At Liberty Mutual, students receive a discount for earning a GPA of B or higher with our good student discount. Mercury is a regional company that offers affordable average rates for car insurance in Richmond. While your premiums aren't the lowest on our list, they're still well below the state average for minimum and total coverage. There are several discounts that could help you lower your rate even more, such as an automatic payment discount, an anti-theft device discount, and a discount for eligible students.
Opting for a higher deductible on any of your Liberty Mutual insurance policies can lower your premium. Liberty Mutual is very expensive because of agent fees and the overall increase in costs for insurance companies. Liberty Mutual insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident. If you don't qualify for Liberty Mutual's accredited driver discounts, there are other ways to save on your premium.
Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term. There are 17 Liberty Mutual discounts for auto insurance customers, ranging from discounts for good drivers to discounts for cars with modern safety features. Although Liberty Mutual doesn't offer discounts on dash cams, buying a dash cam could be worth it in the long run. Liberty Mutual also offers separate accidents and non-violations discounts, but the amounts and requirements vary from state to state.
Active-duty members of the military, veterans, and eligible family members can access some of the best car insurance rates in Richmond through USAA. 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. For example, Liberty Mutual offers discounts to drivers who insure multiple vehicles on their policy or who pay for their entire policy in advance. Liberty Mutual doesn't have a single “safe driver” discount, but it rewards safe driving with a number of benefits.
If you can't get any of Liberty Mutual's safe driver discounts, there are other ways to save on your fare. Liberty Mutual doesn't offer a specific marriage discount, which is typical among major insurance companies.