No, Liberty Mutual does not offer specific discounts for low miles. However, Liberty Mutual premiums take miles into account, as the rates are an average of. 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. One of the most common discounts is the safe driver discount, available to drivers without traffic violations or accidents.
Driving under the influence of alcohol is a serious traffic violation that can increase your car insurance rates in Richmond or cause your insurer not to renew your policy. 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. Virginia requires auto insurance for all drivers and requires them to carry proof of insurance in their vehicles at all times. 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.
Virginia is one of many states that allow auto insurance companies to evaluate credit ratings when determining auto insurance rates. The table below provides information on the average monthly costs of auto insurance with minimum and full coverage in Richmond. Middle-aged drivers can bundle their auto insurance and renters or homeowners insurance into a single policy, maintain a clean driving record, and maintain good or better credit scores to save money on rates. Teen drivers who are still enrolled in the policies of their parents or legal guardians can mitigate increases in car insurance premiums by driving safely, getting good grades, and keeping their car at home while out of school.
Other ways to save money on your car insurance premium aren't necessarily discounts, but changes to your policy that create savings. To stay competitive in a constantly growing market, Liberty Mutual offers many other discounts to try to keep insurance premiums as low as possible. Another way to save money on your car insurance premium through Liberty Mutual is to have a driver who is a student and maintains a “B” average or better.