It's no surprise that this discount. Overall, married couples pay about 9% less for car insurance than single drivers because they're less likely to file a claim. You can reduce the costs of your Liberty Mutual car insurance by taking advantage of Liberty Mutual discounts, opting for a higher deductible and reducing your coverage, among other things. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term.
Each insurer uses its own algorithm to calculate premiums, so even if Liberty Mutual is charging you a high premium, you may be able to find a cheaper policy with another insurer. Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer. In addition, Liberty Mutual rewards customer loyalty with discounts for insuring more than one car and combining several policies, such as home and car. Opting for a higher deductible on any of your Liberty Mutual insurance policies can lower your premium.
For example, dashboard cameras can help prove fault in a car accident, prevent insurance fraud, and provide evidence in traffic courts. Liberty Mutual teacher car insurance offers discounted rates and other special benefits designed for educators, such as additional coverage for teaching materials and school-owned properties. In addition to the Liberty Mutual multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi-policy discount, the no-accident discount and the discount for advanced safety features, among others. RightTrack, Liberty Mutual's telematics program, rewards you for driving well with a discounted premium.
Because your credit history is correlated with your likelihood of filing an insurance claim, Liberty Mutual uses your credit data to calculate your premium in states where it is legal. In addition, Liberty Mutual has benefits that drivers can get over time, such as the cancellation of the accident and the replacement of a new car. Liberty Mutual also offers separate accidents and non-violations discounts, but the amounts and requirements vary from state to state. 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.
Liberty Mutual offers accident forgiveness as an optional coverage that you can add to your auto insurance policy if you qualify.