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Liberty Mutual offers everything from auto and homeowners insurance to workers' comp and commercial insurance. The insurer has acquired a number of smaller companies, including Safeco Corp. and Wausau Insurance. Through local insurance companies owned or affiliated with Liberty Mutual, the company offers policies in many countries, including but not limited to Brazil, India, Russia, Spain, Thailand, Turkey, the United Kingdom and Vietnam.
|#1Geico Auto Insurance ›|
|#2State Farm Auto Insurance ›|
|#3Progressive Auto Insurance ›|
|#13Liberty Mutual Auto Insurance ›|
Better Car Replacement coverage means if your car is totaled in an accident, Liberty Mutual will not just replace the car but provide enough money to purchase a car of the same model that is one year newer with 15,000 fewer miles on the odometer. This ensures that policyholders wind up with a better car, which is a great feature and one that is fairly unique to Liberty Mutual.
In case of an accident, customers can file a claim over the phone, online or through their mobile phone for maximum convenience. Once the claim has been filed, it is possible to track it online. In fact, customers can send photos and documents, find appraisal information, and do many other things online through their personal account.
Liberty Mutual offers a good number of discounts, including some that are rare or unique to this company. Examples of this include a new graduate discount, which encourages students to complete their education, a newly married discount, a new move discount and a newly retired discount. Although they don't have the widest number of discounts compared to other major auto insurance companies, they do have an impressive array of them.
Liberty Mutual offers a free app for iPhones and Android phones that gives access to many of these same features. In case of an accident, the claim can be filed, pictures of damage taken and uploaded, location of the accident mapped on GPS, and a voice message created to store key information all through the mobile app. It is user friendly with a simple layout. Also, Liberty Mutual has a reputation for processing claims fairly quickly, and the addition of a convenient app only makes the process that much faster.
Claims may be filed over the phone, online or with the mobile app. Tracking is available through the mobile app.
It should be pointed out that policy rates are not particularly impressive. They are comparable to other insurance companies but by no means among the lowest. There are definitely more affordable rates out there, so consumers who are chiefly interested in saving money will want to look elsewhere.
Rates seem to have gone up substantially compared to other companies. In fact, Liberty Mutual seems to raise their insurance rates fairly constantly, and the raises in cost are not small. Though the company was praised for offering a wide number of discounts, this is somewhat negated by the constant rate increases. There are plenty of insurance companies who offer fewer discounts but cheaper rates for across-the-board savings.
There are many complaints about Liberty Mutual not providing 24-hour customer support. Online and mobile phone options can be accessed at any time, so customers can acquire emergency assistance or file a claim at any time. However, actually talking directly to an agent or claims representative seems to be a challenge during off hours. Customer service does not seem to be as good as other places, and complaints are widespread.
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We had Liberty Mutual for many years until recently. We switched our auto insurance because Luberty Mutuals rates for teenage drivers were higher than their competitors.
Liberty Mutual is the only car that offers better car replacement. I appreciate them because they think outside the box and try to give you the best service.
Good coverage for reasonable rates, but rates increase every term. 4 stars instead of 5 for Teen driving rates being much too high.
we have had this insurance for our cars and home for anumber of years. We were able to get a discount by bundling home and cars. Good to adjust when we have had to change our policy.
They helped me through 2 repair procedures with no questions.
Very friendly. Great rates. Great website
Good service and personal. We have our homeowners policy with them as well. They are higher than we paid in VA, but Georgia rates are higher across the board
Nice beginning rate, then next year big increase
They do what they say. Their road services are top rated in my book. Customer service I rank very high. I have had several insurance companys in the past and none can hold a candle to Liberty Mutual.
several different alternatives, car replacement, easy pay
Any claims or questions have always been handled very quick and everyone I speak with is friendly, professional and helpful.
Based on the TV adverts, I detest this company. It plays to millennials who feel that they are entitled to much more than they should be. I hate the commercials and would never seek this company out.
So Impressed by this company! They handled legitimate claims quickly and professionally.
Best customer service ever. Very helpful and they are always curtious!
Great agent who is opwn about all options and customized my coverage for my needs
fast, efficient, good priced. Customer service is good, trustwothy
a little high in my opinion for what they have to offer you
The agent lied to me. I had Geico, I went to liberty mutual because of homeowners insurance and the experience isn't good
Price, service and ease of access. It is easy to speak with representatives/humans.
Great customer service , fair price, quick claim settlement
Good service, good value, fair. You deal with a real person and they respond.
Always available to answer questions or solve problems when you call.
Double coverage for less money, great customer service ,agent well informed and willing to listen to your needs.
Their prices are reasonable and their service is excellent
They have been great except the increases in Premiums? When I have never file a claim to anything
Liberty Mutual has great customer service and the process to fulfill claims is smooth and simple. Their online platform is very good and allows you to check your policy documents, change your policy, etc. all online. The only issue with them is that they are often over-priced when compared with competitors. I see Liberty Mutual as the Verizon of insurance companies. Best quality for the highest price.
I felt like Liberty Mutual thought of me as a policy number and not an individual customer. I feel they need assessable and individual service people for different areas who you talk to
Rates are high for a used paid off vehicle
My car was hit and the person who hit me has this insurance. When I called to report the accident, the process was fairly quick and painless. I was upset because of the accident but I appreciate the claims process being easy.
I love the wide variety of discounts offered.
I had a multi-policy with Liberty Mutual for my cars and home. I went with it because I received a good discount from Liberty Mutual through my husbands work. This company was great when I had a small fender bender in a parking lot. The customer service quickly walked us through the steps so we could get our claim in and our car fixed.
When a company pulls their ads from a TV show over "alleged" charges & out of court high $$ "settlements" in an attempt to influence what/who I watch, I will no longer do biz with them. A very scary tactic to determine "approved" TV content & going down a very slippery slope. As for my opinion directly related to Liberty Mutual car insurance, I was getting very tired of their annual +/-10% rate increases DESPITE a perfect driving record with yet another insurance company. Thankfully, I never needed to file a claim.
I have been with Liberty Mutual for both auto insurance and renters/homeowners insurance for years, and every time I shop around I can't find any company that can beat the rates I am getting along with the great service and good coverage. I consistently get really good customer service when I call in, I can get a hold of my local agent if I really need to , which I rarely do because the 1-800 service center always takes really good care of me. I just added my 2 teenage boys to my auto policy, and amazingly after all of the discounts we qualified for, the rate is not nearly as bad as I thought it would be. In fact it's a really good rate that I thrilled with! Maybe its because we have been with them so long, but whatever the reason I am a very happy customer and very pleased with the rates I pay, the service I receive, and the coverage provided. I am a very satisfied Liberty Mutual customer!