Candace Baker, Car Insurance Writer
@candacebaker
Yes, Liberty Mutual has a grace period of 30 days for new cars. This means that existing customers have 30 days to officially add a new car to their insurance policy and purchase any additional coverage that it may need. During that grace period, the new car will be automatically covered by the existing policy.
Keep in mind that your new car will only be covered by the types of coverage you already have. For example, if you have a liability-only policy and cause an accident, your insurance won’t cover any damage to your vehicle. It’s also important to note that the Liberty Mutual new car grace period only applies to existing customers. Drivers without an active insurance policy must purchase coverage for the vehicle as soon as they buy it in order to avoid driving uninsured.
If you’re currently a Liberty Mutual customer, you can add a new car to your policy by going online, using the mobile app, or calling 1-800-290-8711. After you add the vehicle, you should expect your rate to go up, though the amount depends on the type of car that you purchase. Also, if you’re insuring your new car while keeping the old one, Liberty Mutual offers a multi-vehicle discount that can help keep your rate manageable.
If you’re a new customer buying a Liberty Mutual policy, you will need to provide the company with the vehicle identification number (VIN) and your personal information, including your driver’s license number and SSN. Keep in mind that you cannot drive a new car off the lot without insurance, so you will need to have your policy set up on the same day that you buy the vehicle.
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