Yes, Liberty Mutual has a teacher discount in the form of reduced car insurance premiums for teachers. Liberty Mutual Teachers’ Auto Insurance offers discounted rates as well as other special perks designed for educators, such as added coverage for teaching materials and school-owned property.
In most states, Teachers’ Auto Insurance also has a $0 deductible for collisions that occur while driving on school-related business. The $0 deductible applies to vandalism claims, too, if the damage occurred on school property or during school events.
Yes, Liberty Mutual has a multi-car discount. To qualify for the Liberty Mutual multi-car discount, a customer must insure more than one vehicle on the same Liberty Mutual auto insurance policy. The discount automatically applies to a qualifying Liberty Mutual policy, but it does not compound, meaning you won’t get a bigger discount for insuring more vehicles.… read full answer
In addition to Liberty Mutual’s multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi policy discount, accident free discount, and advanced safety features discount, among others.. For more information, check out the complete list of Liberty Mutual discounts. And if you’re unsure whether a discount that you qualify for is being applied to your policy, you can contact Liberty Mutual by calling (800) 290-8711.
You can lower your Liberty Mutual car insurance costs by taking advantage of Liberty Mutual discounts, opting for a higher deductible, and reducing your coverage, among other things. Liberty Mutual considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from Liberty Mutual
Use Liberty Mutual’s auto insurance discounts
Liberty Mutual offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of 12% on average if they purchase their policy online . Or you can save up to 10% on your premium if you are active, retired, or reserved in the U.S. armed forces.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from Liberty Mutual can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing safe driving habits and avoiding moving violations can help you qualify for lower Liberty Mutual insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state.
Build and improve your credit
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. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Liberty Mutual premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Liberty Mutual to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for RightTrack
RightTrack, the Liberty Mutual telematics program, rewards you for good driving with a discounted premium. Specifically, RightTrack tracks miles driven, acceleration, braking, and the time of day that you drive. By using RightTrack, drivers can save up to 30% their rate.
Finally, if you’re still struggling to afford your Liberty Mutual policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
To get Liberty Mutual affiliation discounts, a customer must be a member of the military, a teacher, a full-time student, a member of an affiliated credit union, or an employee of an affiliated company. Liberty Mutual affiliation discounts generally save qualifying policyholders 5% to 10%.
Military: A discount if at least one member of the household is active, retired, or reserved in the United State Armed Forces. Discount amounts vary, but drivers can save up to several hundred dollars a year.
Teachers: Specialized $0 deductible car insurance options – including vandalism loss protection, personal property coverage and collision coverage – that apply to teachers’ vehicles and the belongings within them while on school grounds and during school functions.
Students: Discounts for students with a GPA of B or better and students who attend school more than 100 miles away from their car.
Affiliated Organization: Discounts for customers associated with particular employers or credit unions. Liberty Mutual partners with more than 20,000 organizations, and you can call the company to see if your employer or credit union qualifies.
Keep in mind that the eligibility details for Liberty Mutual’s affiliation discounts vary by state. Also, the company offers a wide variety of general car insurance discounts that can help auto insurance customers save even more.
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