Liberty Mutual vs. Amica Insurance

Yes. Liberty Mutual offers accident forgiveness. To qualify for Liberty Mutual accident forgiveness, drivers must not have any accidents, claims, or violations from the past five years. Customers must have at least five years of driving experience, but they don't need to have been insured with Liberty Mutual.

In general, Liberty Mutual accident forgiveness prevents one at-fault accident every five years from raising premiums. It will also forgive two accidents by different drivers on the same policy, as long as they occur in the same year. Liberty Mutual is the only major insurer to offer this two-accident forgiveness perk.

For example, say Driver A files a claim in 2019 for an at-fault accident. If her spouse, Driver B, files a claim for a separate at-fault accident in 2019, both accidents will be forgiven. But if Driver B files a claim for an at-fault accident in 2022, this accident will not be forgiven. The accident forgiveness clock will then reset after five years, rendering both policyholders eligible again.

The bottom line is that Liberty Mutual accident forgiveness is a great perk for drivers who have been safely on the road for at least five years, even if they are only now switching to Liberty Mutual. To find out more, check out WalletHub's Liberty Mutual Review and accident forgiveness insurance guide.

Yes. Liberty Mutual offers rental car insurance. Liberty Mutual rental car insurance is usually included in a driver's personal car insurance policy if the driver carries liability, comprehensive, or collision coverage and is driving in the U.S. Each policy is unique, though, and there may be certain exclusions based on your specific situation. It's very important to confirm the details of your policy by calling customer service at 1 (800) 290-7933 before declining additional coverage at the rental counter.

Liberty Mutual also offers rental car reimbursement, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, your insurance company will pay a fixed amount per day toward the cost of your rental, up to a maximum per-claim limit. You select specific rental car reimbursement limits when you purchase the add-on. For example, if you choose $25 per day/$600 per loss as your rental reimbursement limits, Liberty Mutual will pay up to $25 per day, but no more than $600 per claim for your rental. Allstate also offers discounts from rental companies like Enterprise and Hertz to make your coverage stretch even further. Rental reimbursement coverage costs between $2 and $15 per month, on average, but you'll need to call customer service to get a personalized quote and add this coverage to your policy.

Liberty Mutual Rental Car Insurance Coverage Limits

The same Liberty Mutual coverage limits that apply to your personal vehicle will also apply to a rental car. If you only carry liability insurance, Liberty Mutual will pay for the other driver's injuries and property damage after an at-fault accident—but not physical damage to the rental. You need a full-coverage policy to have damage to the rental car covered by your insurer.

If you rent a car similar in value to your personal vehicle, you probably have enough insurance. But if your personal vehicle is a 15-year-old sedan and you decide to rent a 2022 luxury car, you should look into extra coverage. That's because the limits you've chosen for your personal policy may not be sufficient to cover damage to a more expensive rental car.

One option to make up for insufficient coverage when renting a car is to get a collision damage waiver (CDW) from the rental counter, which leaves the rental company responsible if the car is damaged, vandalized, or stolen. In addition to a CDW, rental car companies offer a few other types of insurance if you don't have enough coverage with your Liberty Mutual policy. These include supplemental liability protection, personal accident insurance, and personal effects coverage.

The insurance offered by the rental company often duplicates coverage drivers already have through health, life, and auto insurance. You may also have rental insurance from your credit card company, which is nullified if you purchase the rental company's coverage.

Amica insurance rates go up by an average of 23% after an accident. Drivers who have Amica accident forgiveness will not see their car insurance rates go up at all after their first accident in a certain number of years, however. Policyholders accumulate “good driver rewards” for each year of good driving and can use them to lower their deductibles or prevent their premiums from going up after an accident. Even if the accident can't be forgiven, it will only affect your insurance rate for 3-5 years, depending on your state.

The exact amount that premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, and the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Repeat offenders also see relatively large rate hikes.

Amica Insurance is rated 3.4 out of 5 by WalletHub's editors, based on factors such as customer reviews and watchdog-group ratings. For example, Amica has a rating of 1.95 from he National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size.

Amica Insurance Ratings

• WalletHub Editors: 3.4
• A.M. Best: A+
• J.D. Power: 4.3
• NAIC: 1.95
• BBB: A+
• Average User Rating on WalletHub: 3.6 /5

To learn more, check out WalletHub's complete Amica car insurance review.

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%.  

Liberty Mutual Affiliation Discounts

• 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.

Yes, Amica is a good insurance company, offering car, home and life insurance to people in 49 states. Amica has earned A+ ratings from insurance industry watchdogs like the BBB and A.M. Best, and it has an average user rating of 3.5/5 on WalletHub. Amica does have more customer complaints than average, however, according to the National Association of Insurance Commissioners.

Amica Mutual Insurance Company, as it's officially known, is based in Lincoln, Rhode Island, and it has been in operation since 1907. It currently offers a variety of insurance policies for cars, boats and homes, as well as coverage for pets, special events and small businesses. You can save by bundling Amica Insurance policies, too.

Why Amica Insurance Is a Good Company:

• Has been in business since 1907
• A+ rating with the Better Business Bureau
• A+ rating with A.M. Best
• Averages 3.5/5 among user ratings on WalletHub

You can get a free Amica Insurance quote online or by contacting an agent at 1-800-242-6422.

To learn more, check out WalletHub's Amica insurance review

Yes, Liberty Mutual has free towing services for customers who have the company's 24-hour roadside assistance coverage. Liberty Mutual's optional roadside assistance coverage costs about $1 - $10 per month, and it includes towing services to the nearest repair facility, up to a customer's policy coverage limit. The cost depends on a customer's personal details, including their zip code, the kind of car they drive, and their driving history.  

Liberty Mutual Roadside Assistance Covers:

• Towing to the nearest qualified facility
• Flat tire changes
• Dead battery jump starts
• Fuel delivery (the fuel itself is not free)

Liberty Mutual's roadside assistance coverage only applies to mechanical breakdowns and vehicle disablements, and it doesn't cover major repairs, engine failures or maintenance work. Like all of Liberty Mutual's services, the eligibility requirements, coverage limits, and availability of towing services vary by state. The Liberty Mutual roadside assistance phone number is 800-426-9898.

An Amica umbrella policy covers claims beyond the financial limits of an existing auto or home insurance policy. An umbrella policy from Amica costs about $100-$400 per year, and it can add $1 million, $2 million, or $5 million in additional liability coverage.

What Amica Umbrella Policies Cover

• Personal injury liability settlements
• Liability from a car accident beyond your auto policy limits
• Dog bites
• Liability from a car accident in a different country
• Defense against charges of libel, slander and defamation of character

Amica's umbrella policies are a good choice for customers with a high net worth who want extra coverage for property damage, injuries, and possible lawsuits that could result from various types of accidents. Umbrella policies may also cover claims that might not be covered by standard liability policies, like slander, libel, and psychological harm.

You can get a quote for Amica umbrella insurance by calling (800) 242-6422. To be eligible, you will also need an auto policy from Amica.

Liberty Mutual has rideshare insurance that it offers through Lyft and Uber in select states as one of the rideshare companies' official auto insurance providers. However, Liberty Mutual does not sell rideshare insurance directly to drivers as an add-on for personal car insurance policies.

Lyft drivers in Arizona, Michigan, New Mexico, Texas, and Utah are covered by Liberty Mutual while their Lyft app is on. Similarly, Uber drivers in Connecticut, Rhode Island, Vermont, New Hampshire, Maine, Massachusetts, South Carolina, and Puerto Rico are covered by Liberty Mutual through the completion of a trip or delivery.

• App On, Waiting for a Request: $50,000 per person in bodily injury liability coverage (up to $100,000 per accident) and $25,000 per accident in property damage liability coverage.
• Picking Up or Carrying a Passenger: $1 million in third-party liability coverage, plus uninsured/underinsured motorist bodily injury coverage, and contingent comprehensive and collision coverage (applies if the driver has personal comprehensive and collision insurance).
• Deductible for Comprehensive and Collision Coverage: $1,000 for Uber and $2,500 for Lyft.

A driver's personal car insurance policy applies when their rideshare app is turned off.

Yes, Liberty Mutual will pay for windshield replacement or repair services for customers who have comprehensive coverage. Liberty Mutual waives the comprehensive deductible for windshield repairs, though customers will still need to pay their deductible for full replacement unless their policy or a state law says otherwise.

If you live in Florida, Kentucky, or South Carolina, you will not need to pay your deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota and New York must offer a "full glass coverage" policy that allows customers to choose a $0 deductible for glass repairs.

On the other hand, if the windshield was damaged in an accident and the policyholder was at-fault, Liberty Mutual customers can file a collision claim, though their exact policy details will determine if they need to pay a collision deductible. And if the policyholder was not at-fault, the at-fault driver's liability insurance should cover the damage without a deductible.

If you're not sure whether you will need to pay a deductible for windshield replacement, you can check your policy details or call Liberty Mutual's customer service line at 1 (800) 451-7065. To file a claim for windshield repair or replacement, you can use Liberty Mutual's online portal.