There are 17 Liberty Mutual discounts for auto insurance customers, ranging from discounts for good drivers to discounts for cars with modern safety features. Liberty Mutual’s discounts can save drivers up to 30% on their car insurance, and customers that qualify for multiple discounts can save even more.
Liberty Mutual’s car insurance discounts are divided into four main groups: safe driver discounts, vehicle safety feature discounts, customer detail discounts, and customer loyalty discounts. You can learn more about each group below. Just bear in mind that the availability and eligibility criteria for each discount vary by state, and Liberty Mutual doesn’t disclose its discount amounts in most cases.
Liberty Mutual Safe Driver Discounts
- Accident-Free Discount: When you go at least 5 years without an accident, Liberty Mutual will give you a discount.
- Violation-Free Discount: When you avoid violations such as speeding tickets, parking citations, or DUIs for five straight years, Liberty Mutual will give you a discount.
- RightTrack Discount: Liberty Mutual’s safe driving program can save customers up to 30%, and they’ll get a discount just for signing up and participating.
Liberty Mutual Vehicle Safety Features Discounts
- Anti-Theft Device Discount: If a covered car is equipped with anti-theft devices or technology, such as passive alarms or LoJack systems, Liberty Mutual will give you a discount.
- Advanced Safety Features Discount: If a covered car is equipped with advanced safety features like anti-lock brakes, adaptive headlights, or electronic stability controls, Liberty Mutual will give you a discount.
- Alternative Energy Discount: If a covered car is a hybrid or electric vehicle, Liberty Mutual will give you a discount.
Liberty Mutual Customer Discounts
- Homeowner Discount: Customers who are homeowners can get a discount from Liberty Mutual.
- Military Discount: If one of the drivers listed on an auto insurance policy is an active, retired, or reserve member of the United States Armed Forces, Liberty Mutual will give you a discount.
- Early Shopper Discount: Sign up for a new policy before your current policy expires, and Liberty Mutual will give you a discount.
- Good Student Discount: If a student driver listed on your policy has a GPA of a 3.0 or better, Liberty Mutual will give you a discount.
- Student Away-at-School Discount: If a driver listed on your auto insurance policy is a student who is away at school (typically one located 100+ miles from home), and they don’t take a car with them, Liberty Mutual will give you a discount.
Liberty Mutual Loyalty Discounts
- Multi-Car Discount: If multiple vehicles are listed on a policy, Liberty Mutual will give you a discount.
- Multi-Policy Discount: If a customer bundles other policies – such as home, life, or umbrella coverage – with their auto insurance, Liberty Mutual will give them a discount.
- Preferred Payment Discount: Enroll in automatic payments from a bank account, and Liberty Mutual will give you a discount.
- Pay-in-Full Discount: If you pay for your entire policy in one or two payments, Liberty Mutual will give you a discount.
- Online Purchase Discount: Buy your policy online, and Liberty Mutual will give you a 12% discount.
- Paperless Policy Discount: Go paperless by signing up for electronic communication, and Liberty Mutual will give you a discount.
Discount availability may vary by state, but it’s always worth checking with Liberty Mutual customer service to see what you can qualify for. You can call Liberty Mutual at 1-844-629-8984 to ask about the discounts applied to your policy.
