Liberty Mutual Auto Insurance Review

Liberty Mutual Insurance Company is one of the most popular auto insurance providers in the United States. The company has a high ranking on the Fortune 500 list of large U.S. corporations. This ranking has been accomplished with minimum advertising and marketing campaigns. Compare auto insurance companies for FREE and find out if Liberty Mutual meets your needs best with our FREE ZIP code search!

With over 35,000 employees and offices around the world, Liberty Mutual offers a variety of individual and commercial auto insurance plans.

Company History

Liberty Mutual was founded in 1912 as the Massachusetts Employees Insurance Association, offering workers compensation insurance. Product offerings expanded to auto insurance in 1914 and the company name changed to Liberty Mutual Insurance Company.

Since writing its first auto insurance policy, the company has become a leading provider of various insurance products.

Liberty Mutual Coverage Locations

Currently, Liberty Mutual Auto Insurance is available in every state. However, not every state has advertisements for offices. Montana, Nebraska, North and South Dakota and Wyoming do not have advertised offices. People should compare auto insurance rates by state with our FREE ZIP code search!

Types of Auto Insurance

Auto insurance plans are available for both individuals and businesses. Some of the types of auto insurance coverage include:

• Liability (required in every state)
• Payment for medical expenses from accident injuries
• Personal Insurance Protection (PIP)
• Underinsured/Uninsured Motorists
• Comprehensive and Collision

Individuals may receive two types of automobile insurance from Liberty Mutual: Liberty Guard Auto Insurance and Personal Liability Protection.

The Liberty Guard insurance package covers liability, medical expenses and protection from underinsured/uninsured motorists. In addition, individuals may also add collision coverage in case of an accident. Most individuals may also receive protection from vandalism or theft.

Along with the various policy protections, Liberty Mutual boasts of having after hours service for policyholders, which include 24 hour claims assistance. Policyholders can also receive emergency road assistance, a freedom pay plan and twelve month policies.

With the Personal Liability Protection package, individuals can receive additional protection to cover liability expenses resulting from an accident. This helps when the minimum liability coverage is not enough to pay personal injury claims. The Personal Liability plan minimizes policyholder exposure from lawsuits. Compare free auto insurance quotes with our FREE comparison tool!

Auto/Fleet Auto Insurance is for commercial businesses. Business auto insurance products through Liberty Mutual are available for small, mid-sized and large companies. The auto/fleet insurance covers:

• Commercial
• Truckers
• Motor carriers
• Self-insured companies that need additional auto liability
• Parking garage keepers

Liberty Mutual auto insurance for businesses help to lower liabilities associated with driving. Through the assistance of a loss control specialist, companies have access to tools that educate employees on safe driving. The goal of such tools is to minimize accidents and property damage, which can increase insurance premiums.

Advantages of Liberty Mutual Auto Insurance

There are a number of advantages to having auto insurance coverage with Liberty Mutual. Close to 100 years in the insurance industry represents stability, reliability and exception customer service. Take a look at various auto insurance reviews to insure you are being properly covered by your insurance company!

Surveys have found that customer service representatives are courteous and keep policyholders informed about their policies. Policyholders also enjoy paying lower premiums compared to other insurance companies.

Customer service representatives provide expedient service on claims, assist customers with payment arrangements and demonstrate knowledge of insurance products.

Disadvantages of Liberty Mutual Auto Insurance

Like most companies, there are a few disadvantages to using Liberty Mutual. Some reviews show customer dissatisfaction with accident claims service.

In some cases, customers believe they received a low offers to settle a claim. Without attorney involvement, some customers reported they would not have received a fair settlement. That is why it is important to make sure you know all of the various auto insurance laws!

Another consumer complaint is an increase in premiums after an accident. This has occurred even if the policyholder was not at fault for the accident. This is not unusual with most major insurance providers. Many are known to penalize drivers and increase premiums – in most cases up to 10 years.

Distinct Services

Despite the disadvantages expressed by some policyholders, Liberty Mutual believes it offers a few distinct services. The company believes its specialized services in claims and provider support, as well as customer service, sets it apart from other insurance providers. Find the best and cheapest auto insurance by comparing auto insurance quotes with your ZIP code!

The company has added product offerings beyond its auto, home and life insurance products. Not every insurance company offers Family and Medical Leave Act Administrative Services. Liberty Mutual also provides services for customers with disabilities.
Overall Ratings of Liberty Mutual. You should also look at Liberty Mutual’s various auto insurance discounts for ways to save!

He overall satisfaction and approval rating of Liberty Mutual is positive. Most customers rate their customer service experience high with Liberty Mutual.

Current customers are willing to recommend the company to family and friends. Typical reasons given for the recommendation include affordable insurance premiums and customer service.

Overall satisfaction is slightly lower regarding auto insurance claims. Generally, most customers are satisfied from their experience with the claims adjustor. However, some have reported feelings of aggravation and frustration.

Dissatisfaction resulted from low claim offers and the occasional unavailability of Liberty Mutual representatives. Even though some policyholders have reported negative experiences, by industry standards, Liberty Mutual is still considered a reliable insurance company. Enter your ZIP code and allow us to conduct on auto insurance comparison for you!