Liberty Mutual Auto Insurance Company is a solid choice for anyone looking for auto insurance. Read this Liberty Mutual Auto Insurance Company review to better understand who Liberty Mutual is, and then decide if it might be a good fit for your auto insurance needs.

Cars are becoming more common in the United States and with them the number of companies that are willing to insure them is increasing. With so many customers in the market, there is no reason for car insurance companies to slow down, and experts predict a steady increase in the number of customers in the market in the coming years. With the great diversity of clients in the market, it is impossible for one auto insurance company to win all the clients, and it is for this reason that there are many reputable insurance companies instead of just one. One of the most famous insurers in the United States is one by the name of Liberty Mutual.

Liberty Mutual was founded on July 12, 1912 when the Massachusetts State Legislature passed a law requiring businesses to protect their employers with workers’ compensation insurance. The company quickly gained fame and launched its first advertising campaign five years later, in 1917. The company expanded so quickly that by 1937 it had expanded to all 48 states and by 1972 it surpassed the $2 billion mark in premiums. . They have now expanded throughout the United States (serving 42 states) and in other countries around the world. They also rank 95th on the Fortune 500 list of the largest corporations in the United States based on 2006 revenue, have assets estimated at $85.5 billion, and employ more than 40,000 people in some 900 offices worldwide. Aside from auto insurance, the company offers homeowners, workers’ compensation, business multiple peril, general liability, fire insurance, and group disability insurance.

Liberty Mutual basically offers a policy called “Liberty Guard Auto Insurance.” This insurance plan covers everything from civil liability, comprehensive, collision and theft; and they offer other extra services in case you want to add something else. The liability coverage under this policy pays for damages caused by an accident up to the policy limits and prevents you from being sued if the accident is your fault. Medical payments coverage is required in some states, but for the most part it is optional. They cover you after an accident and allow you to go see a doctor if an injury occurs. Last but not least, the comprehensive and collision portion of your policy saves you from a loss by covering repairs your vehicle needs after an accident or if it is caused by fire, flood, etc. For a little more money you can add towing and labor coverage in case you ever need it.

Liberty Mutual is also known for the discounts and money-saving options they provide to their members. Like all other auto insurance companies, their discounts vary by state, and what some members may find to be money-saving options in one state may be literally non-existent for others in another state. Some of the discounts offered by Liberty Mutual Automobile Insurance Company include, but are not limited to, Accident Prevention Course, Anti-Lock Brakes, Anti-Theft Devices, Mature Driver, Good Student, Multiple Car Policy, and Driver Training Discount. In addition to these discounts, the company lets the potential customer know some of the basic money-saving tips that they give to each of their members. Some of the advice that Liberty Mutual provides is to make safety a primary concern when purchasing your next vehicle. This is important because a car with more safety features will fetch a lower rate because it will protect your diver better, not to mention that if you have more safety features, there are usually fewer to fix.

Other advice given includes considering a high deductible when it’s time to decide on a car insurance plan. A higher deductible is good if you can afford it because it will give you lower monthly premiums. However, it is important to know that in the event of an accident you will have a greater degree of financial responsibility if your deductible is high. Last but not least, Liberty Mutual tells its drivers and anyone else looking to get car insurance with them to maintain a good driving record. The fewer violations a person has on their driving record, the lower their premium, and Liberty Mutual rewards these drivers with the best rates.

One last thing worth talking about with Liberty Mutual is their additional Personal Liability Protection (PIP) coverage. Liberty Mutual decided to establish this plan simply to allow their clients to protect themselves against potential cases where they could be sued for millions of dollars. This coverage expands the range of personal injury coverage, protects a member from liability coverage caused by an accident, defends a member against claims and lawsuits, and pays for their defense anywhere in the world.

Liberty Mutual is a great insurance company for anyone looking for low-cost, great service. AM Best gives them an A rating due to their excellent customer service satisfaction and financial ratings; And they continue to grow excessively. With its different rates depending on the type of coverage, deductible and discounts; Liberty Mutual is an excellent choice for anyone looking for a company with great financial stability and a national (as well as global) presence.