California, Hawaii, Massachusetts, Michigan and Washington absolutely do not allow the use of credit scores to determine car insurance rates. Therefore, your credit rating won't affect your rates with Liberty Mutual in these states. For example, Liberty Mutual offers discounts to drivers who insure multiple vehicles on their policy or who pay for their entire policy in advance. Keep in mind that the availability and eligibility criteria for each discount vary by state and, in most cases, Liberty Mutual does not disclose the amounts of the discounts.
RightTrack, Liberty Mutual's telematics program, rewards you for driving well with a discounted premium. Opting for a higher deductible on any of your Liberty Mutual insurance policies can lower your premium. This information can give you a holistic view of the average car insurance in your state or metropolitan area and can provide you with a reference point for you to use to determine how competitive your current premium is. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
Although Liberty Mutual doesn't offer discounts on dash cams, buying a dash cam could be worth it in the long run. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term. If you don't qualify for Liberty Mutual's accredited driver discounts, there are other ways to save on your premium. Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer.
Liberty Mutual doesn't offer a specific marriage discount, which is typical among major insurance companies. Yes, Liberty Mutual has a teacher discount in the form of reduced auto insurance premiums for teachers. Getting and comparing quotes from multiple insurers, taking advantage of discounts, and maintaining a clean driving record can help you find the cheapest car insurance company for your situation. If you can't get any of Liberty Mutual's safe driver discounts, there are other ways to save on your fare.
If you want to keep your insurance products in one place for easy administration, Liberty Mutual might be a good option.