Yes, Liberty Mutual uses your credit score as a factor in determining your auto insurance rates, as do most major insurers. However, credit checks performed by auto insurers don't harm your credit rating and are only done in states where it's legal for your credit rating to affect your rates. Car insurance companies mainly take into account aspects such as your age, driving history, and the make and model of your car. Opting for a higher deductible on any of your Liberty Mutual insurance policies can lower your premium.
Because your credit history is correlated with your likelihood of filing an insurance claim, Liberty Mutual uses your credit data to calculate your premium in states where it is legal. Liberty Mutual insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident. Finding cheap car insurance in Lansing, Michigan can take some work, as Michigan is one of the most expensive states for car insurance. You can reduce the costs of your Liberty Mutual car insurance by taking advantage of Liberty Mutual discounts, opting for a higher deductible and reducing your coverage, among other things.
Liberty Mutual doesn't have a single “safe driver” discount, but it rewards safe driving with a number of benefits. Liberty Mutual takes a variety of factors into account when calculating your premium, although some, such as your age and location, are beyond your control. As a result, people without credit pay about 67% more for car insurance than people with excellent credit, on average. For example, Liberty Mutual offers discounts to drivers who insure multiple vehicles on their policy or who pay for their entire policy in advance.
Liberty Mutual offers a wide variety of discounts that can help lower your overall car insurance bill. Liberty Mutual is very expensive because of agent fees and the overall increase in costs for insurance companies. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Liberty Mutual in the long term. Lansing residents can also choose to take out additional liability insurance or take out optional coverages, such as collision insurance or comprehensive insurance, which pays for damage to their car after an accident or compensates for damage to their car after an accident or compensates for it if the vehicle is stolen.
Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer.