Discounts and savings Competitive rates are just part of the savings you'll get with Liberty Mutual Insurance. We also offer discounts for various vehicles, safe drivers, passive restraints and anti-theft devices for car policy holders. Most insurers offer discounts because the number of car thefts has fallen by 7.2%. The savings of a passive alarm will range from 15 to 20% in most insurance companies.
Discounts for active alarm may only range from 5% to 10%. If you have a LoJack system, you can combine a 25% discount with your other anti-theft discount and save even more. Each insurer uses its own algorithm to calculate premiums, so even if Liberty Mutual is charging you a high premium, you may be able to find a cheaper policy with another insurer. The Liberty Mutual military discount is available to members of the United States Armed Forces community who are on active duty, retired, or members of the National Guard or Reserve.
Liberty Mutual also charges married drivers similar rates to those paid by single drivers, which is less common. This is why you shouldn't install the device just to save money, especially if you don't have car insurance with full coverage. 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. For example, Liberty Mutual offers a preferential payment discount for drivers who set up automatic payments from a checking account, credit card, or debit card.
Expensive cars, sports cars and cars with high theft rates are considered to be riskier to insure than cheaper and more practical vehicles. A car alarm that sounds is intended to scare car thieves by notifying everyone around that someone has tried to access the car while it was armed. An aftermarket car alarm is a name for any car alarm that is purchased separately from the car itself and installed after the car is manufactured. The discount is automatically applied to qualifying Liberty Mutual policies, but it's not cumulative, meaning you won't get a bigger discount for insuring more vehicles.
In addition to the Liberty Mutual multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi-policy discount, the no-accident discount and the discount for advanced safety features, among others. While these car alarms usually come as standard features on most new cars being manufactured today, some people prefer to have them removed. Liberty Mutual offers a wide variety of discounts that can help lower your overall car insurance bill. Liberty Mutual doesn't have a single “safe driver” discount, but it rewards safe driving with a number of benefits.
It will offer you the best car insurance quotes based on your demographics and location. Each insurance company determines their rates differently, so while Liberty Mutual is among the cheapest car insurance companies, the only way to confirm that you've found the lowest price is to compare quotes from several companies.