In this current environment of high unemployment, crumbling housing values, unpredictable stock market gyrations, and general financial hardship for many Americans, one key step that may help stop collection harassment for good, and help struggling Americans get ahead is reducing the costs of automobile insurance.
Slashing the cost of auto insurance is one of the easiest ways for many people to cut their recurring expenses. In states like California, where average annual insurance premiums top $1,700, cutting costs may be one easy and painless way to significantly cut expenses, and, if you are in a financial pinch, stop collection harassment California.
While cutting costs on insurance premiums serves as a simple way to reduce annual expenses, especially in high cost states, no one should be without a car insurance policy that they can trust. If you are looking to cut auto insurance costs, without cutting essential coverage, check out our review of Liberty Mutual Auto Insurance, below.
Liberty Mutual Auto Insurance Review:
Liberty Mutual offers excellent rates on auto insurance throughout the United States. The company reports an average savings of $343.00 annually for new customers. Shopping around among highly rated insurance companies, it seems that while Liberty Mutual may not offer the lowest rates overall, the perks of Liberty Mutual may merit the additional expense.
Coverage Perks of Liberty Mutual:
Liberty Mutual offers some great coverage perks for customers. Among their unique coverage options and customer benefits are:
Accident Forgiveness: If you are insured by Liberty Mutual and you have an accident, Liberty Mutual will not raise your premium, as long as you have been accident free (and have had no moving violations) in the past 3 years.
New Vehicle Replacement: With Liberty Mutual, if you wreck a brand new car (less than 1 year), you are covered for the replacement cost of the exact same vehicle, not just KBB value.
Unlimited Rental Coverage: If you are insured by Liberty Mutual and have a collision or comprehensive loss, Liberty Mutual will provide a rental car with no time restrictions. Keep the rental until your ride is repaired.
Multi Policy Discounts: Liberty Mutual allows for the combination of multiple policies, including your home insurance policy, while also offering up to a 10% discount on home insurance coverage for eligible policies.
Lifetime Repair Guarantee: When you insure your vehicle with Liberty Mutual, any covered repairs are eligible for a lifetime repair guarantee when your vehicle is repaired at a Total Liberty Care (TLC) repair shop.
Customer Service Benefits of Liberty Mutual:
In addition to having some pretty significant coverage perks, Liberty Mutual offers a number of other benefits, including:
12 Month Policies: 12 month policies ensure your rates won't go up for at least a year. This allows for accurate budgeting and expense planning, which may help keep expenses predictable and affordable.
Convenient Payment Options: Pay online, by mail, or automatically. Pay monthly, quarterly, or in a lump sum. These flexible payment options mean that you can choose the option that best fits your budget.
After Hours Policy Service: When you need policy information or assistance, customer service will help, 24/7. This is great news for those who keep unpredictable hours or have after hours policy questions or changes.
Overview of Liberty Mutual Auto Insurance:
Overall, Liberty Mutual may be a good choice for your auto insurance, especially if the cost of insuring a vehicle in a high cost state like California are crimping your style or budget. The perks and coverage offered by Liberty Mutual definitely make the company an attractive choice if you are in the market for a new car, or a new auto insurance policy.
Photo By: Sylvar
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