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Liberty Mutual Car Insurance Discounts

Written by Michele Wilmonen. Posted in Ask An Insurance Question, Research Last Updated: 06/21/2015

Finding ways to save money with Liberty Mutual car insurance discounts.

Liberty Mutual not only has your basic discounts, but they seem to be really big in offering discount to drivers that are starting new phases in their life.  For example, they offer discounts to newlyweds, graduates, and newly retired drivers. So if you are about to have some major life changes, this may be a company that you will want to check out.

Liberty Mutual Vehicle Discounts

Vehicle Safety Features Discount: A discount for having standard features such as anti-theft and anti-lock brakes, as well as innovative features including adaptive cruise control, lane departure warning and collision preparation systems in your vehicle.

Hybrid Vehicle Discount: Special discount for our customers who have hybrid cars on their policy.

Multi-Car Discount: Put more than one vehicle on your policy and get the convenience of having all your vehicles insured in one place, as well as a discount on your premium.

Liberty Mutual Drivers Discounts

  • Teen Driver Discount: Special discount for teen drivers that drive responsibly.
  • Good Student Discount: Driver that are under the age of 25 and achieve at least a B average get special savings on their premium.
  • New Graduate Discount: Discount for drivers that have recently graduated.
  • Newly Married Discount: Get the right coverage with special savings for newlyweds.
  • New Move Discount: Discount offered for drivers that are moving, and is given whne you update your address.
  • Newly Retired Discount: Now that you’re retired, get the right coverage with special savings for new retirees.

Liberty Mutual Policy Discounts

  • Multi-Policy Discount: Having multiple policies with Libery Mutual will get you additional savings off your premium.
  • Exclusive Group Savings: If you are a member or employee of any of the more than 14,000 employers, groups, credit unions or alumni associations that are a part of Liberty Mutual’s affinity program.
  • New to Liberty Mutual Vehicle Discount: When you add or change a vehicle on your policy, you’ll not only enjoy personalized service and expert advice, you’ll receive savings on your premium.

Please note though, that because we are not Liberty Mutual we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Liberty Mutual car insurance discounts that are offered by the company, contact your Liberty Mutual insurance agent or enter your zip code at the top of the screen for a personalized quote.

 

Rental Car Claims

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/01/2014

Don’t be bullied by the other insurance company about your rental car.

Question: The other person’s insurance company is telling me that I am only authorized for a rental car for two days, but what if the repairs to my vehicle take longer than that?

Answer: If the other person’s insurance company has accepted liability for the claim, then they owe you the rental car until your vehicle is fixed. Don’t let them tell you that you only have it for two days, you need to tell them that you are going to keep the rental car until you get your vehicle back.

(Disclaimer: I do not know the details of your claim and am not a claims adjuster. This is advice to a question only)

Don’t Let Columbus Car Insurance Fool You

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/06/2014

Minimum Columbus car insurance doesn’t do enough to really protect you.

columbus car insurance

Make sure you have enough Columbus car insurance to bridge the gap between an accident and the insurance company paying all the expenses.

The State of Ohio created car insurance laws to protect the drivers in their state. The most prominent car insurance laws are the ones that require all registered vehicle owners to purchase a minimum amount of Columbus car insurance. Unfortunately, these minimum Columbus car insurance requirements aren’t really enough to fully protect drivers.

Columbus Car Insurance

To be able to drive in Ohio, you have to have the following minimum Columbus car insurance:

  • $25,000 of bodily injury coverage to pay for the injuries you cause to one person
  • $50,000 of bodily injury coverage to pay for all of the medical expenses for two or more injured people in a car accident that you cause
  • $25,000 for property damage that you cause with your vehicle

Not Enough for Bad Injuries

While the required $25,000 in bodily injury liability coverage is good enough to cover minor or medium injuries from a car accident that is your fault, it is not enough. Major injuries or even fatalities from car accidents may not be as common as less serious injuries, however they still do happen.

What if you are the one that caused one of these few fatalities or serious injuries? That $25,000 is nowhere near enough to cover an extended hospital stay, physical therapy, and medication. And if you kill someone, you have all the costs associated with not only the medical care before the death, but also funeral expenses and more.

Going to Court

After you injure someone in a car accident and they have completed their medical treatment, a pain and suffering settlement is usually offered. If this settlement is accepted then the insurance company pays the claimant and the claim is closed. However, if you have already exhausted all of the minimum required liability coverage on your Columbus car insurance, there will be nothing left for a settlement.

This means that the insurance company won’t offer one, and more than likely you will end up in court. Also, if a person dies because of a car accident that you cause, you can almost be sure that the deceased’s family members will take you to court for a wrongful death lawsuit.

In both cases the court and attorney expenses are usually covered by your insurance policy, unless your $25,000 in bodily injury liability coverage has already been used up for the other expenses that usually happen prior to a car accident situation ended up in court. Which means you will have to pay any settlement, court fees, and attorney fees that the court approves in their judgment out of your own pocket.

This is why you need to talk to your Columbus car insurance agent about the amount of coverage you really need to be protected if you cause a car accident.

Insuring Rebuilt Title Vehicles

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 07/03/2014

Q: Is it true that I cannot get collision insurance for a car with a rebuilt title in the state of Kentucky?

A: As far as I know you should be able to get insurance on a vehicle with a rebuilt title in any state. There will be a lot of hoops to jump through with the Division of Motor Vehicle Licensing and also your insurance company, but it should be doable.

To get confirmation, contact the Division of Motor Vehicle Licensing first, and ask them. Then once you get confirmation, contact your insurance company.

Suspended License and Future Insurance

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 06/19/2014

Is getting insurance an issue with a suspended license for a non-traffic violation?

Yes, anytime you have a suspended license your future insurance will be affected. You should still be able to get insurance, it will just be at a much higher premium than what you were playing before your license was suspended.

It is best to talk to your insurance agent though, to find out if there is any leniency given in your state due to the suspension being the result of a non-traffic violation. You just never know until you ask.

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