Coverages and Benefits
Learn About our Policy Features and Discounts
- Auto Insurance Coverages
We'll be there when you need us most, starting with helping you decide which car insurance coverage options and policy limits you may need, for yourself and your vehicle.
- Auto Insurance Benefits
The convenient account services and features you want, plus special policyholder benefits you'll appreciate.
- Auto Insurance Discounts
With multiple discounts connected to your car, driving record, and employer or professional association, you could save money off our already competitive rates.
- Claims Services for Auto
When you have a claim to report, one call puts the process in motion. You can even file non-personal injury claims online. We'll work hard to get you and your car back on the road quickly.
- Teachers Auto Insurance
Liberty Mutual offers special auto insurance coverage to protect teacher's vehicles and personal teaching or school-owned property in the vehicle for school business.
Auto Insurance Coverages
- Understanding your auto insurance policy can be confusing and time consuming. Let Liberty Mutual help you cut through the jargon.
- Bodily Injury Liability
Bodily injury liability covers you in the event that you cause an accident in which another person (or people) is injured.
Property Damage Liability
Coverage in case your car damages someone else's property - usually this means someone else's car, but it could be a fence, light post or other piece of property.
Medical Payments
Medical Payments covers certain medical expenses if you or a passenger in your car are injured in an accident.
Collision Coverage
Collision coverage is an optional coverage that covers damage to your car caused by impact with another car or object.
Comprehensive Coverage
Comprehensive coverage is also an optional coverage that covers damages to your car caused by something other than a collision - like theft, fire, etc.
Better Car Replacement
With this optional coverage, if your car is totaled we'll give you the money to replace it with a car that is one model year newer and has 15,000 fewer miles on it.*
The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.
*Optional coverage, not available in all states. Applies to a total covered loss. Does not apply to leased vehicles or motorcycles. Deductible applies.
Auto Insurance Benefits
Your Liberty Mutual Auto Insurance policy comes with all these great features
Your Liberty Mutual Auto Insurance policy comes with all these great features
12 Month Policies
Your auto insurance price is guaranteed for an entire year.
Convenient Payment Options
You can pay by mail, online or through automatic deductions. You can also choose to pay monthly, quarterly or in one lump sum.
After-Hours Policy ServicesWhen you need policy information, answers to billing questions or assistance with policy changes, including after normal business hours, our Customer Response Center will help you.
- Call 1-888-398-8924, 7AM to 11PM, Monday through Saturday, and 9AM to 7PM on Sundays, Eastern Time.
Manage Your Policy OnlineView policy information, pay your bill, make changes to your policies, and report an auto and/or homeowner claim when you register for eService.
More benefits for Auto policyholders*
• Accident Forgiveness
• Unlimited Rental
• New Car Replacement
More benefits for Auto policyholders*
• Accident Forgiveness
• Unlimited Rental
• New Car Replacement
*The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.
Auto Insurance Discounts
Rewarding You with Savings
With a range of discounts connected to your car and driving record, as well as savings associated with your employer, professional association, or alumni group, you could save even more on our already competitive car insurance rates.
- When you get an Auto Insurance Quote online we'll ask you a series of questions to find out if you qualify for the following:
- Multi-Policy Discount
For when you insure both your home and car with Liberty Mutual.
Good Student Discount
With the Good Student Discount, you can save on your car insurance if teen drivers in the household maintain a B or equivalent grade point average.
Exclusive Group Savings
If you are a member or employee of any of the more than 13,500 employers, groups, credit unions or alumni associations that are a part of Liberty Mutual's affinity program, you could be eligible for exclusive group savings.*
Multi-Car Discount
By insuring more than one car with Liberty Mutual, you could save money on your auto insurance.
In addition, these vehicle related discounts can also help you save money:
Passive Restraint - factory-installed motorized safety belts and/or one or more air bags.
Antilock Brakes - factory-installed antilock brakes on all four wheels.
Anti-theft Devices - including active and passive disabling devices, audible alarms and vehicle recovery devices.
Low Mileage - for driving your car less than 7,500 miles per year.
* Not available in Texas. Texas residents should ask a sales representative about Liberty Mutual Advantage.
The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states.
For a complete explanation of coverages, please consult a sales representative.
Claims Services for Auto
24 Hour Claims Service
Report a claim 24 hours a day, seven days a week, either online, or on the phone: call 1-800-2CLAIMS (800-225-2467)
24 Hour Roadside Assistance *
1-800-426-9898
If your car ever breaks down, we won't leave you stranded. From a jump start to a tow, our optional 24 Hour Roadside Assistance will get you moving again. This coverage requires purchase of Towing and Labor coverage and is subject to applicable limits.
In addition, if you have purchased Towing and Labor Coverage we'll pay for your charges in one of three ways:
- When you allow your car to be towed to the nearest repair facility (as determined by Liberty Mutual), we will pay the entire towing charge. Simply sign the bill without paying anything up front.
- If you prefer to have your car towed to a repair facility other than the nearest repair facility, we will pay the towing charges up to your policy limits.
- If a tow is not necessary to get you back on the road, Liberty Mutual will pay for the labor charges up to your policy limits.
*Coverage is optional and provided under Towing & Labor Endorsement in your Policy (cost varies by state).
Services are provided by and/or through Cross Country Motor Club, Inc., Medford, MA 02155, except in Alaska, California, Hawaii, Oregon, Wisconsin, and Wyoming where services are provided by and/or through Cross Country Motor Club of California, Inc., Thousand Oaks, CA 91360.
Total Liberty Care Facilities (TLC)**
For your convenience, you can have your car appraised, usually within 24 hours, and repaired at one of our Total Liberty Care facilities. Each facility is dedicated to providing our customers with the highest quality repairs and services by offering:
- Scheduled opportunities for estimates and repairs
- Immediate written estimate
- Online updates on your vehicle's status, including when repairs have been scheduled, where your car is in the repair process and when repairs have been completed. (Available only at participating TLC facilities)
- A copy of Liberty Mutual's Limited Warranty on the repairs
- Direct payment to the TLC facility from Liberty Mutual.
You may also choose to have your car repaired at a repair facility of your choice.
**Due to state regulations, TLC facilities are not available in Massachusetts.
Car Windshield Repair Services
If you have comprehensive or glass coverage and your windshield or other safety glass is damaged, fixing it is simple. We have an extensive network of glass replacement facilities available and the repair can be completed at your home, place of employment, or other convenient location. The glass company will bill us directly, helping to keep this a hassle free event for you. We even guarantee the quality repair. If you do not need a referral, we can work with your preferred glass replacement shop.
Substitute Transportation
If you have Rental Coverage, we can arrange replacement transportation during the time your vehicle is under repair. Frequently, the vehicle can be delivered to you.
Vehicle Locator Services
In the event your vehicle is damaged beyond repair, we can assist you in locating a comparable replacement vehicle.
New Car Replacement Program***
We will replace your new vehicle with no depreciation charged if it is declared a total loss. This program is available to you if your car is less than one year old, has less than 15,000 miles, and was not previously owned.
***This program is not available in all states.
Deductible Recovery
If another party was at fault for an accident or a loss, we have dedicated units who aggressively pursue collection from the responsible party's insurance carrier and prompt reimbursement of your deductible.
Fraud Detection
We aggressively resist fraudulent claims that may be brought against you. We work closely with the National Insurance Crime Bureau and local law enforcement agencies to detect and deter fraudulent claims.
Legal ServicesWe have an extensive network of lawyers throughout the U.S. and Canada to protect your interests in the event you are sued as a result of an accident.
Get an Auto Insurance Quote
The descriptions of coverages listed on this web site are necessarily brief and are subject to the provisions, limitations, and exclusions that can only be expressed in the policy and related endorsements. Benefits and services outlined on this web site are provided at no additional cost unless otherwise specified. Discounts, credits, and benefits are available where state laws and regulations allow and may vary by state. Please contact your insurance representative for additional details.
Teachers Auto Insurance
- At Liberty Mutual Insurance, we're giving you something in return for everything you give to students. That's why we offer special insurance benefits for teachers1 - at no additional cost:
- $0 deductible if your vehicle is vandalized on school property or during school-related events
- Personal Property Coverage if your personal teaching or school-owned property is stolen or damaged while in your vehicle, you're covered up to $2,500 per occurrence
- $0 deductible if your vehicle is damaged in a collision while you're driving it on school business2
- Call 1-888-823-5644
- 1Not available in all states.
2A $100 deductible applies in PA.
3Discounts and savings are available where state laws and regulations allow and vary by state.
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
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