from www.libertymutual.com
Some Important Factors Affecting Car Insurance Rates
How does Liberty Mutual determine what your auto insurance quote should be? Auto insurance companies look at a number of factors when determining auto insurance rates. Here are some of the most important.
Your Vehicle - The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle's safety features can help lower your auto insurance quote, as can the amount and types of driving it's used for.
Your Address - Where you live and garage your vehicle will affect your auto insurance quote.
Your Driving Record - Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your auto insurance quote.
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Auto Insurance Rates and Causes
What's Behind Auto Insurance Rates?
What's Behind Auto Insurance Rates?
Here are some of the top "drivers" of auto insurance rates:
- People Have Accidents - over 40 million accidents in the world each year.
- Cars are Expensive to Repair - replacement parts alone cost about 3 times as much as purchasing the same car new.*
- Medical Treatment for Accident Victims is Expensive - rising health care costs in the U.S. mean upward trends in medical treatment costs in the event of an accident.**
- People Steal Cars - as auto theft continues to rise, so will the cost of auto insurance.
- Some People File Fraudulent or Inflated Claims - these people believe an accident is an opportunity to make money.
Learn More about why auto insurance rates are what they are, what we're doing and what you can do to help.
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*Property Casualty Insurers Association of America (PCIAA) 2002 study using a 2002 Dodge Grand Caravan Sport vehicle.
**U.S. Bureau of Labor and Statistics
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Getting Auto Insurance Quotes
Getting an Auto Insurance Quote From Liberty Mutual
Getting an Auto Insurance Quote From Liberty Mutual
Getting auto insurance quotes from Liberty Mutual is secure, quick and easy.
Accurate Auto Insurance Quotes
To get the most accurate quote, it helps to review your auto insurance policy for current coverages and deductibles. In most cases, we’ll give you multiple auto insurance quotes with a variety of coverages and deductibles so you can pick the policy and limits that work for you. You can also edit the auto insurance quotes we provide to best meet your personal needs.
What You'll Need
In addition to having your current policy handy as a reference, you'll also need to provide driver information including vehicle history, the location where your vehicle is stored, and the make, year and model of each vehicle you want an auto insurance quote for, as well as current odometer readings. In many cases we can fill-in your vehicle information for you based on public records. You can get auto insurance quotes for up to 4 vehicles online.
Auto Insurance Discounts
During the auto insurance quote process, we'll ask a lot of questions. This is because we want to provide the most accurate quote possible, and see to it that you receive the auto insurance discounts you qualify for.- Where to Go
You can get auto insurance quotes online2012040114575729, over the phone or from one of Liberty Mutual’s
local agents2012040118340950.
Get an Auto Insurance Quote2012040114575729
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QUICK LINKS
- Get a Free Quote2012040114575729
- Retrieve Your Quote2009080313410142
- Find a Local Agent2012040118340950
- Customer Login2012033017144851
Purchasing Online Auto Insurance
Purchasing Your Policy Online
Purchasing Your Policy Online
Once you have the quote that's right for you and your auto insurance needs, the next step is to purchase the policy. Here are some important things to know about buying online auto insurance from Liberty Mutual.
If you are replacing your current auto insurance, it's critical that your new policy begins on the day your current policy expires. For example, if your current policy expires the 15th of the month, you should select the 15th as the start date for your new policy.
When purchasing online auto insurance, you'll have the opportunity to verify the information you provided during the online quote. Remember that the premium you select is based in part on the information you provide to us. Your final premium may be adjusted based on verification of driver and vehicle information with consumer agencies.
The discounts you qualify for on your auto insurance policy will also be listed to review before you purchase your policy. Learn more here: Saving on Your Car Insurance Quote.
You will also have various payment options to choose from. The quote you receive is based on Automatic Monthly Withdrawals or paying the premium in full.
As always, if you have any questions when buying online auto insurance, just give us a call or contact a Local Agent2012040118340950.
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Lewis Insurance
2525 S Lamar Ste 11
Austin, TX
78704
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