Liberty Mutual car insurance coverage options
Liberty Mutual auto policies offer the standard insurance options — like liability, collision, comprehensive, uninsured motorist, personal injury protection (PIP), medical payments and more — to meet the auto insurance requirements of any US state. Unlike many top insurance companies, Liberty Mutual offers policies in 12-month terms. While this may seem like a long commitment, it may insulate you from rate increases that often occur at the end of a standard six-month policy. Let’s review Liberty Mutual's more unique coverage options available to add to your insurance policy.
Liberty Mutual Deductible Fund®
This coverage is an optional add-on that allows policyholders to reduce their deductible by $100 each year by paying extra premium.
Liberty Mutual accident forgiveness
Another optional coverage, accident forgiveness prevents your coverage from increasing after your first accident. In order to qualify, you have to be accident- and violation-free for five years (not available in California).
Liberty Mutual lifetime repair guarantee
This coverage option makes the arrangements if your vehicle needs repairs — as long as you own the vehicle. There are more than 2,000 nationwide Guaranteed Repair Network facilities to choose from.
Liberty Mutual new or better car replacement
With this coverage add-on, Liberty Mutual will replace your totaled vehicle with a car one model year newer with less than 15,000 miles. In order to qualify, your vehicle needs to be less than one year old and have less than 15,000 miles on its odometer.
Rental car reimbursement through Liberty Mutual
If your vehicle is damaged in a covered accident, this coverage will reimburse you for the cost of your rental. Coverage limits vary by state.
Liberty Mutual roadside assistance
Policyholders worried about being stranded on the side of the road, consider this coverage. Liberty Mutual’s roadside assistance covers:
- Flat tires
- Dead batteries
- No gas
Auto loan/lease gap
This prevents policyholders from owing more than a vehicle is worth after a total loss. It covers the difference between Liberty Mutual’s valuation of your vehicle versus its loan or financed value, and can also be known as gap insurance.
Original parts replacement
This coverage will replace your vehicle with original manufactured parts after a claim.
Coverage for teachers
An optional coverage designed for teachers and educators, this provides extra protection for your vehicle and teaching materials from perils like vandalism and theft.
Liberty Mutual Mexico car insurance coverage
Liberty Mutual offers coverage in Mexico if you'll be traveling across the border.
Liberty Mutual and Turo
Liberty Mutual provides car insurance to those participating in the car-sharing company Turo. Turo is a peer-to-peer car-sharing company that offers an alternative to traditional car rental companies. Individuals can place their own vehicles up for rent, which makes for a tricky situation when it comes to insurance. Liberty Mutual provides three coverage options to individuals that cover the commercial aspects of renting a private vehicle. Learn more about Turo.