Liberty Mutual has standard auto policies, as well as upgraded, each with a different perk, including the following:
- Accident forgiveness: Regardless of who is at fault, your premium won’t go up when you have your first accident. This option is currently unavailable in California. This may also be different from state to state.
- New car replacement: If your car gets totaled within the first year and your first 15,000 miles, then you will be reimbursed the cost of your new car, not just the value to which it depreciated.
- Better car replacement: Liberty Mutual goes a step further than just, “new car replacement.” If, at any age or mileage, you can be reimbursed for a car one year younger and with 15,000 less miles on it than your totaled car.
- Deductible fund: This option, Liberty Mutual will create a fund to lower your collision deductible. Both you and Liberty Mutual will be contributing to weigh it down ($70 and $30, respectively).
Liberty Mutual also offers a special kind of insurance called, “Teachers’ Auto Insurance.” It may or may not be available in your state, but if you are a teacher, you can receive the following for no extra cost:
- Loss Protection from Vandalism: There is no deductible if your vehicle is vandalized, in any way, while at school-related events or being on school property.
- Covers Personal Property: Liberty Mutual will reimburse up to $2,500 per situation if the materials you use for teaching, or property owned by the school, is stolen or damaged while in your vehicle
- Collision: If you car is damaged in an accident while driving it for school-related purposes, then there is no deductible. However, in Pennsylvania, there is a $100 deductible