Car Insurance

Your age

Statistics tell us that certain age groups are less likely to have good driving behavior, and are therefore a higher risk to insure.

Where you live

From environmental factors to the number of cars on the road, where you live indicates a lot about what kind of risks you’re more likely to encounter. Even varying regional repair and medical costs determine this aspect of your rate.

The kind of car you drive

The age, condition, and safety features your car has all contribute to what determines your rate.

Your driving history

As you might guess, a good driving record can mean a better rate on your policy, whereas a history of accidents or other violations can mean a higher risk to insure.

A few universal things that contribute to rate increases:

• A notable spike in distracted driving incidents
• Higher medical & auto repair costs
• More drivers on the road

Look at similar policies

When comparing car insurance quotes, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Once you have a better idea of the type of coverage you’re looking for in a policy, this will be easy. To better understand coverage types, browse our car insurance coverages.

Know what policy features are included

Liberty Mutual lists all coverages and features in our policies. This helps you understand exactly what's included in your quote, and which items may have an additional cost, such as towing or car rental coverages. When you compare car insurance, make sure you're getting the coverage you need and the features you want.

Comparing similar coverage, limits, and deductible amounts

Put simply: More coverage + lower deductible = higher premium

Less coverage + higher deductible = lower premium

Also, be sure you're comparing the same coverage period, usually a 6-month or 12-month term.

Deductible

The initial amount you are responsible for before coverage kicks in. In most cases, this amount is simply deducted from your payout after a claim. For example, if your deductible is $500 and you have a $2,000 claim, you will receive $1,500.

Premium

The total amount that you pay for an insurance policy.

Liability

What you’re responsible for in the event of an accident.

Limit of liability

The maximum amount an insurance company can pay for coverage according to your policy

Additional living expenses

Any necessary expenses you incur while you're unable to be in your home due to a covered loss.