Get to know your coverage
Auto insurance: Let's drive through the basics
Every driver on the road is different. When it comes to coverage, what’s right for the driver in your left lane may not be quite right for you. That's why we want to help you understand the basics, learn more about extra protection (and who actually needs it), and help you customize the best policy for you and your vehicle.
Coverage Scenarios:
Collision v. Comprehensive
| Scenario 1: There's debris on the road and you hit it | Covered by: Collision |
| Scenario 2: Debris falls off a truck and hits your vehicle before hitting the ground | Covered by: Comprehensive |
| Scenario 3: Debris falls onto the road in front of you and you hit it | Covered by: Collision |
| Scenario 4: Your car hits or is hit by a deer or other animal | Covered by: Comprehensive |
Understanding your deductible
Your deductible is the initial amount you pay out-of-pocket before your coverage kicks in. In most cases, you'll need to pay your deductible up front, even if the claim wasn't your fault.
Auto customers may enroll in the Liberty Mutual Deductible Fund® and receive as much as $70 annually towards their deductible. This helps you save on your deductible year after year when added to your policy, and can greatly reduce or even eliminate your deductible over time.4
Auto customers may enroll in the Liberty Mutual Deductible Fund® and receive as much as $70 annually towards their deductible. This helps you save on your deductible year after year when added to your policy, and can greatly reduce or even eliminate your deductible over time.4
What's driving premiums up across the industry
Several factors — including where you live, what kind of vehicle you drive, and your claims history — can affect your premium. There are also external factors that come into play, like rising medical and vehicle repair costs.
Distracted driving
Today, 1 in 4 accidents involves someone using their cell phone.5
Higher auto repair costs
High-tech safety features are driving repair costs up $1,705 per vehicle, on average.6
More drivers on the road
Over 3 trillion miles were driven in 2016 (up 3% from 2015), resulting in more accidents.7
Rising medical costs
The average cost of bodily injury claims rose 38% between 2006 and 2016.8
Un-complicating auto coverage
Understanding your coverage options shouldn't be so hard. We'll guide you through available coverage types, starting with who and what is covered.
Managing your online account is easier than ever
Make policy changes
Pay bills
Report and track claims
1Optional coverage. Subject to a deductible. May vary by state.
2Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only and may be subject to limits.
3Optional coverage in some states; availability varies by state. Eligibility rules apply.
4Optional feature. Applicable for collision coverage only. Subject to terms and conditions. Availability varies by state.
5Distracted driving: National Safety Council Estimate.
6Higher auto repair costs: Liberty Mutual Insurance: "Cost to Repair a 2016 vs. 2014 Entry-Level Luxury Car"
7More drivers on the road: U.S. Department of Transportation Federal Highway Administration
8Rising medical costs: ISO Fast Track.