Car Insurance Benefits

Insurance Policies are About More Than Just Coverage

driver talks car insurance benefits with passenger
Your auto insurance policy includes more than just coverage for your vehicle. It may also include some added benefits (some that are standard, some you can add) that can help make your insurance experience as hassle-free as possible.

+Accident Forgiveness-Accident ForgivenessAccident Forgiveness
If you've been accident and violation-free for 5 years (no matter what insurance carrier you've been with), we won't raise your rates due to your first accident. If you qualify, you'll receive this benefit at no extra cost. Learn more about Accident Forgiveness.
+Lifetime Repair Guarantee-Lifetime Repair GuaranteeLifetime Repair Guarantee
If your car is in an accident covered under your policy, you can have it fixed at one of our approved repair shops and the repairs will be guaranteed for as long as you own your vehicle. Learn more about our Lifetime Repair Guarantee.
+Auto Recall Notification Service-Auto Recall Notification ServiceAuto Recall Notification Service
If a safety recall that affects your car is issued, we’ll let you know so you can take care of the problem as soon as possible. Log in to your Liberty Mutual account any time to see all the active safety recall notifications affecting your vehicle in the past six months. Learn more about Auto Recall Notifications.
+24-Hour Roadside Assistance-24-Hour Roadside Assistance24-Hour Roadside Assistance
If your vehicle ever breaks down, we won't leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance coverage will get you moving again - we'll even make the arrangements.1 Learn more about Roadside Assistance.
+12-Month Rate Guarantee-12-Month Rate Guarantee12-Month Rate Guarantee
Many auto insurance policies only last 6-months. This means that your rate can change after only half a year. At Liberty Mutual, our policies are for a full-year - guaranteeing your rate for an entire year.
+Convenient Payment Options-Convenient Payment OptionsConvenient Payment Options
Paying your bill should be quick and easy; whether over the phone, online or through our mobile app, there are a number of options at your disposal. Have your payments deducted automatically from your checking or savings account (Electronic Funds Transfer), pay by credit card, mail us a check – you decide.2
+After-Hours Policy Services-After-Hours Policy ServicesAfter-Hours Policy Services
Have a policy or billing question, or need to change your policy? You can call our customer service representatives for expert help with questions regarding your policy and billing after normal business hours and on weekends.

Call 1-888-398-8924, Mon.-Fri. 8 am-10 pm ET, Sat. 8 am-8 pm ET, Sun. 11 am-5 pm ET.
+Manage Your Policy Online-Manage Your Policy OnlineManage Your Policy Online
Make or schedule a payment, switch to paperless delivery, update policy information, track claims status, view transaction history and more with our online services. Register for eService today to begin managing your auto, home and life insurance policies from your computer or mobile device. Learn more about how to manage your policy online.
The descriptions of benefits listed on this website are necessarily brief and are subject to the provisions, limitations and exclusions that can only be expressed in the policy and related endorsements. Benefits and services outlined on this website are provided at no additional cost unless otherwise specified. Discounts, credits and benefits are available where state laws and regulations allow and may vary by state. Please contact your insurance representative for additional details.

1 With the purchase of optional Towing & Labor coverage. Towing related to accidents would be covered first under your Collision or Comprehensive coverage, or under Towing and Labor if your policy does not include Collision/Comprehensive.

2 Credit card fees apply and may vary by state.
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