Liberty Mutual
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Roadside Assistance 24/7*
Contact Us by Phone:
Customer Service: 1-888-398-8924
Claims: 1-800-225-2467
Sales: 1-800-837-5254
For customer service hours, FAQ's, and to learn about more ways to get in touch, visit the Liberty Mutual Contact Us portal.
*Additional charges apply if your policy does not include the Towing and Labor coverage.

Save for the unexpected with the Liberty Mutual Deductible Fund®

We know that dealing with accidents and claims can be stressful. That’s why we’ve created a valuable benefit: The Liberty Mutual Deductible Fund allows you to lower your deductible by $100 each year by paying just $30 annually, as part of your premium. Call us today to add it to your existing policy or begin your customized auto quote with Liberty Mutual below.

Here's how it works

Once you add Deductible Fund to your policy, we’ll lower your collision deductible by $100 every year.
  • You pay just $30 automatically every year, as part of your premium.
  • Liberty Mutual lowers your deductible by $100…every single year.
  • There’s unlimited potential to grow your Deductible Fund, and it will never expire as long as you’re a Liberty Mutual customer.
Note: After year 5, you'll continue to earn and save beyond the $5001.
Year
You pay (as part of your premium)2
Your deductible reduction3
1 $30 $100
2 $30 $200
3 $30 $300
4 $30 $400
5 $30 $500

What's a deductible?

The initial amount you pay toward a claim before coverage kicks in
Paid even if you're not at fault for the accident
Typically, the lower your deductible the higher your monthly payment…
...and conversely, the higher your deductible, the lower your monthly payment

How you'll benefit

There's unlimited potential to grow your Deductible Fund.
Even if you need to use your fund, you'll continue to earn at the start of your next renewal.
All the vehicles on your policy with Collision Insurance are covered by your policy — not just one.
Your low deductible stays the same all year regardless of accidents.
What happens if you get in an accident?
Your Deductible Fund cuts your out-of-pocket costs when you need it.
01
First, check that everyone is okay. After, be sure to contact Liberty Mutual to report the accident and file your claim.
File your claim online or call us directly
02
Once the claim is filed, you'll be required to pay your insurance deductible. That's where the Deductible Fund kicks in. Your original deductible will be reduced by the balance in your fund, which means less out of pocket expenses for you!
Log in to confirm your deductible balance
03
If you need to use your entire fund, your Deductible Fund will reset automatically at renewal.
You'll continue to remain enrolled in the Deductible Fund
04
In short, the money in your Deductible Fund is there for you whenever you need it.
We'll guide you through the simple payment process

How to enroll in the Deductible Fund

Already a Liberty Mutual auto insurance customer?

It's easy to enroll, and it could save you hundreds down the road.

Not a Liberty Mutual auto insurance customer?

Begin your online auto quote and learn more about how we can bring peace of mind to you.

Un-complicating Car Insurance

Understanding your coverage options shouldn't be so hard. We'll guide you through available coverage types, starting with who and what is covered.
1Optional feature. Applicable for collision coverage only. Subject to terms and conditions. Availability varies by state.
2Pricing varies by state and is based on the number of vehicles with collision coverage on the policy.
3Deductible Fund value is non-transferable and terminates upon non-renewal or cancellation of the endorsement.
1For illustrative purposes only. Subject to the number of covered collision claims, and terms and conditions of your policy.