How to Compare Car Insurance
There's more to car insurance than the dollar amount.
Ensure Coverages, Limits and Deductible Amounts are the Same
Higher coverages and limits, as well as lower deductibles, will raise the premium you pay. At the same time, lower coverages and limits and higher deductibles will lower your premium. Be sure, also, that you are comparing the same coverage period, usually a 6-month or 12-month term.
Use the limits listed on your current policy, or use our to select the amounts you'll use to compare car insurance rates.
Know What Coverage You're Getting
Auto insurance policies have a number of components. When you compare car insurance it's a good idea to be familiar with concepts such as:
- Medical payments and personal injury
- Uninsured/underinsured motorists
- Collision and comprehensive
Know What Policy Features are Included
When Liberty Mutual provides you with a car insurance quote, we list all coverages and features of the policy so that you know 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.