Liberty Mutual Deductible Fund®

Save for the unexpected by lowering your deductible each year. Call us today to add it to your existing policy or begin your customized auto quote below.

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What's a Deductible Fund?

A deductible fund goes by many names, like "vanishing deductible" or "disappearing deductible" with rules that vary by company. Sort of like a rainy-day fund, it's a way to put money aside, in case you need it in the future.

In general, the Liberty Mutual Deductible Fund breaks down like this

  • You pay a little more ($30 per year) in your premium toward the fund
  • We contribute $70 per year to the fund
  • This equals $100 per year added to the fund
  • These funds can then be used to reduce your deductible when/if they're needed

How it works

First, what is a deductible? A deductible is the initial amount you pay out of pocket toward a claim before your coverage kicks in (even if you're not at fault).

In general, the Liberty Mutual Deductible fund breaks down like this

  • You pay a little more ($30 per year) in your premium toward the fund
  • We contribute $70 per year to the fund
  • For a total of $100 per year added to the fund
  • These funds can then be used to reduce your deductible when/if they're needed

Please note, after year 5, you'll continue to earn and save beyond $500.

Breakdown of how much you can with Liberty Mutual's Deductible Fund coverage

Are there any requirements for the Liberty Mutual Deductible Fund?

Yes. Although the Deductible Fund is an optional coverage, you need to have Collision Coverage with a deductible to qualify.

Deductible Fund in action

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Enroll in Deductible Fund

Existing customers, just give us a call to enroll. If you're new here, get an auto quote online in under 5 minutes to see how much you could save!
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Save on your deductible

Once a claim is filed, you must pay your insurance deductible. This deductible will be reduced by the balance in your Deductible Fund.
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Check your deductible balance

Use your Deductible Fund to reduce the cost of your original deductible, so you pay less out-of-pocket.
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Renews automatically

If you need to use your entire fund, your Deductible Fund resets automatically at renewal.
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Watch your fund grow

Your fund builds each year, so the money in your Deductible Fund is there when you need it.

Begin your free online quote

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