IvoryscholarshipWhen you buy a car in the United States, you can’t help but get an insurance on your car. So naturally, buying car insurance is a top priority. When you buy a new car, because most of the car dealerships have cooperated with insurance companies. If you buy a car from a store, you can only get insurance from a certain company. But when the insurance expires, you are free to change the company of your choice. So with car insurance companies in USA, how do you go about choosing? Many people choose to bundle their auto insurance into their homeowner’s insurance so that they can lower their premiums, but is it really cost-effective? This article compiles a comparison and recommendation of the top 6 car insurance companies in USA. Which one is the best for Progressive,Liberty Mutual,Geico,Allstate,State Farm, Farmers?
1. Liberty Mutual Car Insurance Company
Liberty Mutual has been around for over a hundred years. This insurance operations in a total of 17 countries around the world. It including homeowners, life, and maternity insurance. In addition to automobile insurance operations. Liberty Mutual offers standard customized policies to which you can add several types of optional coverage. Including:
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- Accident forgiveness If you haven’t had a car accident or traffic violation in five years. Your premiums won’t increase for a single accident. This coverage is not available in California and may vary by state.
- New Car Replacement If your car is within the first year and the first 15,000 miles. Then you will receive the cost of a new car, not just the depreciated value.
- Better car replacement This takes new car replacement a step further. If your car is at any age or mileage, then you will be reimbursed for a new car with 15,000 miles less than a new car.
- Deductible Fund When you add this feature to your policy, Liberty Mutual creates a “fund” to lower your collision deductible. The insurance company contributes $70 per year and you contribute $30 per year.
- Gap Insurance If your car totals and you owe more than you should on your loan or lease. Gap insurance will pay the difference.
Teacher Auto Insurance
Teacher auto insurance is a unique service offered by Liberty Mutual. While it may not be available where you live, it comes at no additional cost to teachers and includes:
Vandalism Protection. There is no deductible if your vehicle is vandalized during a school-related activity or on school property. (In Pennsylvania, there is a $100 deductible.)
Personal Property Insurance. Liberty Mutual will reimburse you up to $2,500 per accident if your instructional materials or school-owned property are stolen or damaged while riding in your vehicle.
Collision Coverage. There is no deductible if your automobile is accidentally damaged while traveling on school business. (In Pennsylvania, a $100 deductible is required.)
Pros and Cons
Pros of Liberty Mutual
1. quote online and receive a discount of 12% or more;
2. offering many types of coverage;
3. substantial discounts as known above;
4. powerful digital tools;
5. specialized apps available.
Cons of Liberty Mutual
1. lower than average claim satisfaction ratings and less efficient service;
2. below average customer satisfaction rating.
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