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Liberty Mutual vs. Allstate Insurance

When you are shopping for your auto insurance it goes without saying that some of the biggest players in the space come into your mind. In this case, it may be Liberty Mutual Insurance and Allstate Insurance. Most would consider these companies in the top five biggest insurance companies in the United States. With that in mind, both of these auto insurance company’s do have their similarities and differences. So we are here to help you make that decision or help guide you to pick the right Insurance Company for you and your vehicle.

We’re going to compare discounts, benefits, and customer service ratings to help you and your decision making process when picking your auto insurance coverage.

Our Allstate Insurance Rating

Our Liberty Mutual Insurance Review

Discounts

When shopping for auto insurance policies customers tend to gravitate towards the cheapest insurance premium they can get per month. Although being cost-effective is great the amount of coverage that you get easily be overlooked when you’re shopping around for the cheapest price. Which is why some of the auto insurance companies on the space today offer you discounts when you are shopping with them.  Both Liberty Mutual Insurance at Allstate Insurance has their own discounts that can drastically reduce the price are their insurance premiums if you qualify. What’s a lot of the big players in the space you can guarantee that all of the discounts can be similar within each of these companies.  So for you to make a decision it really depends on the small details of stand out for you and the discounts offered to be a big turning point. So let’s see what these discounts are:

Liberty Mutual Discounts:

With Liberty Mutual, some of the most prominent discounts that they have for their customers are multi-policy discounts and safety discounts with good driving records. So what does this exactly mean?

  • Multi-Policy
    • If you decide to take car insurance, home insurance, life insurance, health insurance, you can be entitled to a percentage discount what’s your monthly premium.  You won’t necessarily need to take all of these insurance coverages most of the time two of the four insurance policies would be sufficiently allowing you for the discount. For more information regarding their multi-policy discount please contact Liberty Mutual Insurance.
  •  Safety Discounts
    •   Depending on the type of vehicle you drive you can be reimbursed on your insurance premium with the safety features it has. Suppose you recently purchased a brand new vehicle that has a lot more safety features Liberty Mutual they provide you with a discount on your insurance premium for safety features such as anti-lock brakes, car theft alarms, adaptive headlights and more.

 

These are just two of many discounts Liberty Mutual Insurance offers for existing customers work brand new customers shopping around for new insurance. For more information regarding their discounts and savings you can get on your insurance premium please contact Liberty Mutual Insurance and fill out the information for a free quote here.

Allstate Discounts

Allstate Insurance has a ton of discounts most of which are very similar to Liberty Mutual insurance as well.  So let’s see what discounts Allstate Insurance has for their customers:

Like Liberty Mutual Insurance Allstate also offers a multi-vehicle policy, as well as a multi-policy discount. They even have a little bit of an advantage in the marketplace because they offer discounts towards the elderly.

  • Senior Discount
    • With Allstate Insurance if you are 55 years or older and retired, what can be considered a senior citizen Allstate Insurance will provide you a discount on your insurance premium per month.
  • Safe Driver
    • If you are a safe driver and Allstate’s eyes it will provide you with the discount as long as you qualify. To maintain a perfect driving record to be entitled to these discounts.

Like we mentioned before these companies have similar discounts available to their customers.  It really depends on the initial price when they quote you and after that, anything else that is applied as a discount can be considered savings for you.  But if hang slightly higher for a monthly insurance premium is not a deal-breaker for you and possibly benefits will be the highest value. So let’s take a look at the benefits for both Allstate insurance as well as Liberty Mutual.

Company benefits

Allstate Benefits:

Allstate Insurance offers you many benefits outside of initial discounts. So let’s take a look at some of the biggest benefits available by Allstate.

  • Accident Forgiveness
    •  With many insurance companies getting into an accident can be very scary especially because the fear of your insurance policy increasing can be quite hefty.  So I’ll send Insurance offers you with an accident forgiveness program if you were ever on fault or-or in an accident with Allstate they will forgive the accident and not increase your insurance premiums per month.
  • Two Year Replacement
    • With Allstate Insurance if you are ever in an accident within the first 2 years of your model years Allstate Insurance will reimburse you for the actual Book value of the vehicle at that time.

 

Liberty Mutual Benefits

Liberty Mutual also offers its fair share of benefits to their customers. So let’s take a look at the most prominent benefits available.

There are many benefits with Liberty Mutual Insurance most of them revolve around the accident and what benefits you would reap. This is so during the claims process you incurred the least amount of expenses on your end.

  • Better Car Replacement
    • This benefit is quite you need to Liberty Mutual Insurance. If you’re ever in an accident and your vehicle is deemed the total loss Liberty Mutual Insurance will actually provide you with a check for the amount of a vehicle that is one year newer then your current vehicle and has 15,000 miles less. For example:  if you drive 2015 Mercedes-Benz with 15000 miles and you’ve gotten it into an accident and it was deemed a total loss by the insurance company, Liberty Mutual Insurance will write you a check for the same vehicle with the model year of 2016 and 15000 miles less than what your current vehicle had at the time of the accident.
  • Accident Forgiveness
    • If you are ever in an accident for the first time with Liberty Mutual Insurance they would forgive it you forgot accident regardless of it being your fault. There will be no punishment for your insurance premium as well.

Summary

Between both of these companies, it can be difficult to make the final decision,  but we hope we went out the pros and cons with both companies that help you with a few takeaways that you can think about when you’re ready to make your final decision. If you’re looking for more information on Liberty Mutual or Allstate please check out our reviews on them.

 If you think we’ve provided you with sufficient information definitely feel free to get a free quote online either Liberty Mutual insurance and all state or both. This is a no obligation quote so that way you have a rough price of what you’ll be paying and how to make your decision final.

If you think Liberty Mutual or Allstate Insurance companies are not good for you definitely check out the other comparisons we have available.

Why not take the time to check out some of other reviews? 

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