Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 14, 2021

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In a nutshell...

  • Liberty Mutual offers cars, home, worker’s compensation, and even commercial insurance products
  • Bundling your insurance needs can save your money
  • Drivers with clean driving records can also reap the rewards of lower monthly premiums

Liberty Mutual Insurance Company is part of the Liberty Mutual Group, a widespread firm which offers automobile, homeowners, workers compensation, and commercial insurance products.

If you have insurance with Liberty Mutual, there are several discounts which you may have available to you and which you should talk to your agent about immediately.

These discounts can significantly lower the cost of your automobile and other insurance premiums.

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Types of Discounts


If you bundle all of your insurance products with Liberty Mutual, you may save a good bit on your homeowner’s policy.

Having your homeowners and auto with Liberty Mutual may result in up to a 10 percent discount on the total of your homeowner’s policy premiums.

— Multi-Vehicle Discount

If you bundle all of your insurance products with Liberty Mutual, you may save a good bit on your homeowner’s policy.

Having your homeowners and auto with Liberty Mutual may result in up to a 10 percent discount on the total of your homeowner’s policy premiums.

You can also get a discount for insuring more than one car with Liberty Mutual. If you have two or more cars insured under the same primary insured person, you will get a discount on the total of your bill.

The amount of the discount depends on how many cars you insure and your general insurance rate.

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— Good Student Discount

With the good student discount, any children you insure on your auto insurance policy may receive a discount for maintaining a B average in school. This applies if your child is in high school and just getting a license, or in college and away from home.

With costs so high for insuring teenagers, this is a valuable discount which can save you large amounts of money over time. This discount is good for every year your child is in school.

— Group Affiliation Discounts

Where you work or go to school may also get you a discount with Liberty Mutual.

The company recognizes over 14,000 employers, schools, and other institutions which belong to Liberty Mutual’s affinity program, and membership will give you a discount on your auto insurance.

This includes a large number of alumni associations, so some drivers even continue to receive this discount long after you have finished your education.

— Vehicle Safety Features Discount

The accessories and mileage on your car may also get you a discount, and the more safety features your vehicle sports, the more your discount may be.

Drivers may able to obtain discounts for passive restraint systems such as airbags, for antilock brakes, and for anti-theft devices.

Drivers with low mileage may also qualify for a discount. These discounts apply to different parts of your policy; for example, the anti-theft discount will apply to your comprehensive coverage.

— Good Driver Discount

Of course, by not filing a claim or having an accident or ticket for a period of time, your premiums will also decrease.

Keeping your driving record clean is the number-one thing you can do to keep your premiums low, although these discounts can also help.

— Full Coverage Replacement Value

Liberty Mutual also offers full-coverage replacement value with many policies on your vehicle if it is less than a year old.

While not technically a discount, this addition to your policy can save you thousands of dollars by providing gap coverage between what your vehicle is worth and what you owe on it and makes it well worth investigating.

You can obtain dozens of discounts on all your insurance products from Liberty Mutual, but you must be aware of the available discounts and ask for them when you talk to your agent.

A review of your insurance yearly is advisable; this process helps you identify discounts you may be missing. Sit down with your agent and take the time to go through all the changes of the past year—you may be surprised at how much you can save!

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