Auto-Owners vs Liberty Mutual Car Insurance for 2024

Choosing the right car insurance company can be a daunting task, but it’s an essential one. Not only is car insurance mandatory in most states, but it can also protect you financially in case of an accident.

This is why it’s crucial to compare car insurance quotes from reputable companies like Auto-Owners car insurance and Liberty Mutual car insurance.

• Both Auto-Owners and Liberty Mutual are known for their superior customer service, which is evident from their high customer satisfaction ratings.
• Auto-Owners is a mutual insurance company, which means that it is owned by its policyholders, making it unique in the insurance industry.
• Liberty Mutual is one of the largest insurance companies in the world, with a presence in over 20 countries.

In this article, we’ll take an in-depth look at these two companies, examining their history, products, services, discounts, customer reviews, and more, to help you make an informed decision.

History and Mission

Auto-Owners Insurance was founded in 1916 by Vern Moulton, and it has been providing insurance coverage for over 100 years. The company’s mission is to provide exceptional customer service and affordable insurance products to its policyholders. As a mutual insurance company, Auto-Owners is unique in that it is owned by its policyholders, who share in the company’s profits through dividends.

Liberty Mutual was founded in 1912 and has since become one of the largest insurance companies in the world. Its mission is to help people preserve and protect the things they earn, build, own, and cherish. The company prides itself on its commitment to customer service and innovation, always striving to find new ways to meet the evolving needs of its policyholders.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Products and Services

Auto-Owners and Liberty Mutual are two of the largest car insurance companies in the United States, offering a wide range of products and services to their policyholders. In this section, we’ll take a closer look at the products and services offered by each company.

Auto-Owners Products and Services

Auto-Owners offers a variety of car insurance coverage options, including:

• Liability Coverage: This type of coverage pays for damages or injuries you may cause to others in an accident. It typically includes bodily injury liability, which covers medical expenses and lost wages, and property damage liability, which covers damages to another person’s property.
• Collision Coverage: This type of coverage pays for damages to your car in the event of a collision with another vehicle or object.
• Comprehensive Coverage: This type of coverage pays for damages to your car caused by things like theft, vandalism, fire, and natural disasters.
• Personal Injury Protection: This type of coverage pays for medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who was at fault.

In addition to these basic coverage options, Auto-Owners also offers optional coverage options like:

• Roadside Assistance: This coverage option provides assistance if your car breaks down on the side of the road. It typically includes services like towing, jump-starts, and fuel delivery.
• Rental Car Reimbursement: This coverage option pays for a rental car while your car is being repaired after an accident.
• Gap Insurance: This coverage option pays the difference between what you owe on your car loan and the actual cash value of your car in the event that your car is totaled.

Liberty Mutual Products and Services

Like Auto-Owners, Liberty Mutual offers a range of car insurance coverage options, including:

• Liability Coverage This type of coverage pays for damages or injuries you may cause to others in an accident. It typically includes bodily injury liability, which covers medical expenses and lost wages, and property damage liability, which covers damages to another person’s property.
• Collision Coverage This type of coverage pays for damages to your car in the event of a collision with another vehicle or object.
• Comprehensive Coverage This type of coverage pays for damages to your car caused by things like theft, vandalism, fire, and natural disasters.
• Personal Injury Protection This type of coverage pays for medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who was at fault.

In addition to these basic coverage options, Liberty Mutual also offers optional coverage options like:

• New Car Replacement: This coverage option pays for a new car of the same make and model if your car is totaled within the first year of ownership.
• Better Car Replacement: This coverage option pays for a car that is one model year newer and has 15,000 fewer miles than your totaled car.
• Accident Forgiveness: This coverage option prevents your premiums from increasing after your first accident.

Ultimately, the choice between these two companies will depend on your individual circumstances, including your budget, driving history, and the level of coverage you require. We encourage you to compare quotes from both companies to determine which one is the right fit for you.

Cost of Coverage

The cost of car insurance offered by Auto-Owners varies depending on a number of factors, including your age, driving history, location, and the level of coverage you require.

Like Auto-Owners, the cost of car insurance offered by Liberty Mutual varies depending on a number of factors, including your age, driving history, location, and the level of coverage you require. On average, both Auto-Owners and Liberty Mutual car insurance is also priced competitively when compared to other major car insurance companies in the United States.

States Offering Coverage

Let’s take a closer look at the states where Auto-Owners and Liberty Mutual offer car insurance coverage.

Auto-Owners Car Insurance Coverage

Auto-Owners offers car insurance coverage in the following states:

• Alabama
• Arizona
• Arkansas
• Colorado
• Florida
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Michigan
• Minnesota
• Missouri
• Nebraska
• North Carolina
• North Dakota
• Ohio
• Pennsylvania
• South Carolina
• South Dakota
• Tennessee
• Utah
• Virginia
• Wisconsin

Liberty Mutual offers car insurance coverage in all 50 states and the District of Columbia.

If you live in a state where both companies offer coverage, we encourage you to compare quotes and policies to determine which one is the best fit for your individual needs. It’s important to consider factors such as coverage limits, deductibles, and available discounts when making your decision.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Discount Options Available

let’s take a closer look at the discounts offered by both Auto-Owners and Liberty Mutual.

Auto-Owners Car Insurance Discounts

Auto-Owners offers a variety of discounts to help their customers save on car insurance premiums. Some of the most common discounts include:

• Multi-Policy Discount: If you have multiple insurance policies with Auto-Owners, such as home insurance or life insurance, you may qualify for a discount on your car insurance premiums.
• Multi-Car Discount: If you insure multiple cars with Auto-Owners, you may qualify for a discount on your car insurance premiums.
• Safe Driver Discount: If you have a good driving record with no accidents or moving violations, you may qualify for a safe driver discount.
• Paid-In-Full Discount: If you pay your car insurance premiums in full, rather than in monthly installments, you may qualify for a discount.
• Good Student Discount: If you are a student with good grades, you may qualify for a good student discount.
• Anti-Theft Device Discount: If your car is equipped with an anti-theft device, you may qualify for a discount on your car insurance premiums.
• Green Discount: If you drive a hybrid or electric vehicle, you may qualify for a discount on your car insurance premiums.

Liberty Mutual Car Insurance Discounts

Liberty Mutual also offers a variety of discounts to help their customers save on car insurance premiums. Some of the most common discounts include:

• Multi-Policy Discount: If you have multiple insurance policies with Liberty Mutual, such as home insurance or renters insurance, you may qualify for a discount on your car insurance premiums.
• Multi-Car Discount: If you insure multiple cars with Liberty Mutual, you may qualify for a discount on your car insurance premiums.
• Safe Driver Discount: If you have a good driving record with no accidents or moving violations, you may qualify for a safe driver discount.
• Good Student Discount: If you are a student with good grades, you may qualify for a good student discount.
• Newly Retired Discount: If you are over the age of 55 and retired, you may qualify for a discount on your car insurance premiums.
• Preferred Payment Discount: If you set up automatic payments for your car insurance premiums, you may qualify for a discount.
• Anti-Theft Device Discount: If your car is equipped with an anti-theft device, you may qualify for a discount on your car insurance premiums.

When comparing policies and quotes, be sure to ask about available discounts to see if you qualify for additional savings. Keep in mind that not all discounts are available in all states or with all policies, so be sure to ask your insurance agent or representative for more information.

Case Studies: Auto-Owners vs Liberty Mutual Car Insurance

Case Study 1: Auto-Owners Car Insurance

Mr. Johnson, a 35-year-old driver from California, compared car insurance quotes from different providers and decided to go with Auto-Owners. He found that their comprehensive coverage and affordable rates suited his needs and budget perfectly. Despite being involved in a minor accident, Mr. Johnson was pleased with the smooth claims process and excellent customer service provided by Auto-Owners.

Case Study 2: Liberty Mutual Car Insurance

Ms. Martinez, a 28-year-old driver from New York, conducted thorough research before choosing her car insurance provider. After comparing various options, she selected Liberty Mutual for its comprehensive coverage options and reputation for handling claims efficiently. When her vehicle was damaged in a hailstorm, Liberty Mutual promptly processed her claim and covered the repair costs without any hassle.

Case Study 3: Auto-Owners vs Liberty Mutual

Mr. Anderson, a 40-year-old driver from Texas, faced a dilemma when choosing between Auto-Owners and Liberty Mutual for his car insurance needs. After careful consideration, he decided to compare quotes from both companies. While Auto-Owners offered competitive rates and a strong reputation for customer service, Liberty Mutual stood out with its extensive coverage options and flexible payment plans.

Streamlining the Auto-Owners and Liberty Mutual Claims Process

Ease of Filing a Claim 

Auto-Owners and Liberty Mutual understand the importance of a hassle-free claims process. They offer multiple convenient channels for filing claims, ensuring accessibility for all policyholders. Whether you prefer the ease of online submissions, the personal touch of phone interactions, or the convenience of mobile apps, both companies have you covered. This flexibility underscores their commitment to simplifying the claims process.

Average Claim Processing Time

Auto-Owners and Liberty Mutual share a dedication to efficient claims processing. While processing times may vary based on individual circumstances, both insurers prioritize prompt resolutions. Speedy claims processing is vital to reducing stress for policyholders during challenging times. Both Auto-Owners and Liberty Mutual work diligently to provide timely responses, ensuring that claims are handled efficiently.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of the effectiveness of the claims process. Both Auto-Owners and Liberty Mutual have earned commendable reviews from policyholders regarding their claim resolutions and payouts. These insurers consistently receive praise for their transparent and professional approach to handling claims.

While every claim situation is unique, both Auto-Owners and Liberty Mutual aim to ensure that policyholders experience fair and satisfactory outcomes. Building trust and satisfaction through equitable claims resolutions remains a shared priority.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Navigating the Auto-Owners and Liberty Mutual Digital and Technological Features

Mobile App Features and Functionality

Auto-Owners and Liberty Mutual recognize the importance of digital accessibility and have invested in feature-rich mobile apps to enhance the overall insurance experience. These mobile apps empower policyholders with convenient access to crucial policy information, premium payments, and, notably, claims submissions.

Tailored to ensure user-friendliness, these apps enable policyholders to effectively manage their insurance affairs while on the go. With features designed for policy management, these apps guarantee that vital information is readily available, enhancing efficiency and overall satisfaction.

Online Account Management Capabilities

Both Auto-Owners and Liberty Mutual offer robust online account management capabilities through secure web portals. These user-friendly platforms enable policyholders to efficiently access and customize their policies, review billing and payment details, and monitor their coverage.

With these online tools, policyholders can take proactive control of their insurance needs from virtually anywhere, ensuring they maintain full authority over their insurance matters. This empowerment fosters efficiency and transparency throughout the insurance experience.

Digital Tools and Resources

Auto-Owners and Liberty Mutual provide policyholders with a comprehensive suite of digital tools and resources aimed at educating and assisting them. These resources encompass informative articles, frequently asked questions (FAQs), and interactive tools.

Whether seeking insights into coverage options, navigating insurance regulations, or estimating premiums, policyholders have access to valuable information that empowers them to make informed decisions. These digital resources enable policyholders to actively manage their insurance coverage, fostering transparency and efficiency in their insurance journey.

Customer Feedbacks

Auto-Owners has generally positive reviews from both customers and industry experts. According to J.D. Power’s 2020 U.S. Auto Insurance Study, Auto-Owners ranks above the industry average in overall customer satisfaction, with a score of 893 out of 1000. This puts them in the top tier of auto insurance companies in terms of customer satisfaction. The company also has an A+ rating from the Better Business Bureau, indicating a high level of trustworthiness and customer service.

Liberty Mutual also has generally positive reviews from both customers and industry experts. According to J.D. Power’s 2020 U.S. Auto Insurance Study, Liberty Mutual ranks slightly below the industry average in overall customer satisfaction, with a score of 881 out of 1000. While this is still a respectable score, it suggests that there is room for improvement in terms of customer service and satisfaction.

Both companies have high levels of trustworthiness and customer service, as indicated by their A+ and A ratings from the Better Business Bureau. When comparing policies and quotes, be sure to consider customer reviews as well as cost and coverage options to find the best car insurance for your needs.

In Summary: Auto-Owners vs Liberty Mutual

In conclusion, both Auto-Owners and Liberty Mutual are reputable car insurance companies with long histories and a wide range of coverage options. While Auto-Owners generally ranks higher than Liberty Mutual in terms of customer satisfaction, both companies have positive reviews from customers and industry experts.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption