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BMW 3-Series (E90 E92) Forum
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Liberty Insurance
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07-10-2012, 10:36 AM | #1 |
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Liberty Insurance
I just got a quote for BMW's Liberty Insurance and it was actually pretty good. Does anyone have any experience with them. I currently have USAA which has been great but the savings is pretty good.
This is what I have currently on a 2010 Chevy Tahoe and 2011 BMW 328i 300/500/300 Liability 300/500/300 Uninsured Motorist 250 Comprehensive 500 Collision Rental Car $854/6months BMW's Liberty Mutual 500/500/500 Liability 500/500/500 Uninsured Motorist 250 Comprehensive 500 Collision Rental Car $1316/year Almost $400 in savings is pretty good but I wanted to hear from people who have the insurance to see how the service etc was. I thing USAA is rated at AA and Liberty is an A to A- depending on what ratings agency you look at. TIA Seth |
07-10-2012, 10:45 AM | #2 |
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It's just Liberty Mutual with a BMW discount. You may be able to save even more if you tell them you have a college degree and name your college.
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07-10-2012, 12:11 PM | #3 |
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liberty mutual?
you're kidding, right?
When I moved to MA, I went to the local Liberty Mutual office to start my policy in MA. While sitting with the agent, we called my former state's insur- ance agent and requested cancellation for that policy as I'd just purchased a new policy in MA. I had to return home to obtain additional paperwork for the Liberty Mutual office when an 18-wheeler knocked my car off the road - making it a total loss. When I finally got to my home and phoned the Liberty Mutual office, the agent said, "Oh I am so sorry to hear that. You're not covered - you need to call the other agent." I called them and they said the same thing. Then I filed a complaint with the Office of the State Attorney. It turned out BOTH companies had to cover my loss as when one cancels a policy one is still covered til midnight AND when one buys a policy it is retroactive from midnight. Will I EVER buy an insurance product from Liberty Mutual? |
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07-10-2012, 12:19 PM | #4 |
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its decent but i pay less at gecko for the same coverage and 2 additional vehicles...Depends on alot of factors so you wont get a fair comparison but if its cheaper than what u have now its a no brainer.
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07-10-2012, 02:44 PM | #5 |
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Have liberty, love it. I have shopped my insurance several times over the years and no one has come close. Multi Policy, Multi Car with discounts based on alumni.
Being in AZ, I have glass coverage (lots of rocks flying on the roads) and have used it on 2 occasions without hassle. Never had to deal with it on any other damage however. |
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07-10-2012, 03:36 PM | #6 |
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I have Liberty Mutual and love it. It protects all of my vehicles (BMW, Mercedes and Jeep) and I only pay about $151/month.
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07-10-2012, 04:57 PM | #8 |
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Liberty Mutual, even with the BMW discount, could not even come close to what I am paying State Farm. Insurance is incredibly individual, all you can do is shop around. I do so every year just to keep my State Farm agent honest. So far in 11 years no one has been enough cheaper to bother to switch.
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'11 328! Touring - Tasman on Chestnut, 6spd manual, factory upside-down "i" option '11 128i Convertible - Space Gray on Savannah Beige, 6spd manual, also '14 Mercedes-Benz E350 wagon, '95 Land Rover Discovery, '74 Triumph Spitfire |
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07-10-2012, 05:22 PM | #9 |
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stay with USAA, no hassle with claims at all...they pay super fast and customer service is AWESOME! plus you get a rebate check each year anyway
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07-10-2012, 09:46 PM | #10 |
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I'm a fan of Liberty Mutual.I decided to go with Safeco, which is a wholly owned subsidiary of liberty Mutual. Safeco's rates were a little better and it offered better sewer/sump backup coverage than Liberty under the homeowners policy. Also, if you have an umbrella policy, the umbrella coverage does not apply to uninsured/underinsured motorist coverage under the Liberty auto policy. With Safeco, the umbrella coverage does apply on an excess basis beyond your Um/Uim limits.
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07-10-2012, 10:48 PM | #11 |
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Call USAA. I use to work for Metlife and they quoted me a better rate than my USAA policy was. I called USAA (because I really didnt want to switch, they have been good to me) and they offered to price match for me. 6 month later they again lowered my rate for me.
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07-10-2012, 11:00 PM | #12 |
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Do not drop USAA. There are not many insurance companies that are easier to work with than them.
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07-11-2012, 01:54 PM | #14 | |
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Quote:
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