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      07-10-2012, 10:36 AM   #1
e92328i998
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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
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      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, 04:09 PM   #7
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I have Liberty Mutual BMW Performance insurance on 3 cars and Liberty Mutual Homeowners--Save a ton of $$ over Allstate, State Farm, etc.
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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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      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, 08:49 AM   #13
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I had liberty before, although I had never had a claims, so I don't know if their claim service are good or not, everything else seems ok.
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      07-11-2012, 01:54 PM   #14
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Quote:
Originally Posted by e92328i998 View Post
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
Damn, Lucky you. I guess it is just where I live. I have All State and I pay $2k/ 6months. And I am getting a better rate than most of the people I know. This is for 3 cars, Accord/Jetta/Altima (the bmw isnt yet insured), at 100/300/100 coverage.
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      07-11-2012, 02:40 PM   #15
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I'm with USAA and they're great. I wouldn't switch.
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