Could Switching Auto Insurance Save You Money? Liberty Mutual’s Current Offer Explained
Premiums can vary significantly from one insurer to another. Before switching, compare the full policy—not just the headline price—and check which discounts actually apply to you.
Why Auto Insurance Quotes Can Be So Different
Insurance companies use different rating factors and pricing models, so two drivers with similar vehicles can receive very different premiums. Location, driving history, vehicle type, selected limits, deductibles, mileage, household information, and available discounts can all affect the quote.
That is why it is usually better to compare policies using the same coverage limits and deductibles. Otherwise, a cheaper quote may simply provide less coverage.
What to Compare Before Switching
- Liability limits: Compare the same bodily-injury and property-damage limits.
- Collision and comprehensive deductibles: A higher deductible can lower the premium but increases what you may pay after a claim.
- Uninsured/underinsured motorist coverage: Availability and requirements vary by state.
- Rental, roadside, and other add-ons: Compare what is included and what costs extra.
- Discounts: Ask which discounts are already reflected in the quote and how long they remain available.
- Total policy cost: Compare the full six- or twelve-month premium, not just a monthly installment.
Discounts Can Matter, but Eligibility Matters More
The supplied Liberty Mutual promotion highlights multi-policy, claims-free, and violation-free discounts. Those can reduce premiums for eligible drivers, but discount availability and qualification rules vary by state and by the coverages selected.
Liberty Mutual Highlights a $700 Average Annual Savings Figure
The promotion says customers who switch could save $700 on customized auto insurance and invites drivers to request a quote.
- $700 average annual savings figure referenced in the current promotion.
- Multi-policy discount may be available.
- Claims-free discount may be available.
- Violation-free discount may be available.
- Discounts, eligibility, and savings vary.
How to Judge Whether a Switch Is Actually Better
Keep the comparison apples-to-apples. Match the coverage limits and deductibles, confirm whether optional coverage has been added or removed, and check for one-time or conditional discounts. Also consider service, claims handling, billing terms, and whether canceling your current policy could create fees or a coverage gap.
About the $700 figure: The supplied creative says the figure is based on average annual savings reported in a countrywide survey of new customers who switched to Liberty Mutual or Safeco between October 2024 and September 2025 and reported savings. Savings vary, and the comparison does not apply in Massachusetts. The promotion also states that discounts vary by state and coverage and that not all applicants qualify.
Related reading: Vehicle service contracts and CarShield’s current offer · New-car safety changes in 2026
Bottom Line
If your current premium has increased or you have not compared quotes recently, it may be worth pricing a comparable policy. Focus on the full coverage package and final premium rather than the headline savings number alone.
Affiliate disclosure: Best of Artisans may earn compensation if you use certain links on this page, at no additional cost to you.
Get Free Daily Tips & Updates
Practical tips, money-saving ideas, useful guides, selected deals and helpful updates.