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don't use liberty mutual they suck. when i was 17 i paid $3,000 a year for basicly liablity on my own policy thru them. to drive an 89 volvo station wagon and that was with no points and a spotless record.
now many years later with a sports car im paying alot less then that although im paying more then i think i should be and sense my policy expires next month im currently shopping around again.
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Yeah, I agree. My family always used Liberty Mutual also, so when I was 17 and drove an old beat up Toyota Corolla, I was on the parents' policy so it wasn't too bad. When I got my first Camaro a year later ('83 with the anemic 2.8 V6), I went on my own policy for about $1700 a year (This was in the early 90s). I stayed with them until 2002, when I had my first at-fault accident (Literally dented their plastic rear bumper cover). I reported it to Liberty Mutual (As required by law) and informed them that we were settling it on our own. Unbeknownst to me, the driver of the other car made a claim. Now, that doesn't bother me so much, even though the guy told me he would get an estimate and call me. What bothered me was that Liberty Mutual never notified me of this and when I got my new policy months later, the rates had gone up over $1k. When I called them, they informed me that a claim was made and they didn't have to notify me of that. Whether that's right or not, I think it's BS and poor customer service. Despite growing a little older, my cars getting older and moving to a less populated part of the state, my rates continued to go up and the customer service continued to decline.
I switched to Geico. Full coverage on both of my running vehicles was about $2k a year (At least $1k less than Liberty Mutual), and has been going down a little at a time every year (Even after adding a third vehicle in 2008). Of course, I haven't had any accidents since then (Knock on wood) and I'm technically a government employee, so I'm sure that helps. My point is, I would look elsewhere, especially if they won't take into consideration that their customer has been with them for over forty years and is a safe (Presumably) driver.