Liberty Mutual car insurance for your family: policy options and costs

Insuring a family of drivers can be an expensive proposition. It's one reason why Liberty Mutual offers a variety of coverage and pricing options. Before you select Liberty Mutual car insurance for your family, you should understand the full range of the coverage options that are available and just what they will cost.

Whether you customize your Liberty Mutual car insurance for a family of two or ten, minimizing your premiums begins with understanding your options. A standard car insurance coverage policy contract includes the following:

• Bodily injury liability coverage pays for the other party's medical expenses when you cause an accident. Most states set a minimum level you must carry in order to drive on the road legally.
• Property damage liability coverage works like bodily injury liability but pays for the damage you cause to property. This coverage kicks in when your automobile hits a mailbox, signpost, car or other item of property and states set minimum levels of required coverage in this area too.

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As a family, you will want to expand your coverage and you can modify your basic benefits as follows:

• When you add medical payments coverage to your family car insurance, the insurer agrees to pay for approved healthcare claims for a certain period after an accident. This contract covers the driver and any passengers. It may also cover you if you are a pedestrian struck by a vehicle. Payments under this coverage typiclaly do not require a deductible and they are paid regardless of who causes an accident.
• Collision coverage operates like property damage liability insurance but for your own car instead of someone else's. You can request timely repairs at one of Liberty Mutual's Total Liberty Care pre-selected shops or a repair shop of your choosing.
• Comprehensive coverage pays to repair or replace your vehicle after a theft, vandalism or a natural event such as a windstorm, flood or fire. 
• Rental reimbursement insurance pays for a rental car while your automobile is in the shop after a collision or comprehensive claim covered by your policy.
• One unusual option you can choose on family car insurance from Liberty Mutual is better car replacement. Through this program, if you write off your vehicle, the insurance company pays to replace it with a comparable vehicle that is one year newer and has 15,000 fewer miles on it.

Customizing the Liberty Mutual car insurance coverage for your family can increase your annual rates. To reduce your bill, you can raise your deductibles or apply for one or more of these policy discounts:

• Group savings discount for belonging to certain professional groups or working for select employers
• Good-student discount for young drivers maintaining a 3.0-grade-point average or better
• Multi-car discount when you insure more than one vehicle with Liberty Mutual
• Multi-policy discount when you have more than one type of policy (home, automobile, life, etc.) with Liberty Mutual
• Low-mileage discount if you drive less than 7,500 miles per year
• Safe-car discounts for vehicles with passive restraint systems, anti-lock brakes and anti-theft devices

Keep in mind that rates vary depending on your coverage selections, applicable discounts, personal driving record and other factors including the city and state where you live. If you want to compare Liberty Mutual car insurance family rates with other companies, you may want to talk with an insurance agent who can offer you multiple and competing options for your family. Reply! can help by putting you in touch with insurance professionals in your area who will be eager to help you and your family of drivers put together the best possible package of car insurance coverage options and still stay within the family budget,