Compare Liberty Mutual vs. The General Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates
The General and Liberty Mutual are two well-known companies in the world of insurance. The General was founded in 1963, and Liberty Mutual was founded in 1912. While Liberty Mutual has great better car replacement tools and is ranked #8 in top auto insurers for 2016, The General has strong and easy online quote tools and offers affordable premiums to high-risk drivers. However, The General is known to have poor customer service, and Liberty Mutual lacks 24-hour customer support. Still, both companies have excellent financial strength ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Liberty Mutual The General
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
The General
  • You don’t have a perfect driving record but still want affordable insurance rates
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
The General
  • You want good customer service and consistency

Special Car Insurance Discounts

Liberty Mutual The General
Liberty Mutual

Bundle & Save
When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.

Multi-Car Discount
The discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value so that managing your auto insurance is as stress-free as possible.

Exclusive Group Savings
Liberty Mutual has partnerships with more than 14,000 organizations. Being a member of any one of them could make you eligible for a discount with the insurance company.

The General

Standard Car Insurance Discounts

Bundling Coverage Discounts Liberty Mutual The General
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Liberty Mutual The General
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Liberty Mutual The General
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Liberty Mutual The General
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Liberty Mutual The General
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Liberty Mutual The General
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Liberty Mutual Car Insurance The General Insurance
2016 160 13
2015 267 14
2014 235 3
2013 187 4

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Car Insurance The General Insurance
Overall Purchase Experience Among the best Above average
Policy Offerings Among the best Above average
Pricing Above average Above average
Local Agent Among the best Above average
Call Center Representative Above average --
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Liberty Mutual Car Insurance The General Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Average Above average
Appraisal Average Average
Repair Process Average Average
Rental Car Experience Average Above average
Settlement Average Average

Financial Strength Ratings

Liberty Mutual Car Insurance The General Insurance
A.M. Best A A-
Moody's A2 --
S&P's A --

Mobile Apps

Liberty Mutual The General
Liberty Mutual

Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance.

The Liberty Mutual Mobile App includes all the features and services of the company’s website in the palm of your hand. You can use it to pay bills, view policy details, change your coverage, and more. You can also use it to record details of your incident and get your claim process started.

The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with high-resolution photos and read thorough reviews. CarZen makes car shopping simple and hassle-free.

The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access on hand should you ever experience theft or damage to your home.

For more information and to download any of these apps, click here.

The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

Liberty Mutual The General
Liberty Mutual

Liberty Mutual 24-Hour Roadside Assistance

Towing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage

Roadside Services covered

  • Towing - You will be towed to the Nearest Qualified repair Facility
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver emergency fue - We'll get you enough gas to reach the nearest service station
  • Change a flat time and install the spare
  • Unlocking vehicle doors - If you're locked out of your car, we'll get it unlocked

Contact Phone Number

Liberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. The company’s roadside assistance website is here.

The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service