Compare Liberty Mutual vs. Titan Insurance

Liberty Mutual and Titan are some of the biggest names in the world of insurance. Liberty Mutual is known for their strong online tools and their better car replacement program. But it lacks 24-hour customer support

Titan is known for its many of discounts and flexible payment plans. But it only allows customers to file a claim over the phone. Nonetheless, both companies offer practical and affordable insurance rates.

So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Liberty Mutual Titan
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Titan
  • You want many discounts and flexible payment plans
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
Titan
  • You want to file a claim online (you can only file claims by phone with Titan)

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like Liberty Mutual and Titan. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

Liberty Mutual Titan
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. This helps make managing your auto insurance as stress-free as possible.

Exclusive Group Savings

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

Titan

Association Membership.

This discount is granted to customers who are active members of any club recognized by Titan.

The Advance Quote Discount.

This is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount.

This helps save money when you your add farm vehicles to your auto insurance policy.

Travelink Discount.

This applies only to collision coverage and vehicles owned by employees with employers in approved traffic relief programs. Annual recertification is required.

EFT Discount.

This saves you money when you opt to pay your monthly insurance premium electronically. Less paper wasted, more money saved!

Standard Car Insurance Discounts

Bundling Coverage Discounts Liberty Mutual Titan
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Liberty Mutual Titan
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 Titan
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Liberty Mutual Titan
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Liberty Mutual Titan
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Liberty Mutual Titan
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Liberty Mutual Auto Insurance Titan Car Insurance
2016 160 1
2015 267 4
2014 235 4
2013 187 1

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Liberty Mutual Auto Insurance Titan Car Insurance
A.M. Best A A+
Moody's A2 --
S&P's A --

Mobile Apps

Liberty Mutual Titan
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. 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 hi-res 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 in the event of theft or damage to your home.

Click here for more information and to download any of the Liberty Mutual mobile apps.

Titan

Titan Mobile

This app lets you find an agent, view your policy, pay premiums, and get instant help with a claim.

Download the app for iPhone or Android

Roadside Assistance

Liberty Mutual Titan
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'll be towed to the Nearest Qualified repair shop
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver fuel - We'll get you enough gas to reach the nearest service station
  • Change a flat tire
  • 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. Click here to go to the Liberty Mutual Roadside Assistance website.

Titan

Titan Emergency Roadside Assistance

Adding roadside coverage to your auto policy can greatly benefit you out on the road. Titan works with a network of nationwide roadside service providers to give you 24/7 coverage. Roadside Assistance is an add-on to your existing insurance policy with Titan.

Roadside assistance services include:

  • Towing
  • Tire change
  • Battery jump start
  • Gas delivery
  • Lock-out service
  • Vehicle extrication -(winching)