Compare Liberty Mutual vs. Titan Insurance

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Liberty Mutual and Titan are some of the biggest names in the world of insurance. Liberty Mutual was founded in 1912, and Titan, a subsidiary of Nationwide, was founded in 1925. Liberty Mutual is known for their strong online tools as well as their better car replacement program.

Whereas, Titan is more well known for their plethora of discounts and flexible payment plans. Unfortunately, Titan only allows customers to file a claim over the phone, and Liberty Mutual lacks 24-hour customer support. Nonetheless, both companies offer practical and affordable insurance rates.

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 Titan
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Titan
  • You want a lot of 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)

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 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.

Titan

Association Membership is a discount that is granted to customers who are active members of any club specifically recognized by Titan.

The Advance Quote Discount is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount helps save money when you add agricultural vehicles in your possession to your auto insurance policy.

Travelink Discount applies only to collision coverage and a vehicle that is individually owned by an employee whose employer is participating in an approved traffic mitigation program. Annual recertification is required.

EFT Discount 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 Car Insurance Titan Insurance
2016 160 1
2015 267 4
2014 235 4
2013 187 1

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Car Insurance Titan 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 Car Insurance Titan 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 Car Insurance Titan 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 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.

Titan

Titan Mobile allows you to find a local insurance agent, view your policy, pay premiums, and even get instant help with a claim. To download the app for iPhone or Android, click here

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 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.

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 in the event of a breakdown. Roadside Assistance is purchased as an addition 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)