Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and American Family. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Liberty Mutual and American Family are two of some of the top auto insurance carriers in the nation. Both companies were listed as top auto insurers for 2016. Liberty Mutual was #8 and American Family was #6.
In addition, they each have good financial strength and J.D. Power ratings. Liberty Mutual also won a J.D Power award for having the most satisfying purchase experience for auto insurance customers.
However, Liberty’s customer support is subpar, and American Family seems to have issues responding to complaints or claims. 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 |
Liberty Mutual
|
American Family
|
| Worst If |
Liberty Mutual
|
American Family
|
Liberty Mutual
Bundle & SaveWhen you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money. Multi-Car DiscountThe 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 SavingsLiberty 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. |
American Family
Teen Safe Driver ProgramAmerican Family's home website says its Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers. Business Car InsuranceBusiness car insurance covers the car owner and his employees if/when his business is on the move. Classic Car InsuranceThis special policy allows classic car owners provides coverage that aligns with the car's value. American Family helps create a personalized policy that gives these cars the protection they need. |
| Bundling Coverage Discounts | Liberty Mutual | American Family |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty Mutual | American Family |
| 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 | American Family |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | American Family |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | American Family |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | American Family |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| 2016 | 160 | 33 |
| 2015 | 267 | 32 |
| 2014 | 235 | 18 |
| 2013 | 187 | 9 |
| Liberty Mutual Auto Insurance | American Family Auto 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 | -- |
| Liberty Mutual Auto Insurance | American Family Auto 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 |
| Liberty Mutual Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| A.M. Best | A | A- |
| Moody's | A2 | -- |
| S&P's | A | A |
|
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:
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. |
American Family
My AmfamAmerican Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device. So interacting with your insurance company or agent is just one touch away. Use it to contact or search for nearby agents, file or view an auto claim, and make insurance payments. The My Amfam app is downloadable for iPhone or Android here. DreamVaultThis app lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items. If you need to file a claim, all your information on your belongings is right there in your hands. Download the DreamVault app here. |
Liberty Mutual
Liberty Mutual 24-Hour Roadside AssistanceTowing & 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
Contact Phone NumberLiberty 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. |
American Family
American Family Emergency Roadside ServiceService's include. mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, and battery charges. You can also get locksmith services if you’re locked out. Add this to your existing auto policy for help when your can is broken down. "Sign and Drive direct billing helps cover payments upfront. Roadside Services covered
Contact Phone NumberCall 1 (800) MYAMFAM (1-800-692-6326) |