Liberty Mutual and National General are two top-rated companies in the insurance industry. Liberty Mutual is better if you’re looking for a good car replacement program and lower rates, and National General is better if you’re affiliated with the General Motors Club and looking for easy online payments.
However, National General may raise your rates without notice and charge hidden fees, whereas Liberty Mutual lacks 24-hour customer support. Nonetheless, Liberty Mutual and National General have an A+ rating from the Better Business Bureau and excellent financial strength ratings.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out
When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.
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.
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.
National General says that switching to them saves customers an average of $442 a year. And that’s before applying SmartDiscounts to your policy!
Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and National General. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | Liberty Mutual | National General |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty Mutual | National 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 | National General |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | National General |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | National General |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | National General |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | National General Car Insurance | |
|---|---|---|
| 2016 | 160 | 69 |
| 2015 | 267 | 74 |
| 2014 | 235 | 50 |
| 2013 | 187 | 30 |
| Liberty Mutual Auto Insurance | National General Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | |
| Policy Offerings | Among the best | |
| Pricing | Above average | |
| Local Agent | Among the best | |
| Call Center Representative | Above average | |
| Insurer Website | Average |
| Liberty Mutual Auto Insurance | National General Car Insurance | |
|---|---|---|
| Overall Satisfaction | Average | |
| First Notice of Loss | Average | |
| Service Interaction | Average | |
| Appraisal | Average | |
| Repair Process | Average | |
| Rental Car Experience | Average | |
| Settlement | Average |
| Liberty Mutual Auto Insurance | National General Car Insurance | |
|---|---|---|
| A.M. Best | A | A- |
| Moody's | A2 | -- |
| S&P's | A | BBB+ |
|
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. |
National General
National General Insurance’s Claims App is fairly unique in that it actually puts you in contact with a National General claims service consultant. In addition, you can use the app to submit a claim online or request a towing service. To learn more about and download the app, click 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. |
National General
National General Motor Club Roadside AssistanceGives those insured by National General a membership plan for three levels of roadside assistance coverage. It's similar to other full suite roadside assistance memberships. You get travel discounts on restaurants, hotels, car rental and more. Coverage extends to all family members in any vehicle you're driving Motor Club BasicCost per year: Single - $59. Couple - $69.
Motor Club StandardCost per year: Single - $79. Couple - $94. Each Dependent - $15.
Motor Club EliteCost per year: Single - $89. Couple - $99. Family - $119.
Contact Phone NumbersRoadside Assistance Hotline 888-310-4173 Customer Service 888-310-4173 Trip Routing 888-310-4173 By signing up for the National General Motor Club, you’ll get access to roadside assistance benefits. The GM Motor Club offers 24/7 roadside assistance and no hidden fees. |