Liberty Mutual and Travelers Insurance are two of the top companies in the auto insurance industry. Travelers was rated the #3 auto insurer for 2016, while Liberty Mutual was rated #8. Both companies have their respective strengths and weaknesses: Liberty Mutual has great car replacement services and reasonable premiums, while Travelers has excellent claims management and flexible payment options.
However, Liberty Mutual lacks 24/7 customer support, and Travelers has received low customer satisfaction 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.
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days, you drive with the IntelliDrive device, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.
Owning a hybrid or electric car helps save energy and help the environment. If you drive one of these vehicles, you can save up to 10 percent on your auto insurance with Travelers. It’s how the company rewards customers who decide to have a positive impact on the environment by owning one.
Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and Travelers. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | Liberty Mutual | Travelers |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty Mutual | Travelers |
| 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 | Travelers |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | Travelers |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | Travelers |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | Travelers |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| 2016 | 160 | 34 |
| 2015 | 267 | 46 |
| 2014 | 235 | 29 |
| 2013 | 187 | 165 |
| Liberty Mutual Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Above average |
| Policy Offerings | Among the best | Average |
| Pricing | Above average | Above average |
| Local Agent | Among the best | Average |
| Call Center Representative | Above average | Above average |
| Insurer Website | Average | -- |
| Liberty Mutual Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Average |
| First Notice of Loss | Average | Average |
| Service Interaction | Average | Average |
| Appraisal | Average | Average |
| Repair Process | Average | Average |
| Rental Car Experience | Average | Below average |
| Settlement | Average | Average |
| Liberty Mutual Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| A.M. Best | A | A++ |
| Moody's | A2 | Aa2 |
| S&P's | A | AA |
|
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. |
Travelers
Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the Travelers Mobile 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. |
Travelers
Travelers Roadside AssistanceTravelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium. Basic Roadside AssistanceServices covered
Premier Roadside AssistanceCovers all services in the basic package and:
If you're stranded and need a rental car Travelers will reimburse you for $200 a day. But only if you break down over 100 miles from home.
Up to $500 limit for items damaged or stolen in the breakdown or incident. Contact Phone NumberTravelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here. |