Car Insurance Benefits

Your auto insurance policy includes more than just coverage for your vehicle. It may also include some added benefits (some that are standard, some you can add) that can help make your insurance experience as hassle-free as possible.

Accident Forgiveness

If you've been accident and violation-free for 5 years (no matter what insurance carrier you've been with), we won't raise your rates due to your first accident. If you qualify, you'll receive this benefit at no extra cost. Learn more about Accident Forgiveness.

Lifetime Repair Guarantee

If your car is in an accident covered under your policy, you can have it fixed at one of our approved repair shops and the repairs will be guaranteed for as long as you own your vehicle. Learn more about our Lifetime Repair Guarantee.

Auto Recall Notification Service

If a safety recall that affects your car is issued, we’ll let you know so you can take care of the problem as soon as possible. Log in to your Liberty Mutual account any time to see all the active safety recall notifications affecting your vehicle in the past six months. Learn more about Auto Recall Notifications.

24-Hour Roadside Assistance

If your vehicle ever breaks down, we won't leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance coverage will get you moving again - we'll even make the arrangements.¹ Learn more about Roadside Assistance.

12-Month Rate Guarantee

Many auto insurance policies only last 6-months. This means that your rate can change after only half a year. At Liberty Mutual, our policies are for a full-year - guaranteeing your rate for an entire year.

Convenient Payment Options

Paying your bill should be quick and easy; whether over the phone, online or through our mobile app, there are a number of options at your disposal. Have your payments deducted automatically from your checking or savings account (Electronic Funds Transfer), pay by credit card, mail us a check – you decide.²

After-Hours Policy Services

Have a policy or billing question, or need to change your policy? You can call our customer service representatives for expert help with questions regarding your policy and billing after normal business hours and on weekends.