Community Chat

[SXMGirl]

While not actively looking to change insurance companies, I just spoke with a rep from Liberty Mutual regarding car, home, and an umbrella package.  It all sounds wonderful, maybe too wonderful, so I am wondering if anyone has had experience with them, good and not so good.  TIA

[CelticCrafter]

@SXMGirl, we had them for years.  The one time we did have to deal with them for a claim, they were wonderful.

They just got too expensive.

[SXMGirl]

@CelticCrafterThank you for the reply.  They are sending me info with all of the quotes that I received today.  I have been with the same company for over 20 years and thought it was time to at least see what other companies would charge for similar coverage.  I am always hesitant to change insurance companies.  I always worry that I will have a car accident the week after I switch and then get dropped.  I have not had an accident in over 30 years and no tickets ever, but some people drive like maniacs today.

I will say that the quotes were a little too good to be true.  I also disliked that I would get a really good discount if I signed up today--I really dislike that.

Anyway, thanks again.  I probably will not change companies, but I may make some changes on my policies.

[hayseed00]

We have Liberty Mutual and have had a good experience with them. 

[Peaches McPhee]

It's a good idea to check out insurance companies every few years.  Sometimes, if you stay with an existing company, they just keep raising your rates. Changing to another one is often cheaper.

[KatieB]

I had them for years for both homeowner and auto.. They became so expensive that it wasn't worth it.    In NC, you had to sign a 'consent to rate' form which means you are giving them consent to charge a higher premium.  I was paying over $1300/year for liablity and collision on a BMW with no points..  And this was not a new BMW..  I called a local insurance agent and found the same coverage with another company for less than half Liberty Mutual's price..  I would never use them again.  The only claim I ever had with them was for towing and it was handled easy enough...  The homeowner insurance at the new company was also about half of what I was paying with Liberty..  And I've got more and better coverage with the new company...  I would never use Liberty Mutual again...

[IMW]

Had Liberty Mutual for years, never had an issue. Had claims for broken glass and theft, never had any problems. Solid company.

[lmt]

We were insured with them for over 20 years, for both our house and our cars. Never had any problems with them and luckily never had to file any claims.

We dropped them about 5 years ago because they just got too expensive. 

We now have Travelers. We saved over $1200 when we switched!!

[lmt]

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@Peaches McPhee wrote:

It's a good idea to check out insurance companies every few years.  Sometimes, if you stay with an existing company, they just keep raising your rates. Changing to another one is often cheaper.

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@Peaches McPhee  Totally agree! It's worth the time and effort to shop around.

[itsmagic]

I have never had Liberty Mutual but it seems like no matter what insurance we buy, the price starts out low and then keeps climbing every year until I feel like I need to switch again.