Liberty Mutual vs Root Car Insurance for 2023

Car insurance is a necessary expense for every car owner, but finding the right coverage can be a daunting task. With so many options available, it can be overwhelming to determine which one is the best for you. In this article, we will compare two popular car insurance companies: Liberty Mutual and Root. By the end of this review, you will have a better understanding of the history and mission of these companies, their products and services, discounts available, customer reviews, and more. So, let’s dive in and see how Liberty Mutual car insurance vs Root car insurance compares.

Interesting Attributes:

Before we dive into the details, here are a few interesting attributes about Liberty Mutual and Root Car Insurance:

• Liberty Mutual offers a unique coverage option called Better Car Replacement, which will replace your car with a brand new one if it’s less than a year old and has less than 15,000 miles.
• Root Car Insurance uses telematics technology to determine your insurance rates based on your driving behavior, rather than traditional factors like age and gender.
• Both companies have mobile apps that allow you to manage your policy, file a claim, and track your driving behavior (in Root’s case) right from your phone.

Company History and Mission:

Liberty Mutual was founded in 1912 and has since grown to become one of the largest insurance companies in the world. Their mission is to help people live safer, more secure lives by providing high-quality insurance products and services. They offer a wide range of insurance products, including car insurance, home insurance, and life insurance, and are available in all 50 states.

Root Car Insurance, on the other hand, is a relatively new company, founded in 2015. Their mission is to use technology to make car insurance fairer and more affordable for everyone. They use a telematics device that tracks your driving behavior, including things like hard braking and phone usage while driving, to determine your insurance rates. Root is available in 30 states and is rapidly expanding.

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Products and Services:

Both Liberty Mutual and Root Car Insurance offer a variety of car insurance products and services. Liberty Mutual offers standard coverage options like liability, collision, and comprehensive coverage, as well as additional options like better car replacement, rental car reimbursement, and roadside assistance. Their prices vary depending on a number of factors, including your age, driving record, and the type of car you drive.

Root Car Insurance, on the other hand, offers a unique type of coverage that uses telematics to determine your rates. They offer liability coverage, collision coverage, and comprehensive coverage, as well as additional options like rental car reimbursement and roadside assistance. Their rates are based on your driving behavior, so if you’re a safe driver, you could potentially save a lot of money on your car insurance.

Products and Services

Root Car Insurance offers the same types of coverage as Liberty Mutual, including liability coverage, collision coverage, and comprehensive coverage. However, their rates are determined by your driving habits rather than a general profile based on factors like age, gender, and location.

Discounts Offered by Liberty Mutual and Root:

Both Liberty Mutual and Root Car Insurance offer a variety of discounts to help you save money on your car insurance. Liberty Mutual offers discounts for things like safe driving, bundling your insurance policies, and being a student. They also offer a multi-car discount if you insure more than one car with them. Root Car Insurance offers discounts for safe driving, being a good student, and referring friends to the company. They also offer a discount for drivers who complete the Root test drive, which is a 2-3 week trial period where they track your driving behavior to determine your rates.

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Customer Reviews:

When it comes to customer reviews, both Liberty Mutual and Root Car Insurance have their pros and cons. Liberty Mutual has a solid reputation for customer service and claims handling, but some customers have complained about high premiums and long wait times to speak with customer service representatives.

FAQs:

Q: How does Root Car Insurance determine my rate?

A: Root Car Insurance uses telematics to track your driving habits, including how often you drive, how fast you accelerate and brake, and how you handle turns. Based on this data, they determine your rate.

Q: Does Root Car Insurance offer discounts?

A: Yes, Root Car Insurance offers discounts for safe driving and referral bonuses.

Q: Is Root Car Insurance available in all states?

A: No, Root Car Insurance is currently available in 30 states.

Q: How do I file a claim with Root Car Insurance?

A: You can file a claim through the Root app or by contacting their claims department by phone or email.

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