Car Insurance Coverage

Helping you find the best coverage to fit your needs.

Not all car insurance is the same. Sure, there is a minimum level of coverage that all auto insurance companies offer – liability coverage for example - but there are also additional types of coverage that you can include on your policy to add an extra level of protection. Let's cut through the jargon and walk through some of the more popular coverage options.

Superior Protection 

Liberty Mutual goes above and beyond to make sure you're protected. From coverage like New Car Replacement, which is included on all car insurance policies, to Rental Car Reimbursement3, which you can choose to add to your policy whenever you'd like, we want to make sure you're confident in the coverage you choose.

New Car Replacement

It's said that a car starts depreciating the minute you drive off the lot. But with New Car Replacement, if your new car is totaled in the first year and within the first 15,000 miles, you'll get the money for a brand new car – not just the depreciated value.1 Learn more about New Car Replacement.

Better Car Replacement

Even if your car is no longer new, you can still treat it like it is. With this optional coverage, if your car is totaled we'll give you the money to replace it with a car that is one model year newer and has 15,000 fewer miles on it.2 Learn more about Better Car Replacement.

Rental Car Reimbursement

If you are ever in an accident, you can rely on our optional Rental Car Reimbursement to pay your rental costs for as long as it takes to fix your car, when you choose to have your car repaired at a Liberty Mutual-approved repair facility.3

Deductible Fund

This optional policy add-on can help lower your collision deductible and reduce the money you pay out-of-pocket in the event of a claim. When you add the Deductible Fund to your policy, Liberty Mutual will immediately put $100 into the fund to get it started.

Teachers Auto Insurance

If you're a teacher, you can get additional coverage to protect your vehicle and any teaching tools inside the car whether they're personally owned or were bought by your school – as long as they're in the car for school-related business.1 Learn more about Teachers Auto Insurance.