Will my insurance rates go up if I file a car insurance claim with Liberty Mutual?
You might see your insurance rates go up if you file a car insurance claim with Liberty Mutual, depending on the nature of the claim. At-fault accidents can definitely increase Liberty Mutual car insurance rates, but you're less likely to see a premium increase if you have a good driving record and credit history.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can see a rate increase with Liberty Mutual if you file a car insurance claim
- At-fault accidents will definitely result in a rate increase for your Liberty Mutual coverage
- You can decrease your rate hike with a clean driving and a good credit history, but it takes time
The aftermath of a car accident can be a difficult situation to navigate. This can be further exacerbated by knowledge of an incoming rate increase.
While you may be familiar with how to file a car insurance claim, you may be wondering, “Will my insurance rates go up if I file a car insurance claim with Liberty Mutual?”
Thankfully, there is some information out there on what to expect after a car insurance claim with Liberty Mutual. Read on to learn more.
Car Insurance Claims and Your Liberty Mutual Insurance Rates
There are numerous factors that affect car insurance rates. That said, you can definitely expect a rate hike if you’ve been in an accident and determined at fault. You might also find your rate has increased if you weren’t at fault. This can be due to Liberty Mutual deciding you might be risk-prone.
It gets a bit more nebulous when considering comprehensive coverage. You might see a rate increase with a comprehensive claim, but it really will depend on the nature of the claim itself.
Other Influencing Factors for Rate Increases
Your driving history and any past claims and accidents can definitely affect your insurance premium costs. Your car insurance coverage history can also influence the overall cost you’ll pay annually. Of course, carrying additional coverage can also affect it.
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How to Lower Your Car Auto Insurance Rates With Liberty Mutual
Lowering your insurance premium cost isn’t an immediate process. However, with safe driving and on-time payments, you might see your rates lower with time.
Liberty Mutual is generally very receptive, as you can see in our Liberty Mutual review. As such, you might find some discounts on offer to help offset the rising premiums you might be experiencing.
The Final Word on Car Insurance Rate Increases After a Claim With Liberty Mutual
Car insurance claims can definitely boost your premium with Liberty Mutual. Thankfully, this might not be a permanent arrangement. Things like safe driving, an accident-free driving history, and seeking discounts can result in some offsets to the rising costs.
Read more: What happens if I disagree with Liberty Mutual’s decision on my car insurance claim?
Frequently Asked Questions
Why is my premium higher after an accident if I wasn’t at fault?
Liberty Mutual might determine that you carry a higher risk factor in the wake of an accident.
While one accident may be a fluke, the period shortly after an accident can sometimes lead to additional accidents, which could see your rate rise dramatically. As such, it is important to be vigilant and cautious in the aftermath of a claim if you’re still able to drive.
Why is my rate higher after a comprehensive claim?
Comprehensive claims are different compared to a typical auto collision.
As such, you might see your rate raise somewhat if you’ve had fairly substantial damage to your vehicle as part of a natural mishap. Something like hail might see your premium stay at the same price, but a tree falling on your vehicle might see a substantial raise given.
Will my rate be permanently raised after a claim?
You might have a higher rate for an extended period of time, with the higher premium lasting for years. It isn’t a permanent hike in price, however. Your driving record is going to change with time, and as accidents and claims age, the less they’ll count towards your overall insurance premium cost.
As such, it is better to practice good driving habits and drive defensively if you can rather than hoping to stumble into discounts to lower your premium.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.