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Why is my car insurance so much cheaper with Liberty Mutual compared to Farmers?
It feels like Farmers keeps increasing my rates. I put in the same coverage amounts on Liberty Mutual's website and according to the quote I got, I would save $200 over a six-month policy. Why is Liberty Mutual so much cheaper?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Auto insurance companies like
Farmers
and Liberty Mutual
have similar ways of pricing policies. However, the difference is that many companies will lower their rates for first-time customers to entice them to switch providers.Companies also use their own proprietary formulas to determine premiums. They may weigh certain factors like zip code and credit score differently—or they may not consider them at all.
You might find over a year or two that the Liberty Mutual rate creeps up to where the Farmers rate is now. This is fairly common.
But don’t confine yourself to just looking at one or two companies. Shop around. An intelligent AI-based tool like
Jerry
is the easiest and most effective way to find a car insurance policy that is customized for you.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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