Yes, Liberty Mutual offers discounts on defensive driving courses, but only in states that legally require it. Thirty-four states and the District of Columbia require insurance companies to offer defensive driving discounts to eligible drivers, although the exact amounts and requirements of the discount vary. Auto insurance discounts are available for seniors if they complete defensive driving courses, multiple car insurance policies, retired government workers, etc. Or, contact Liberty Mutual directly at 800-699-3286 and mention that you are a Stanford University employee who qualifies to receive the benefits of your policy.
Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer. The risks involved in buying car insurance for seniors would be significantly lower than the costs and effects of driving without insurance. Even if Liberty Mutual doesn't offer discounts for older drivers in your state, there are other ways to lower your premium. You can always get a free quote online to compare your current coverage and rates with Liberty Mutual and see if your coverage is less expensive.
While car insurance premiums will generally go up when you're over 65 years old, you'll also receive new benefits and reimbursement opportunities. For example, Liberty Mutual offers an accident free discount, which gives a discount to drivers who haven't had an accident for a certain period of time. Expensive cars, sports cars and cars with high theft rates are considered to be riskier to insure than cheaper and more practical vehicles. Liberty Mutual doesn't offer a specific marriage discount, which is typical among major insurance companies.
Opting for a higher deductible on any of your Liberty Mutual insurance policies can lower your premium. In fact, Metromile not only has the A+ award from the Better Business Bureau, but it also has the BBB certification, an honor that many car insurance companies do not have. Overall, married couples pay about 9% less for car insurance than single drivers because they're less likely to file a claim. Liberty Mutual offers a wide variety of discounts that can help lower your overall car insurance bill.
To get premium auto insurance rates for veterans, drivers over 55 must take a protective driving course.