Yes, Liberty Mutual uses your credit score as a factor in determining your auto insurance rates, as do most major insurers. However, credit checks performed by auto insurers don't harm your credit rating and are only done in states where it's legal for your credit rating to affect your rates. To find the most affordable car insurance in California for your situation, it's a good idea to compare prices and compare quotes. Keep in mind that your credit score isn't the only factor used to determine your car insurance rates.
Liberty Mutual takes a variety of factors into account when calculating your premium, although some, such as your age and location, are beyond your control. Liberty Mutual doesn't have a single “safe driver” discount, but it rewards safe driving with a number of benefits. Your car, your driving record and, of course, your budget are factors to consider when buying car insurance. Keep in mind that insurance companies can't use gender and credit score to determine auto insurance premiums in California.
Finally, if you're still struggling to pay for your Liberty Mutual policy, you should consider switching to another insurer. A city's population, accident rate, climate hazards, and vehicle theft rates can all contribute to the cost of auto insurance in the area. In California, auto insurance companies are prohibited from using credit-based insurance scores, so your credit rating won't directly affect your insurance premiums. Liberty Mutual is very expensive because of agent fees and the overall increase in costs for insurance companies.
Liberty Mutual offers a wide variety of discounts that can help lower your overall car insurance bill. Each insurer uses its own algorithm to calculate premiums, so even if Liberty Mutual is charging you a high premium, you may be able to find a cheaper policy with another insurer. Many auto insurers use credit data to determine their premiums because there is a proven correlation between a lower credit score and a greater likelihood of filing a car insurance claim.