First Liberty Auto Insurance Review (2024)

What You Should Know About First Liberty

First Liberty Auto Insurance is led by President Edmund Francis Kelly. The company markets auto, home, boat, life, and other insurance coverage to customers through the Liberty Mutual Group.

Liberty Mutual is one of the largest insurance companies in the country, with assets totaling $11 million in 2010 and a market capitalization of $3.6 million.

First Liberty uses independent auto insurance agents based locally in communities throughout the United States.

This approach creates a closer connection between the insurance company and the people it serves.

What’s the First Liberty Auto Insurance contact information?

If you wish to inquire more about First Liberty Auto Insurance, you can speak to a local agent in your area or call or write to First Liberty’s main office in Boston at:

Phone: (617) 357-9500
Toll-Free: (800) 344-0197
Address: 175 Berkeley Street, Boston, MA 02116

What are the First Liberty Auto Insurance policy ratings?

Among national auto insurers, First Liberty and Liberty Mutual earn top customer satisfaction ratings in the auto insurance rating department. AM Best gives these companies a rating of A-excellent.

Moody’s, another well-known rating company, gives them an A2, and S&P gives Liberty Mutual & First Liberty an A-, all of which are commendable ratings.

First Liberty & Liberty Mutual are Better Business Bureau accredited and maintain an A+ rating with the BBB.

What’s the First Liberty Auto Insurance claims process like?

If you are involved in an auto accident, you should call your local agent, First Liberty directly, or the Liberty Mutual claims center.

Make sure you are prepared to provide the following information to the claim expert:

• Names and identifying information for all people involved
• Vehicle damage
• Describe any injuries
• Witness information
• Police report information

The next step in the filing claims process will be that First Liberty/Liberty Mutual will set up an appraisal of the damage and cost for repairs.

If you have rental coverage, a reservation for a rental vehicle will be set up for you.

Towing assistance will be provided, and your payment options will be reviewed. The company will review your appraisal once it takes place, and payment will be made on your behalf.

You can check the status of your auto insurance claim while waiting for this by logging onto the Liberty Mutual website.

How to Get First Liberty Auto Insurance Quotes

You can get a quote through Liberty Mutual’s network of insurance agents; however, it is best to request a quote online. The process is very simple; all you need to do is provide certain information about yourself and your vehicle to determine the coverage’s price.

This information includes:

• Full name
• Date of birth
• Contact information
• Vehicle make and model
• Ownership status
• Number of drivers
• Gender and marital status
• Level of education
• Current coverage

First Liberty Insurance Coverage Options

First, Liberty offers several types of coverage and additional coverage options through its parent company, Liberty Mutual.

These include:

• Liability
• Medical Payments/Personal Injury Protection
• Uninsured/Underinsured Motorist Protection
• Collision coverage/Comprehensive coverage
• Better Car Replacement
• Unlimited Rental Coverage

Other optional coverages/add-on coverage for vehicles include:

• Liberty Mutual’s deductible fund
• New car replacement
• Rental car reimbursement
• Roadside assistance
• GAP coverage
• Original parts replacement
• School teacher’s car insurance
• Mexico car insurance(tourist) 

They also offer policies for other types of vehicles, including motorcycles, boats and watercraft, antique and classic cars, ATVs and off-road vehicles, and recreational vehicles.

In addition to various policies, First Liberty and Liberty Mutual Insurance claim to have several perks that they say other companies may not offer.

When auto insurance is purchased through these companies, it comes standard with the following:

• Accident forgiveness
• Unlimited rental insurance
• New car replacement policies
• Guaranteed repairs
• Twelve-month policies with no rate increases for the entire year

First Liberty Discounts Available

When you shop for auto insurance through First Liberty, several auto insurance discounts are available through Liberty Mutual.

Some of these are related to the vehicle or vehicles you own, and others are related to the type of driver you are or the insurance packages you purchase.

Some of these discounts include:

• Early shopper discount – get a quote before your current policy expires
• Good student discount – keep a B grade point average or better
• Multiple policy discounts – earn savings  by insuring multiple vehicles
• Employee discount for employees of any Liberty Mutual Group Company
• Multi-car discount
• Passive restraint and airbags discount
• Anti-lock brakes discount –  you may get reduced premiums for this safety feature
• Anti-theft device discount – if your vehicle has this safety feature, you may qualify for a discount
• Low mileage discount