Even if Liberty Mutual doesn't offer a discount for defensive driving in your area, you should consider enrolling in a course. You can better prevent accidents and other finable violations that increase your Liberty Mutual rates. Defensive driving classes can even reduce the total points on your license or prevent you from receiving a traffic violation, depending on your state. Telematic programs have a disadvantage in terms of privacy, but the advantage for safe drivers is that car insurance is cheaper.
Loyalty discounts and combining your car insurance with other policies, such as homeowners insurance, can also result in savings. Depending on your car insurance company and zip code, you can save between 5% and 20% with this discount. Investopedia reports that USAA, GEICO, Farmers, Liberty Mutual and Armed Forces Insurance offer military discounts. Most major car companies offer discounts for insuring more than one vehicle, if you park all your insured vehicles in the same direction.
Find out how much you can lower your car insurance premium with this summary of 15 common car insurance discounts. Some auto insurance discounts apply automatically based on the information in your application, such as owning a home or having a car with certain safety features. Many auto insurance companies offer discounts for completing a driver training course or driving less than a certain number of miles per year. Yes, Liberty Mutual offers discounts for defensive driving courses, but only in states where required by law.