First Liberty Auto Insurance Review

A subsidiary of the Liberty Mutual Group, First Liberty Auto Insurance is a privately run insurance company in Boston, Massachusetts. A small company, they enjoy the substantial backing of Liberty Mutual, a nationwide company with substantial assets and sales.

Insurance Products

First Liberty can insure your automobiles, home and recreational vehicles. They also offer life insurance. This puts them on par with many other online auto insurance companies. However, they do not offer any banking or investment products. Small business owners will also be interested in their commercial insurance products.

Service Area

Providing coverage to people in the Boston area, First Liberty is a local insurance company. While they are not able to insure drivers outside of the state of Massachusetts, their customers will be covered throughout the country. This is one of the benefits of choosing a company that is backed by a massive, nationwide agency.

Purchasing Insurance

It’s important to compare auto insurance to know the different options available in your area. Once you have found the provider who is right for you, purchasing the insurance is a simple matter of making a phone call. First Liberty insurance is available by contacting one of the local agents available in the Boston area. 

Ratings

Looking at the ratings will help you find a quality company that is stable and secure. First Liberty has a rating of A- from Moody’s and A- from AM Best. These are commendable ratings which indicate that First Liberty is a financially stable company. Annual revenues for the company are in excess of $11 million dollars.

Coverage 

• Liability
• Personal injury
• Uninsured and underinsured motorist
• Collision
• Comprehensive

The company also offers some features which set them apart from the competition. They have unlimited rental coverage, accident forgiveness and new car replacement policies. These perks are not available with all companies, making First Liberty a little more attractive to some customers.

Discounts

Most insurance companies offer discounts to help you save money. Multi-car discounts are standard among companies with solid ratings, as are discounts for having certain safety equipment or driving fewer miles. However, First Liberty also offers a good student discount and employee discounts for people working for Liberty Mutual group.

Personal Agents

First Liberty sells its products through individual agents. There are many benefits associated with purchasing insurance through an agent. You can develop a personal relationship with the agent, making it easier to file claims or get questions answered. 

There are only about twelve agents employed with the company, and they get to know their customers personally. They are able to deliver service with a personal touch that other companies don’t always possess.

The company does not have a strong Internet presence; however, they are easily contacted by phone. If you prefer to do your business online, they may not be the best choice for you. However, if you love the personal treatment that comes with talking to people, then this may be the right company for you.

Making the Choice

Purchasing insurance is a big decision. You want a company that will protect your assets and your family. You also want a company that will respond to your claims and treat you like a human being. First Liberty Mutual offers personal service with the backing of a major insurance provider. While their services are not available for people throughout the country, they are worth considering if you live in or near the Boston area.