The second you mess up your rate will go through the roof. No matter how good your record is, Liberty Mutual is just waiting to charge you as much as they can. Their coverage is terrible on top of that. I went with Liberty Mutual because they were a pretty well- known insurance company. I young woman at the age of thirty years old with a clean record. My car insurance cost me around $200 a month. I got into an accident about 2 years after acquiring the insurance. It was minor and the other driver was at fault, regardless, they started to charge me $500 a month. I fought with them for hours trying to get them to understand how ridiculous the cost was. I switched insurance as soon as possible. The coverage wasn’t even that good.