Remember their claim? New car replacement if you're in an accident? If you don't have this then you picked the wrong policy, no they say, you picked the wrong insurance company.
This is a total lie and is in fact not the case with liberty. Liberty will replace your car with a newer model only if you select the right policy.
OK.. so not a big deal.. their rate was way below other insurance companies. That is for the first year. Then Liberty starts that rate creep. WATCH OUT. You are likely to miss this rate increase as they insist you pay using a credit card so they can slip in that increase and hope you don't notice.
I am insuring 2 cars with liberty. I am 63. Have impeccable record and no accidents in over 20 years. I can't remember my last insurance claim... MY FIRST YEAR for 2 cars was 1200. MY SECOND YEAR for those same 2 cars was 1500. THIS YEAR for those same 2 cars it is 1900.
I had to ask why my rate kept increasing while my cars got older. They actually had the nerve to tell me the age of your car does not matter in their calculation. It is the cost of all the other cars on the road today that they are worried about.. HUH? Oh, and also medical costs are increasing.
STAY AWAY FROM THIS OUTFIT.