Liberty Northwest Insurance Review & Ratings (2023)

Liberty Northwest Insurance is a leading car insurance provider known for its excellent customer service, affordable rates, and a wide range of coverage options. In this review, we’ll delve into the company’s history, mission, and services, as well as the various discounts available to customers.

We’ll also provide an overview of customer reviews, highlighting the company’s strengths and weaknesses. By the end of this article, you’ll have a clear understanding of why Liberty Northwest Insurance is an excellent choice for your car insurance needs and be ready to compare quotes.

Interesting Attributes of Liberty Northwest Insurance:

• Liberty Northwest Insurance has been in business for over 100 years, making it one of the oldest insurance companies in the United States.
• The company offers a wide range of coverage options, including liability, collision, comprehensive, and uninsured motorist coverage.
• Liberty Northwest Insurance is known for its excellent customer service and has received numerous awards for its commitment to customer satisfaction.

If you’re looking for car insurance that provides comprehensive coverage, excellent customer service, and affordable rates, Liberty Northwest Insurance is an excellent option. Liberty Northwest Insurance is a subsidiary of Liberty Mutual, one of the largest insurance companies in the United States.

The company has been in business since 1912, and its mission is to provide its customers with peace of mind by protecting what’s most important to them. In this review, we’ll take a closer look at Liberty Northwest Insurance and what sets it apart from other car insurance providers.

Liberty Northwest Insurance History and Mission

Liberty Northwest Insurance was founded in 1912 in Portland, Oregon, under the name Oregon Automobile Insurance Company. Over the years, the company expanded its offerings to include other types of insurance, such as homeowners and commercial insurance.

In 1999, the company was acquired by Liberty Mutual, a leading insurance company in the United States. Today, Liberty Northwest Insurance operates in 11 states, including Alaska, Idaho, Montana, Oregon, and Washington.

The company’s mission is to provide its customers with peace of mind by protecting what’s most important to them. Liberty Northwest Insurance achieves this mission by offering a wide range of insurance products and services, including car insurance, homeowners insurance, renters insurance, and business insurance.

The company is committed to providing its customers with excellent customer service and ensuring that they have the coverage they need to protect their assets and loved ones.

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Products and Services Offered by Liberty Northwest

Liberty Northwest Insurance offers a wide range of insurance products and services to its customers, including:

• Car insurance: Liberty Northwest Insurance provides comprehensive car insurance coverage options, including:

• Liability coverage: This covers bodily injury and property damage if you are responsible for an accident.
• Collision coverage: This covers the cost of repairing or replacing your car if it is damaged in a collision.
• Comprehensive coverage: This covers the cost of repairing or replacing your car if it is damaged by something other than a collision, such as theft, vandalism, or a natural disaster.
• Uninsured motorist coverage: This covers the cost of injuries and damages if you are in an accident with an uninsured driver.

• Homeowners insurance: Liberty Northwest Insurance offers homeowners insurance policies that provide coverage for your home and personal property. The coverage options include:

• Dwelling coverage: This covers the cost of repairing or rebuilding your home if it is damaged by a covered peril.
• Personal property coverage: This covers the cost of repairing or replacing your personal property if it is stolen or damaged by a covered peril.
• Liability coverage: This covers bodily injury and property damage if someone is injured on your property.

• Renters insurance: Liberty Northwest Insurance offers renters insurance policies that provide coverage for your personal property, liability, and additional living expenses if you are unable to live in your rental due to a covered loss.
• Business insurance: Liberty Northwest Insurance provides a wide range of commercial insurance products, including:

• Commercial auto insurance: This provides coverage for vehicles used for business purposes.
• General liability insurance: This provides coverage for bodily injury and property damage caused by your business operations.
• Workers’ compensation insurance: This provides coverage for employees who are injured on the job.
• Property insurance: This provides coverage for your business property, including buildings, equipment, and inventory.

In addition to these primary insurance products and services, Liberty Northwest Insurance also offers additional coverage options and policy endorsements to customize coverage to specific needs.

How much does Liberty Northwest insurance cost?

The cost of Liberty Northwest Insurance varies depending on several factors, such as the type of coverage you choose, your age, gender, driving record, location, and other personal factors. The company offers different coverage options to fit various budgets, and customers can customize their policies to meet their specific needs.

One way to reduce the cost of Liberty Northwest Insurance is to take advantage of the various discounts available to customers. Some of the discounts offered by the company include:

• Multi-policy discount: Customers who have more than one policy with Liberty Mutual may qualify for a discount on their premiums.
• Good driver discount: Customers with a clean driving record may qualify for a discount on their car insurance premiums.
• Student discount: Full-time students who maintain good grades may be eligible for a discount on their car insurance premiums.
• Safety features discount: Customers who have safety features installed in their vehicles, such as anti-lock brakes, may be eligible for a discount on their car insurance premiums.
• Homeowner discount: Customers who own a home and purchase homeowners insurance from Liberty Northwest Insurance may qualify for a discount on their car insurance premiums.

In what parts of the U.S. is Liberty Northwest insurance offered?

Liberty Northwest Insurance operates in 11 states in the Pacific Northwest region of the United States. The states where Liberty Northwest Insurance is offered are:

• Alaska
• Idaho
• Montana
• Oregon
• Washington
• California
• Colorado
• Nevada
• Texas
• Utah
• Wyoming

Liberty Northwest Insurance primarily focuses on serving customers in the Pacific Northwest region, where the company has deep roots and a long-standing reputation. However, the company has expanded its reach in recent years, and customers in other states may be able to access Liberty Northwest Insurance products and services through its partner network or affiliates.

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Liberty Northwest Insurance Discounts Available

Liberty Northwest Insurance offers a range of discounts to help customers save money on their insurance premiums. Some of the discounts available to customers include:

• Multi-policy discount: Customers who have more than one policy with Liberty Mutual may qualify for a discount on their premiums.
• Good driver discount: Customers with a clean driving record may qualify for a discount on their car insurance premiums. Liberty Northwest Insurance also offers a safe driver discount, which rewards drivers who have completed an approved safe driving course.
• Student discount: Full-time students who maintain good grades may be eligible for a discount on their car insurance premiums.
• Safety features discount: Customers who have safety features installed in their vehicles, such as anti-lock brakes, may be eligible for a discount on their car insurance premiums.
• Homeowner discount: Customers who own a home and purchase homeowners insurance from Liberty Northwest Insurance may qualify for a discount on their car insurance premiums.
• New car discount: Customers who purchase a new car may be eligible for a discount on their car insurance premiums.
• Hybrid or electric car discount: Customers who own a hybrid or electric vehicle may qualify for a discount on their car insurance premiums.
• Paid-in-full discount: Customers who pay their premium in full may be eligible for a discount on their car insurance premiums.
• Military discount: Active and retired military personnel may be eligible for a discount on their car insurance premiums.
• Employee discount: Employees of certain companies may be eligible for a discount on their car insurance premiums.

Customer Reviews of Liberty Northwest Insurance

Customer reviews of Liberty Northwest Insurance are generally positive, with many customers praising the company’s customer service and competitive rates. Some common themes that emerge from customer reviews include:

Strengths:

• Excellent customer service: Many customers appreciate the knowledgeable and friendly customer service representatives at Liberty Northwest Insurance. Customers report that representatives are quick to respond to inquiries and work to resolve issues promptly.
• Competitive rates: Many customers report that Liberty Northwest Insurance offers competitive rates compared to other insurance providers in their area. Customers appreciate that they can get good coverage at an affordable price.
• Customizable policies: Customers appreciate that Liberty Northwest Insurance offers customizable policies that can be tailored to their specific needs. Many customers report that they were able to create a policy that fit their budget and provided the coverage they needed.

Weaknesses:

• Limited availability: Liberty Northwest Insurance is only available in a limited number of states, which may be a drawback for some customers who live outside of the company’s service area.
• Website functionality: Some customers have reported issues with the Liberty Northwest Insurance website, such as difficulty navigating the site or accessing their policy information online.
• Claims handling: A few customers have reported issues with the claims handling process, citing delays or difficulties in getting claims processed and paid out.

Roundup: Liberty Northwest Insurance

Liberty Northwest Insurance is a regional insurance company that operates in 11 states in the Pacific Northwest region of the United States. The company was founded in 1917 and is focused on providing personalized insurance solutions to its customers.

Liberty Northwest Insurance offers a range of insurance products, including car insurance, home insurance, and business insurance. The company is known for its competitive rates, customizable policies, and excellent customer service.

Liberty Northwest Insurance offers a variety of discounts to help customers save money on their premiums, including discounts for good drivers, students, and homeowners. While the company has some limitations in terms of availability and website functionality, the majority of customers report positive experiences with the company’s policies and customer service.

If you live in the Pacific Northwest and are looking for a local insurance provider that offers personalized service and competitive rates, Liberty Northwest Insurance may be a good option to consider.