Deciding between just liability or going all-in with full coverage on Liberty Mutual

andrewmusician367 · 2026-05-18T01:49:39Z

Here’s what I did to figure this out: First, I grabbed a quote for both coverage types. Then I listed out what my car’s worth (not much, honestly) and checked if I still owed anything on it. After that, I compared what I’d pay out of pocket if something happened vs. what the insurance would actually cover. Lastly, I factored in my driving habits—like, am I parking in sketchy places a lot? Anyone have a quicker way to decide, or maybe some tricks to save on full coverage?

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Liberty Mutual Car Insurance – Advice & Reviews

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scott_storm

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Full coverage saved me more than once, especially with older cars that aren’t easy to replace or fix. I get why folks stick with liability—cheaper upfront, sure—but one hailstorm or a deer on the road and suddenly you’re out a few grand. For anything you actually care about keeping on the road, full coverage just makes sense. If it’s a beater you don’t mind losing? Liability’s fine. Otherwise, I wouldn’t risk it.

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Deciding between just liability or going all-in with full coverage on Liberty Mutual

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