Good points overall, but have you considered how Liberty Mutual handles luxury or high-end vehicles specifically? I've found some insurers are great with standard claims but get weirdly stingy when it comes to pricier repairs or OEM parts. Had a friend whose insurer insisted on aftermarket replacements for his BMW... wasn't pretty. Might be worth checking if Liberty Mutual's premium pricing actually translates into better coverage for higher-end cars, or if it's just marketing fluff.
"Had a friend whose insurer insisted on aftermarket replacements for his BMW... wasn't pretty."
Yeah, I've seen that happen more times than I'd like to admit—luxury cars and aftermarket parts can be a messy combo. From what I've experienced, Liberty Mutual tends to be pretty reasonable about OEM parts, especially if your policy explicitly covers them. But honestly, it can vary case-by-case depending on the adjuster and the specifics of your claim. Always worth double-checking the fine print before paying extra for that "premium" coverage...
