It was difficult to get any lower rates and difficult people to deal with!
The coverage cost is less than the following: State Farm, Geico, Progressive. I have had Liberty Mutual for close to 15 years now and have been doing comparisons with other major insurers every few years. Liberty Mutual is always cheaper. The one downside is that they raise your premiums every year regardless of accidents, by about 5-10%. A few years ago I decided that I had enough and switched to Progressive. Within 2 months, I got a call that now Liberty Mutual can offer me rates half of what I was paying earlier. I switched back. I assume it's how the company makes money, so beware. On the other hand, their customer service is great; they pay out quickly and sufficiently, as I learned last year when one of my vehicles was totaled. I would recommend them.