[Publius Valerius]

Some of this may be due to the quality of the local office.

Probably true. I've had the same local agent at Liberty Mutual for 15 years; my old man used Liberty Mutual for 50 years, and the same local agent for longer than me, at least. I've found Liberty to be very fair and although its prices are somewhat higher than other companies, when I have had claims, I thought the settlements arrived very quickly and were extremely generous (close to being too high).

I'll also note that a few times I've called Liberty and asked them to lower my premiums. They always have.

[Vigilanteman]

We switched to Liberty Mutual after two other carriers raised our rates because we have less than perfect credit. Liberty gives allowances for lifestyle choices since mine tend to be in a lower risk category than those with alternate lifestyle choices which have perfect credit.

The lifestyle choices we have a little things like being married to the same person for over 20 years, kids on the honor roll, no DUI's, etc.