Jeep Liberty Owners Learn the Lowest Car Insurance Rates

Drivers have options when trying to find low-cost Jeep Liberty insurance. They can either waste time driving around to compare prices or leverage the internet to find the lowest rates.

There is a better way to buy car insurance and you need to know the absolute fastest way to quote coverages for your Jeep and get the best price possible from local insurance agents and online providers.

It’s a great practice to compare prices before your policy renews due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the best deal on Liberty insurance six months ago you can probably find a better price now. Don’t believe everything you read about car insurance on the internet, so we’re going to give you some proven techniques to save money.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. This information will introduce you to how car insurance quotes work. Although consumers must comprehend how companies market insurance on the web and use this information to your advantage.

Car Insurance Prices

The are a couple different ways to compare rate quotes from local car insurance companies. The recommended way to find competitive Jeep Liberty insurance rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing a different quote to each individual car insurance company. Just one form will return price quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A different way to find lower rates consists of visiting the website for each individual company to complete their respective quote request forms. For examples sake, we’ll assume you want to compare rates from Farmers, Esurance and Liberty Mutual. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The least recommended method of comparing rate quotes is driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the professional advice that only a license agent can provide. Drivers can compare the best prices online but still have the advice of a local agent and we’ll cover that in a bit.

It’s up to you which method you use, but ensure you are comparing the exact same coverage limits and deductibles for each comparison quote. If you are comparing higher or lower deductibles it’s impossible to determine the lowest rate for your Jeep Liberty. Having just a slight variation in coverages can result in a big premium difference. Just keep in mind that obtaining a wide range of quotes will increase your chances of finding the best rates.

Jeep Liberty rate determination is complex

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that will entitle you to better car insurance rates.

The list below includes some of the items that factor into prices.

  • Credit scores impact car insurance rates – A driver’s credit history is a important factor in determining what you pay for car insurance. If your credit history is not that good, you could be paying less to insure your Jeep Liberty by improving your credit score. People with high credit scores tend to be more responsible than those with lower credit scores.
  • Bad driving skills means higher rates – Even a single speeding ticket can boost insurance rates by twenty percent. Careful drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Rate your vehicle for proper use – The more you drive in a year’s time the higher your rate. Almost all companies apply a rate based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy properly reflects the correct driver usage. If your policy improperly rates your Liberty can cost quite a bit.
  • Don’t skimp on liability – Liability insurance provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. Certain discounts will be applied when you quote, but less common discounts must be inquired about prior to getting the savings.

  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates when shopping for car insurance on Liberty insurance.
  • Accident Forgiveness – A handful of insurance companies permit an accident before raising your premiums if your claims history is clear prior to the accident.
  • Homeowners Discount – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • No Claims – Claim-free drivers pay much less compared to accident-prone drivers.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Liberty insurance than drivers with accidents.
  • 55 and Retired – Mature drivers may qualify for a discount up to 10% on Liberty insurance.

Keep in mind that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

Do I need special coverages?

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Am I covered if I crash into my own garage door?
  • Should I rate my Jeep Liberty as pleasure use or commute?
  • Is pleasure use cheaper than using my Jeep Liberty to commute?
  • Is rental equipment covered for theft or damage?
  • What is high-risk coverage and where do I buy it?
  • Do I need special endorsements for business use of my vehicle?
  • When should I not file a claim?
  • Do I need higher deductibles?
  • Should I drop comprehensive coverage on older vehicles?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Neighborhood agents for car insurance

Some people prefer to get advice from a local agent. One of the best bonuses of comparing rates online is you can get lower rates and still choose a local agent. And supporting local businesses is important especially in smaller rural communities.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information is immediately sent to insurance agents who will return price quotes for your coverage. There is no reason to even leave your home as quotes are delivered straight to your inbox. Now that’s easy! Get lower rates AND a local agent.

Compare rates from both independent and captive car insurance agents

When searching for a local agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Insurance agencies are either independent (non-captive) or captive.

Independent Insurance Agents

These agents do not work for one specific company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rates, it’s recommended you include price quotes from at a minimum one independent agency for maximum quote selection. Many write coverage with smaller companies who may have lower rates.

Captive Insurance Agents

This type of agents work for only one company and examples are American Family, Liberty Mutual and AAA. Captives cannot give you multiple price quotes so keep that in mind. Captive agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes buy from captive agents partially due to the brand legacy and strong financial ratings.

For a full directory of insurance agents, click here.

Liberty insurance rates

Selecting an insurance agency requires more thought than just the bottom line cost. These questions are important to ask:

  • Who are their largest clients?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Who is covered by the car insurance policy?
  • If you have an accident, will your rates go up?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Is the agency involved in supporting local community causes?
  • Which company do they place the most coverage with?

Upon getting positive feedback in addition to an acceptable price estimate, most likely you have located an auto insurance agent that will adequately provide car insurance.

Quote more, save more

People who switch companies do it for a variety of reasons including being labeled a high risk driver, delays in paying claims, lack of trust in their agent or unfair underwriting practices. It doesn’t matter what your reason, switching companies can be less work than you think.

We just presented a lot of information how to shop for Jeep Liberty insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even discover the biggest savings come from a smaller regional carrier.

Discount Jeep Liberty insurance can be purchased online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance providers may not provide online price quotes and these small, regional companies work with independent agents.