Penny Pincher Insurance for your Jeep Liberty
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. Unfortunately, it's not always as easy as it sounds to get the best rate. Finding affordable coverage for your Jeep Liberty probably is no different.
Step One: Compare Multiple Rate Quotes
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Times have changed!
Getting online rate quotes for a Jeep Liberty from all the major insurance companies is very easy and only requires you to enter your information once.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Use the Same Coverages! It's really important that when doing multiple quotes for your Liberty that you use identical coverages for liability, comprehensive and collision. If you use different values, it's impossible to determine which company has the lower rates.
Step Two: Tricks to Saving Money on Liberty Insurance
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Liberty that will also lower the rate you pay irregardless of which company you choose.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- Insurance companies will charge you a little higher rate on an SUV due to the fact that most have larger engines, four wheel drive, and more complex drive trains.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- If your Liberty ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
- Each year make a habit of checking your credit score. If you find problems that may be dragging down your credit rating, address them immediately. This will result in significant savings on car insurance.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
Step Three: Buy the Policy That's Right for You
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
If this is a new policy with only the Jeep on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Liberty at risk as soon as you drive away.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
The Insurance Information Institute website has a great library of car insurance topics that cover claims, replacement parts, rental cars and more.
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