Drivers have options when trying to find affordable Jeep Liberty insurance. You can either waste hours calling around getting price quotes or leverage the internet to find the lowest rates.
There are both good and bad ways to find car insurance online and you need to know the proper way to quote coverages for your Jeep and get the cheapest rates either online or from local insurance agents.
Smart consumers take time to price shop coverage at least once a year because prices are rarely the same from one policy term to another. Even if you got the best rates on Liberty coverage six months ago you may be paying too much now. Starting now, ignore everything you know about car insurance because you’re about to learn the only way to save money, get proper coverage and the best rates.
Car Insurance Quote Comparison
The are a couple different ways to get quotes from local car insurance companies. The best method to find competitive Jeep Liberty insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.
One of the simplest ways to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for separate forms to each individual car insurance company. Completing one form will get you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
Another way to get quotes online consists of visiting the website of each company to complete their respective quote request forms. For instance, let’s say you want comparison quotes from Progressive, GEICO and American Family. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
The most time-consuming way to get comparison rates is to drive around to and from local insurance agencies. The internet has reduced the need for local agents unless you prefer the professional advice only provided by licensed agents. You can, however, price shop online and still use a local agent.
Whichever way you use, compare exactly the same coverages on every quote you get. If you have different liability limits it will be very difficult to determine which rate is truly the best. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, getting more free quotes provides better odds of finding the best rates.
Don’t overlook these discounts
The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied when you complete an application, but a few must be asked for prior to receiving the credit.
- Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
- Resident Student – Kids in college who live away from home and don’t have a car may qualify for this discount.
- Paperwork-free – Certain companies will give a small break just for signing your application over the internet.
- Discount for New Cars – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
- Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Liberty coverage with certain companies.
- Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.
To see a list of insurers offering car insurance discounts, follow this link.
Factors that can influence Jeep Liberty insurance rates
Consumers need to have an understanding of the factors that help determine your car insurance rates. Understanding what determines base rates enables informed choices that could result in better car insurance rates.
The following are some of the items car insurance companies consider when setting premiums.
- Safe vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you. If your Jeep has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
- Clean credit earns discounts – Your credit rating is a big factor in calculating your car insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit. So if your credit history can use some improvement, you could potentially save money when insuring your Jeep Liberty by improving your credit score.
- Teen drivers pay high rates – Older drivers are more responsible, statistically cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to get distracted easily behind the wheel and because of this, their car insurance rates are much higher.
- Are you male or female? – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents at a similar rate, but the male of the species cause more damage. Men also tend to have more aggressive citations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and are penalized with high car insurance rates.
- Being married can save on car insurance – Having a spouse actually saves money on car insurance. Marriage usually means you are more responsible and it’s statistically proven that drivers who are married are more cautious.
- Never go without insurance – Letting your insurance expire will be a fast way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
Quote online but work with a neighborhood agent
Certain consumers would rather buy from a local agent and there is nothing wrong with that. One of the great benefits of comparing rates online is you may find better rates and still have an agent to talk to. Buying from local agencies is especially important if you live in a smaller city or town.
To find an agent, once you fill out this quick form, your insurance coverage information is sent to local insurance agents who will compete for your business. There is no need to leave your house due to the fact that quote results will go immediately to your email address. How’s that for easy! You’ll get the best rates and a licensed agent to work with.
Two types of insurance agencies
When researching a reliable agent, there are two types of agencies that differ in how they can insure your vehicles. agents can either be captive or independent (non-captive).
Independent Insurance Agents
Independent agencies are not locked into one company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies. When shopping rates, it’s recommended you include price quotes from at a minimum one independent agency to ensure the widest selection of prices.Many can place coverage with lesser-known insurance companies who may have lower rates.
Captive Agents
Captive insurance agents can only place business with one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot place coverage with different providers so always compare other rates. They are well schooled in insurance sales which can be an advantage. Some consumers prefer to buy from captive agents mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
For a complete listing of insurance agencies, click here.
Selecting an insurance agent requires more thought than just the price. Any agent should be forthright in answering these questions:
- Do they feel the quoted coverages are adequate?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are claims handled at the agent’s location?
- Does the agency have a good rating with the Better Business Bureau?
- What insurance companies do they recommend if they are an independent agent?
- Do they specialize in personal lines coverage?
- Is vehicle damage repaired with OEM or aftermarket parts?
Once you have positive feedback to all your questions as well as a affordable price, you have narrowed it down to an auto insurance agent that can properly service your car insurance policy.
Different people need different coverages
When choosing coverage, there is no perfect coverage plan. Every insured’s situation is different.
Here are some questions about coverages that can help discover if your situation could use an agent’s help.
- Does my Jeep Liberty need full coverage?
- Am I covered if I crash into my own garage door?
- Is my teen driver covered when they drive my company car?
- Does medical payments coverage apply to all occupants?
- Am I covered when driving on a suspended license?
- Is my business laptop covered if it gets stolen from my vehicle?
- Am I covered when using my vehicle for business?
- Can I afford to buy a different vehicle if my Jeep Liberty is totaled?
- Does liability extend to a camper or trailer?
- Is my custom paint covered by insurance?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.
Car insurance myths debunked
Car insurance companies such as State Farm, Allstate and GEICO consistently run television and radio advertisements. They all seem to make an identical promise that you can save if you change to them. How do they all make the same claim?
All the different companies have a preferred profile for the type of driver that earns them a profit. For instance, a driver they prefer might be between 30 and 50, has no tickets, and drives newer vehicles. A customer who matches those parameters will qualify for the lowest rates and therefore will save quite a bit of money when switching.
Drivers who don’t measure up to the “perfect” profile must pay a higher premium and this can result in business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently claim big savings.
This illustrates why it’s extremely important to compare many company’s rates. It’s just too difficult to predict which insurance companies will fit your personal profile best.
Keep this in mind
While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In too many instances, consumers will sacrifice liability coverage limits only to discover later that they should have had better coverage. Your focus should be to get the best coverage possible for the lowest price while still protecting your assets.
Cheap Jeep Liberty insurance can be sourced from both online companies and with local insurance agents, and you need to price shop both to get a complete price analysis. Some car insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.
People leave their current company for a number of reasons such as being labeled a high risk driver, policy non-renewal, high rates after DUI convictions or poor customer service. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.
