Jeep Liberty Owners Find How to Cut Their Car Insurance Rates

Trying to find low-cost insurance for a Jeep Liberty can be a painful process, but you can use a few tricks and make it easy.

There is a better way to find car insurance online and you need to know the absolute fastest way to compare rates for a new or used Jeep and get the cheapest rates from local insurance agents and online providers.

You should make it a habit to get comparison quotes once or twice a year because rates fluctuate regularly. Even if you got the lowest price for Liberty insurance a couple years back a different company probably has better rates today. So ignore everything you know about car insurance because you’re about to learn the easiest way to lower your annual insurance bill.

Car Insurance Comparisons

Most companies like Allstate, GEICO and Progressive provide insurance quotes online. Getting online quotes doesn’t take a lot of time as you just enter your coverage information as detailed in the form. After you complete the form, the system automatically orders your credit score and driving record and generates a price.

This makes comparing rates easy, but the time required to go to several different sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to do this if you want to find the best price on car insurance.

Rate comparisons made easy

A less time-consuming method to find cheaper rates uses one form that obtains quotes from many companies. The form is fast, reduces the work, and makes comparison shopping much simpler. As soon as you send your information, it is quoted and you can choose any one of the price quotes you receive.

If the quotes result in lower rates, you can click and sign and purchase the new policy. It takes less than 15 minutes and can result in significant savings.

To quickly compare rates now, click here to open in a new tab and submit the form. To compare your current rates, we recommend you copy the coverage information exactly as shown on your declarations page. This makes sure you’re receiving rate comparison quotes for exact coverage. insurance banner

Beware of misleading car insurance ads

Car insurance companies such as Allstate, GEICO and Progressive consistently run television and radio advertisements. They all seem to make the same claim that you’ll save big if you change to their company. How can each company make almost identical claims? This is how they do it.

All the different companies can use profiling for the driver that makes them money. An example of a driver they prefer could be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Consumers who fall outside these standards must pay higher premiums which leads to business not being written. The ads state “customers that switch” but not “drivers who get quotes” save that much. That is how insurance companies can make those claims.

This illustrates why drivers must get as many comparisons as possible. It’s not possible to predict which insurance companies will give you the biggest savings.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but there are discounts available to help bring down the price. Certain discounts will be applied when you complete an application, but some may not be applied and must be specially asked for in order for you to get them.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • No Claims – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will reduce the cost of coverage.

To choose insurers offering car insurance discounts, click here.

Insurance agents can help

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if you would benefit from professional advice.

compare Liberty insurance prices

  • Do all my vehicles need collision coverage?
  • Who is covered by my policy?
  • What can I do if my company won’t pay a claim?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when driving in Canada or Mexico?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when driving a rental car?
  • Does my Jeep Liberty need full coverage?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Do the work, save more money

While you’re price shopping online, you should never reduce coverage to reduce premium. There have been many cases where someone dropped uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at a price you can afford while still protecting your assets.

We’ve covered a lot of techniques to shop for Jeep Liberty insurance online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Consumers leave their current company for many reasons like lack of trust in their agent, being labeled a high risk driver, delays in responding to claim requests and denial of a claim. Regardless of your reason, finding a great new company is not as difficult as it may seem.