Compare 2011 Jeep Liberty Car Insurance Rates

Want the cheapest car insurance rates for your Jeep Liberty? Finding cheaper car insurance could be very difficult for beginners to comparison shopping online. There are so many different companies and agents to choose from that it can easily turn into a big hassle to find a more affordable company.

Smart consumers take time to compare premium rates occasionally because car insurance prices change frequently. If you had the lowest price on Liberty insurance two years ago you will most likely find a better rate quote today. There is too much inaccurate information about car insurance online, but in just a couple of minutes you can learn some solid techniques on how to put money back in your pocket.

Compare free auto insurance quotes

The are a couple different ways to compare rate quotes from all the different companies. The quickest method to find affordable Jeep Liberty insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished by using one of the methods below.

The most efficient way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing repetitive form submissions for every prospective company. In just a few minutes this one form gets you coverage quotes direct from many companies. Just one form and you’re done.

A different way to find better pricing requires visiting each company website to request a price quote. For example, let’s say you want to compare rates from Allstate, State Farm and Travelers. To get rate quotes you would need to spend time on each company’s site and type in your information over and over, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just try to keep the exact same quote data on every quote you get. If the quotes have mixed coverages it’s not possible to truly determine the lowest rate. Slightly different limits can mean a large discrepancy in price. And when quoting auto insurance, remember that comparing a wide range of rates provides better odds of finding a lower rate than you’re paying now. Some insurance companies are not set up to provide price estimates online, so it’s recommended that you also compare quotes from those companies as well.

Discounts for cheap insurance rates

Auto insurance companies don’t list all disounts in a way that’s easy to find, so below is a list some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Theft Deterent Discount – Cars with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Accident Waiver – Not a discount per se, but a handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a specific time period.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because newer models have to meet stringent safety requirements.
  • Membership in Organizations – Belonging to a professional or civic organization could trigger savings on your policy.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy with the same insurance company you may save nearly 15% which can help you find low cost car insurance.
  • Senior Citizens – If you qualify as a senior citizen, you can get a discount up to 10% on Liberty insurance.
  • Online Discount – A few companies will discount your bill up to fifty bucks for signing up on the internet.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Companies and the discounts they provide are detailed below.

  • State Farm offers discounts for anti-theft, safe vehicle, good driver, driver’s education, student away at school, good student, and accident-free.
  • Esurance includes discounts for emergency road assistance, online shopper, online quote, multi-policy, and claim free.
  • Progressive has savings for online signing, online quote discount, continuous coverage, multi-policy, good student, multi-vehicle, and homeowner.
  • Liberty Mutual has discounts for multi-car, preferred payment discount, good student, new vehicle discount, hybrid vehicle, new graduate, and exclusive group savings.
  • Auto-Owners Insurance offers discounts including safe driver, air bags, anti-theft, good student, company car, and safe vehicle.
  • GEICO may include discounts for multi-policy, air bags, five-year accident-free, seat belt use, anti-lock brakes, driver training, and emergency military deployment.

When getting a coverage quote, ask every insurance company to apply every possible discount. Some credits may not apply to policyholders in your area. If you would like to choose from a list of companies with significant discounts, click this link.

How your Liberty insurance costs are determined

Many factors are taken into consideration when pricing auto insurance. Most are fairly basic like an MVR report, but some are less obvious such as your credit history or how financially stable you are.Consumers need to have an understanding of the rating factors that help determine insurance rates. When you know what positively or negatively determines base rates, this allows you to make good choices that can help you get much lower annual insurance costs.

The list below includes just a few of the factors used by insurance companies to determine your rate level.

  • Little extras can really add up – There are quite a few extra add-on coverages that may not really be needed on your insurance policy. Add-on coverages like replacement cost coverage, high-cost glass coverage, and term life insurance may not be needed and are just wasting money. The coverages may be enticing when buying your policy, but if you have no use for them eliminate the coverages to reduce your premium.
  • Always keep your policy in force – Having a gap between insurance policy dates can be a guaranteed way to bump up your insurance costs. And not only will insurance be more expensive, the inability to provide proof of insurance could result in a revoked license or a big fine. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Where do you drive? – The more you drive your Jeep each year the higher your rate. The majority of insurers apply a rate based on their usage. Vehicles that are left in the garage can get a lower rate than those used for commuting. It’s a smart idea to ensure your insurance declarations sheet reflects the correct usage, because it can save money. A policy that improperly rates your Liberty may be costing you.
  • What’s your car’s safety rating? – Vehicles with high crash test scores can get you lower premiums. Highly rated vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Jeep is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether or not you may require specific advice.

  • Is upholstery damage covered by car insurance?
  • What vehicles should carry emergency assistance coverage?
  • Does my car insurance cover rental cars?
  • Do I have coverage when making deliveries for my home business?
  • Does coverage extend to Mexico or Canada?
  • Is my dog or cat covered if injured in an accident?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Insurance coverage basics

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage will pay to fix damage to your Liberty resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, rock chips in glass, theft, damage from getting keyed and vandalism. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability insurance can cover damage that occurs to other’s property or people. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, emergency aid, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Liberty.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, surgery and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

And the best car insurance company is…

Consumers who switch companies do it for any number of reasons including policy non-renewal, delays in paying claims, an unsatisfactory settlement offer and even questionable increases in premium. It doesn’t matter what your reason, switching auto insurance companies is easier than you think.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your goal is to find the BEST coverage at the best cost, but do not skimp to save money.

We just showed you some good ideas how to save on 2011 Jeep Liberty insurance. The key thing to remember is the more times you quote, the higher your chance of finding low cost car insurance. Drivers may discover the lowest prices are with a lesser-known regional company.

Additional auto insurance information can be read at these links: