2012 Jeep Liberty Insurance Quotes

Finding the cheapest insurance for your Jeep Liberty can normally be a lot of work, but you can use these tips to find lower rates.

There is a better way to compare car insurance rates and we’ll show you the absolute fastest way to price shop coverage for a Jeep and find the lowest possible price from local insurance agents and online providers.

Lower rates by qualifying for discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically when you complete an application, but some may not be applied and must be inquired about before they will apply. If they aren’t giving you every credit available, you are throwing money away.

  • Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Liberty insurance than less cautious drivers.
  • Sign Online – Certain companies may give you up to $50 simply for signing over the internet.
  • Senior Citizens – Older drivers may be able to get a discount up to 10% on Liberty insurance.
  • No Accidents – Claim-free drivers pay much less when compared to accident-prone drivers.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in school.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But any discount will bring down your premiums.

Car insurance companies that possibly offer some of the above discounts include:

Check with each company which discounts you may be entitled to. Discounts might not apply in your state.

Insurance Coverage Comparison Rates

Finding a better price on insurance coverage is actually quite simple. All you need to do is invest a little time to get quotes from different insurance companies. This can be done in a couple of different ways.

  • The fastest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for a different quote for each company. Filling out one form gets you coverage quotes from multiple companies. It’s the fastest way to compare.
  • A slightly less efficient method to shop for insurance coverage online requires a trip to each company website and request a quote. For instance, let’s assume you want to compare rates from Farmers, Geico and Travelers. To get each rate you have to visit each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare apples-to-apples quote information on every quote. If you have differing limits it’s impossible to determine the best price for your Jeep Liberty.

Pieces of the Jeep Liberty insurance rate puzzle

Consumers need to have an understanding of some of the elements that play a part in calculating your insurance coverage rates. When you know what positively or negatively influences your rates enables informed choices that will entitle you to better insurance coverage rates.

  • How your age affects price – Teenage drivers are known to be more careless when behind the wheel so insurance coverage rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • Safer cars cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Jeep Liberty has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Pay less after the wedding – Having a wife or husband actually saves money when buying insurance coverage. Marriage is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.
  • Discounts for multiple policies – Some companies provide better rates to insureds who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare rates to confirm you are receiving the best rates possible.
  • Add-on coverages can add up – There are a ton of extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and term life insurance may be costing you every month. They may seem good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Save money with special equipment – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • The more you drive the more you pay – The more you drive in a year the more you will pay for insurance coverage. Almost all companies apply a rate determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Liberty may be wasting your money. Ask your agent if your insurance coverage policy shows the correct driver usage.
  • Where you reside plays a part – Living in a small town can save you money when it comes to insurance coverage. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.

Car insurance is unique, just like you

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Is business property covered if stolen from my car?
  • Can my teen drive my company car?
  • Why does it cost so much to insure a teen driver?
  • Is rental equipment covered for theft or damage?
  • Am I covered if I hit my neighbor’s mailbox?
  • What are the financial responsibility laws in my state?
  • When would I need additional glass coverage?
  • Am I covered if hit by an uninsured driver?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance coverage information

Having a good grasp of a auto insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2012 Jeep Liberty.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are set the same as your liablity limits.

Auto liability insurance

This coverage can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, legal defense fees, repair bills for other people’s vehicles, attorney fees and loss of income. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a bird and vandalism. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, hitting a mailbox, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like surgery, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Feed the piggy bank

We just covered many ideas to reduce 2012 Jeep Liberty insurance prices online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a smaller regional carrier.

Cost effective insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at the best price.

Additional information is available on the following sites: