Cheap 2006 Jeep Liberty Car Insurance Cost

Looking for the cheapest auto insurance rates for your Jeep Liberty? Sick and tired of paying out the nose to insure your Jeep every month? You are no different than many other drivers.

Drivers have multiple auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to find the best rates.

The best way we recommend to compare rates utilizes the fact auto insurance companies participate in a system to give rate comparisons. To begin a comparison, all you need to do is give the companies some data including whether the vehicles are used for commuting, if your license is active, whether your vehicle is owned or leased, and level of coverage desired. The data gets sent immediately to all major companies and you will get price comparisons very quickly.

To compare multiple company rates now, click here then complete the form.

Do you qualify for discounts?

Companies do not advertise every discount in a way that’s easy to find, so we researched some of the best known as well as the least known ways to save on insurance.

  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiration. This can save 10% or more.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • No Claims – Good drivers with no accidents pay much less when compared to frequent claim filers.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Resident Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

A partial list of companies that may have some of the above discounts may include but are not limited to:

Check with each insurance company which discounts they offer. Discounts may not be available everywhere.

Don’t assume everyone needs the same coverage

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Should I get collision insurance on every vehicle?
  • Does my car insurance cover rental cars?
  • Is my ex-spouse still covered by my policy?
  • Is a blown tire covered by insurance?
  • Does having multiple vehicles earn me a discount?
  • Is rental equipment covered for theft or damage?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Why you might be paying too much to insure your Jeep Liberty

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for insurance coverage. Knowing what influences your rates empowers consumers to make smart changes that could result in lower insurance coverage prices.

  • Do you know you’re credit rating? – Credit rating is a big factor in determining what you pay for insurance coverage. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower ratings. If your credit score can use some improvement, you could be paying less to insure your 2006 Jeep Liberty by improving your rating.
  • Occupation reflects on rates – Occupations like lawyers, architects and dentists are shown to have the highest average rates attributed to high stress and lengthy work days. Other professions such as actors, historians and the unemployed pay the least for Liberty insurance.
  • Poor driving leads to higher costs – Careful drivers have lower premiums compared to drivers with tickets. Just one moving violation can boost insurance rates by as much as thirty percent. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Sex matters – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes are in accidents at a similar rate, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • Bump up deductibles to save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Jeep from damage. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, or theft. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your insurance coverage will be for Liberty insurance.

Ads can be misleading

State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. All the companies have a common claim about savings if you switch your policy. How can each company make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the type of driver that makes them money. For example, a driver they prefer could possibly be between the ages of 30 and 50, owns a home, and has great credit. Any new insured that hits that “sweet spot” will get very good rates and as a result will probably save when switching.

Potential customers who don’t meet these standards must pay a higher premium which usually ends up with the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save that much money. This is how insurance companies can advertise the savings. This illustrates why drivers must get as many comparisons as possible. Because you never know which insurance company will provide you with the cheapest Jeep Liberty insurance rates.

Parts of your car insurance policy

Knowing the specifics of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Liberty.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like X-ray expenses, ambulance fees, pain medications, rehabilitation expenses and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

This provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t 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. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like medical expenses, medical services, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Take this to the bank

We just presented quite a bit of information on how to get a better price on 2006 Jeep Liberty insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. In many cases, an insured dropped comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

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