2009 Jeep Liberty Insurance Quotes

Searching for better car insurance rates for your Jeep Liberty? Finding cheap car insurance on the internet may be impossible for consumers new to comparison shopping online. With so many choices of insurers to choose from, how can anyone effectively compare every one to find the best price?

You need to compare prices on a regular basis since rates go up and down regularly. Even if you think you had the lowest rates for Liberty insurance a couple years back you may be paying too much now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

Finding Insurance Coverage

Comparing insurance coverage rates can take hours if you don’t know the most efficient way. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use the internet for quick rates.

Many of the larger companies take part in a program that enables customers to submit one quote, and every company can provide price quotes based on that data. This eliminates the need for form submissions for each company you want a rate for. To compare 2009 Jeep Liberty rates now click here to open in new window.

The one disadvantage to pricing coverage this way is you cannot specify which insurance companies you will receive quotes from. If you would rather choose individual companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click here to view list.

However you get your quotes, double check that you are using identical information on every quote. If each company quotes different values for each quote then you won’t be able to determine which rate is truly the best. Just a small difference in coverage limits may result in a large different in cost. Just keep in mind that quoting more will improve the odds of getting a better price.

Take advantage of discounts

The cost of insuring your cars can be expensive, but you can get discounts that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but a few must be asked for before being credited.

  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current expiration date. It’s a savings of about 10%.
  • Auto/Home Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Accident Waiver – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Liberty insurance than drivers with accident claims.
  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, you’re out of luck. But any discount will help reduce the cost of coverage.

Companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Some discounts may not be available in your area.

How to know if you need help

When choosing the best insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do all my vehicles need collision coverage?
  • Am I insured when driving a different vehicle?
  • Is motorclub coverage worth it?
  • If my 2009 Jeep Liberty is totaled, can I afford another vehicle?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Why your Jeep Liberty insurance rates may be high

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates enables informed choices that will entitle you to big savings.

  • Poor driving leads to higher costs – Drivers with clean records get better rates compared to drivers with tickets. Even one ticket may increase your cost twenty percent or more. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Pleasure use or commuting – The more miles you rack up on your Jeep each year the higher your rates will be. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Liberty may be costing you. Ask your agent if your auto insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Your credit rating is important – Having a bad credit score is a large factor in your rate calculation. Therefore, if your credit rating is lower than you’d like, you could potentially save money when insuring your 2009 Jeep Liberty by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Claim-free discounts can add up – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies award discounts to insureds who are claim-free. Your insurance policy is intended for the large, substantial claims.
  • Your location affects your rates – Living in a rural area has it’s advantages when talking about auto insurance. Fewer people means a lower chance of having an accident and a lower car theft rate. Urban drivers have congested traffic and longer commute times. More time commuting means more change of being in an accident.
  • More than one policy can earn a discount – Many insurance companies provide better rates to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even with this discount, it’s still a good idea to shop around to ensure the best deal.
  • Don’t let your coverage lapse – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Pay less if you’re married – Having a spouse can actually save you money on your auto insurance policy. It usually means you are more mature and statistics show being married results in fewer claims.

Car insurance coverage information

Knowing the specifics of your policy helps when choosing 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.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair bills for other people’s vehicles, court costs, emergency aid and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from flooding and hitting a deer. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jeep Liberty.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like rehabilitation expenses, surgery, hospital visits, nursing services and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Knowledge is power

We covered some good ideas how you can get a better price on 2009 Jeep Liberty insurance. The key thing to remember is the more you quote, the higher the chance of saving money. You may even find the best prices are with some of the smallest insurance companies.

Budget-conscious insurance can be bought from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer online quoting and these smaller companies work with independent agents.

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. There have been many cases where someone sacrificed collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest price.

For more information, take a look at the following helpful articles: