Cheap 2002 Jeep Liberty Insurance Quotes

Want better auto insurance rates for your Jeep Liberty? Shopping for the most affordable auto insurance can appear to be problematic for consumers who are beginners to quoting and comparing and buying auto insurance on the web. With more and more online companies, how can consumers efficiently compare the different rates to find the cheapest price possible?

Are you receiving every discount?

Not too many consumers would say car insurance is affordable, but you can get discounts that you may not even be aware of. Many discounts should be triggered at the time you complete a quote, but lesser-known reductions have to be requested specifically in order for you to get them.

• Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates on Liberty insurance.
• No Accidents – Claim-free drivers are rewarded with significantly better rates on insurance quote as compared to accident-prone drivers.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts may get savings of 25 to 30%.
• Auto/Home Discount – If you insure your home and vehicles and insure them with the same company you could save at least 10 to 15 percent or more.
• Distant Student Discount – Kids who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.

One last thing about discounts, most discounts do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like you could get a free car insurance policy, nobody gets a free ride.

The best car insurance companies and some of the premium reductions they offer are detailed below.

• Travelers offers premium reductions for home ownership, payment discounts, multi-car, student away at school, and hybrid/electric vehicle.
• 21st Century offers discounts including driver training, homeowners, early bird, theft prevention, and student driver.
• State Farm includes discounts for passive restraint, Steer Clear safe driver discount, good student, safe vehicle, good driver, driver’s education, and accident-free.
• Geico may offer discounts for good student, anti-theft, five-year accident-free, daytime running lights, anti-lock brakes, military active duty, and emergency military deployment.
• SAFECO may have discounts that include anti-lock brakes, drive less, bundle discounts, homeowner, anti-theft, and teen safety rewards.
• AAA may include discounts for pay-in-full, multi-policy, good student, education and occupation, anti-theft, AAA membership discount, and good driver.

Double check with each company or agent which discounts they offer. Some discounts listed above might not be offered on policies in your area.

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The Jeep Liberty insurance premium equation

Smart consumers have a good feel for a few of the rating criteria that help calculate the rates you pay for car insurance. If you have some idea of what controls the rates you pay, this enables informed choices that can help you get better car insurance rates.

• Pleasure use saves money – The more miles you rack up on your Jeep in a year’s time the more it will cost to insure it. Many insurance companies calculate rates based upon how the vehicle is primarily used. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. Incorrect rating for your Liberty may be costing you higher rates. Make sure your car insurance policy is rated on the correct usage, because it can save money.
• Vehicles with better crash test results lower premiums – Vehicles that have high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries means lower claim amounts which can mean better rates for you.
• Drivers with high credit save – Having a bad credit rating can be an important factor in determining your rates. So if your credit score leaves room for improvement, you could potentially save money when insuring your 2002 Jeep Liberty by repairing your credit. Insureds that have very high credit ratings tend to be more responsible and file fewer claims as compared to drivers with worse credit.
• Consolidate home and auto and save – Lots of companies give lower prices to buyers who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten percent or more. Even if you qualify for this discount already, it’s in your best interest to get quotes from other companies to help guarantee you have the best rates. You may still be able to find a better deal by buying car insurance from a different company.
• Never let your car insurance policy lapse – Not maintaining insurance can get you a ticket and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, not being able to provide proof of insurance could earn you fines and jail time.
• Too many car insurance claims drive up car insurance rates – If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Companies award better rates to drivers who are claim-free. Your insurance policy is intended for claims that pose a financial burden.

When in doubt talk to an agent

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions may help highlight whether your personal situation could use an agent’s help.

• Can I afford to buy a different vehicle if my 2002 Jeep Liberty is totaled?
• What companies insure drivers after a DUI or DWI?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is motorclub coverage worth it?
• Am I covered when driving on a suspended license?
• What is roadside assistance coverage?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, complete this form.

Big names are not always cheapest

Well-known insurance companies like Progressive, Allstate and Geico endlessly run television, radio, and online ads. All the companies make the same claim that you can save just by switching your policy. That’s great but how can every company make almost identical claims? It’s all in how they say it.

All companies have specific guidelines for a prospective insured that will be a good risk. An example of a preferred risk could be a married male, carries full coverage, and has a high credit rating. Any new insured that meets those criteria receive the lowest rate quotes and will save quite a bit of money when switching.

Potential insureds who are not a match for the requirements may be forced to pay a higher rate and this can result in the customer buying from a different company. The trick is to say “customers that switch” but not “everyone who gets a quote” save money. That’s the way companies can make those statements. That is why it’s extremely important to get price quotes at each policy renewal. It is just not possible to predict which company will give you lower car insurance rates than your current company.

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Insurance specifics

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

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 coverage protects against things like damage from getting keyed, hitting a bird, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as structural damage, legal defense fees, emergency aid, bail bonds and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for prosthetic devices, dental work, ambulance fees, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Jeep Liberty.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

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

Collision can pay for things like driving through your garage door, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

A little work can save a LOT of money

We’ve covered a lot of information how to lower your 2002 Jeep Liberty insurance premium rates. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable insurance. You may be surprised to find that the lowest priced insurance comes from a small local company.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

A few companies don’t offer the ability to get quotes online and most of the time these small insurance companies only sell coverage through local independent agents. Budget-conscious 2002 Jeep Liberty insurance is possible from both online companies and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis.

Much more information about insurance can be found below:

• Auto Insurance 101 (About.com)
• Distracted Driving Extends Beyond Texting (State Farm)
• Understanding your Policy (NAIC.org)
• How to Avoid Staged Accidents (State Farm)
• Cellphones, Texting and Driving (iihs.org)

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