2004 Jeep Liberty Insurance Cost – 7 Policy Discounts

People who are new to shopping for insurance online might discover shopping for low-cost auto insurance very challenging.

Consumers should take time to take a look at other company’s rates once or twice a year because insurance rates are adjusted regularly by insurance companies. Even if you got the best price on Liberty coverage on your last policy you can probably find a better price now. There is a lot of wrong information about auto insurance online but I’m going to show you some of the best ways to stop overpaying for insurance.

Choosing the best insurance company for you is quite easy. Just about every vehicle owner who has to buy auto insurance will be able to lower their premiums. Nevertheless, vehicle owners must understand how companies sell insurance online and use this information to your advantage.

Free Quotes for Car Insurance

To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The easiest way to compare 2004 Jeep Liberty insurance prices is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way to get quotes is to use a rate comparison form (click to open form in new window). This method prevents you from having to do a different quote for each company. One quote request gets rate comparisons from car insurance companies with the best prices. This is by far the quickest method.
  2. Another way to shop for car insurance online is going to the website of each company to request a price quote. For sake of this example, we’ll assume you want comparison quotes from Liberty Mutual, GEICO and Allstate. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare identical coverage information for each comparison quote. If you have higher or lower deductibles it will be impossible to make a fair comparison for your Jeep Liberty. Quoting even small variations in limits may result in large price differences. And when comparing car insurance rates, know that quoting more will increase your chances of finding lower pricing.

Cut your auto insurance rates with these seven discounts

Companies don’t always list every available discount in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance.

  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Accident Free – Claim-free drivers can save substantially when compared to bad drivers.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in school.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, you won’t be that lucky.

To see a list of companies with discount auto insurance rates, click this link.

You are unique and your insurance coverage should be too

When choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • Is my dog or cat covered if injured in an accident?
  • Do I need rental car coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • How high should my medical payments coverage be?
  • Am I insured when driving a different vehicle?
  • Should I buy additional glass protection?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Are insurance companies telling the truth?

State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies say the same thing that you’ll save big if you switch to their company. How can each company claim to save you money?

Different companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk might be between 30 and 50, a clean driving record, and drives newer vehicles. A customer getting a price quote who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t qualify for the requirements will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that kind of money. That’s why companies can advertise the savings. Because of the profiling, you should get a wide range of price quotes. Because you never know the company that will give you the biggest savings on Jeep Liberty insurance.

Auto insurance coverage information

Learning about specific coverages of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for expenses for things like X-ray expenses, rehabilitation expenses, pain medications, hospital visits and dental work. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, hitting a deer, fire damage, falling objects and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – This coverage provides protection from damage or injury you incur to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like medical services, funeral expenses and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Jeep Liberty.

Due to the fact that many 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 is a good idea.

Collision – This coverage will pay to fix damage to your Liberty caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, crashing into a building, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Shop Smart and Save

Drivers change insurance companies for any number of reasons including delays in paying claims, denial of a claim, policy cancellation and unfair underwriting practices. Regardless of your reason for switching companies, finding a new insurance coverage company is actually quite simple.

We’ve covered some good ideas how you can lower your 2004 Jeep Liberty insurance rates. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the most savings is with some of the lesser-known companies.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced full coverage only to regret that the small savings ended up costing them much more. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Even more information is available in these articles: