Finding the cheapest insurance for a Jeep Liberty in Texas could be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to shop for car insurance and we’ll show you the best way to price shop coverage for a new or used Jeep and obtain the best price possible either online or from Fort Worth insurance agents.
It’s important to do price comparisons every six months since rates tend to go up over time. Despite the fact that you may have had the best premium rates for Liberty coverage at your last renewal there is a good chance you can find better prices now. There is a lot of bad advice regarding car insurance online, but in just a couple of minutes you can learn a bunch of ideas how to find affordable car insurance.
The quickest way to compare rates is to understand auto insurance companies have advanced systems to compare their rates. The only thing you need to do is take a few minutes to give details such as if you lease or own, daily mileage, if you’re married, and driver ages. The rating information is automatically sent to multiple different insurance companies and you will get price comparisons quickly.
To start a rate quote now, click here and find out if lower rates are available.
Seven Things That Influence Your Insurance Rates
An important part of buying insurance is that you know some of the things that play a part in calculating car insurance rates. If you have a feel for what influences your rates, this enables you to make decisions that will entitle you to lower rates.
- Multiple policies with one company – Some insurers allow a discount to buyers that purchase more than one policy in the form of a multi-policy discount. Even if you already get this discount, consumers should still compare other insurance prices to ensure the best deal.
- Policy add-ons add up – Insurance companies have many extra coverages that you can get tricked into buying if you aren’t diligent. Coverages for rental car coverage, death and dismemberment, and extra equipment coverage may be costing you every month. They may seem good when discussing your needs, but if you don’t need them remove them from your policy.
- Accidents cost more than a fine – How you drive can have a huge impact on auto insurance premiums. Drivers with clean records pay less for auto insurance as compared to careless drivers. Even one speeding ticket or other violation may increase your cost substantially. Drivers unfortunate enough to have dangerous violations like DUI, reckless driving or excessive speeding may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive a vehicle.
- High credit rating translates to low premiums – An insured’s credit history is a big factor in determining premium rates. If your credit score is low, you could save money insuring your Jeep Liberty if you clean up your credit. Insureds with good credit tend to be better drivers and file fewer claims than those with bad credit.
- Pay less with a high crash test rating – Cars with five star safety ratings tend to have lower insurance rates. Safer cars reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Jeep Liberty scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- Guys tend to take more risk – Over time, data shows that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. They both have accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage so it costs more to insure them.
- Fewer miles means better premiums – The more you drive your Jeep each year the more it will cost to insure it. Most insurance companies charge rates based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates compared to those used for work or business. An improperly rated Liberty is throwing money out the window. Ask your agent if your declarations sheet correctly shows the correct usage for each vehicle, because improper ratings can cost you money.
Texas car insurance discounts
Car insurance is not inexpensive, but you may be missing some discounts to help offset the cost. Certain credits will be shown when you get a quote, but occassionally some discounts must be specially asked for before you will receive the discount. If you are not receiving all the discounts you deserve, it’s possible you qualify for a lower rate.
- Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Liberty coverage depending on your car insurance provider.
- College Student – Older children living away from home attending college and do not take a car to college could qualify for this discount.
- Driving Data Discount – Insureds who allow their car insurance company to look at vehicle usage by using a small device installed in their vehicle like Allstate’s Drivewise may see discounts if they have good driving habits.
- Discount for Low Mileage – Driving fewer miles could qualify for lower premium rates due to less chance of an accident.
- Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Discount for Multiple Policies – When you combine your home and auto insurance with one insurance company you will save approximately 10% to 15%.
- Air Bags and Passive Restraints – Factory air bags or automatic seat belts can get savings up to 30%.
- No Charge for an Accident – Not really a discount, but some companies like Allstate and Progressive will turn a blind eye to one accident before hitting you with a surcharge if you have no claims prior to the accident.
Just know that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy.
Larger car insurance companies and their possible discounts are shown below.
- GEICO includes discounts for membership and employees, emergency military deployment, multi-vehicle, daytime running lights, and five-year accident-free.
- Mercury Insurance has savings for age of vehicle, anti-theft, good student, annual mileage, and accident-free.
- Farmers Insurance policyholders can earn discounts including good student, homeowner, pay in full, electronic funds transfer, and teen driver.
- Auto-Owners Insurance offers discounts for anti-theft, paperless, anti-lock brakes, mature driver, student away at school, multiple vehicles, and safe driver.
- Liberty Mutual may have discounts that include new move discount, hybrid vehicle, safety features, teen driver discount, and new graduate.
- SAFECO offers premium reductions for anti-theft, bundle discounts, accident prevention training, homeowner, safe driver, and teen safety rewards.
- Progressive has discounts for multi-vehicle, online signing, online quote discount, continuous coverage, homeowner, and good student.
- USAA discounts include family discount, vehicle storage, multi-policy, driver training, new vehicle, and multi-vehicle.
When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies in Fort Worth.
Lower rates by being persistent
When you , it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut full coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the best price, but do not sacrifice coverage to save money.
Drivers leave their current company for any number of reasons including delays in responding to claim requests, policy non-renewal, unfair underwriting practices or extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new car insurance company is easier than you think.
In this article, we covered many tips how you can reduce Jeep Liberty insurance premium rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a smaller regional carrier.
More resources for learning
More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Texas drivers can read consumer alerts, report car insurance fraud, and view agent and company licensing information.
The articles below may also help you learn more about car insurance in Fort Worth