2007 Jeep Liberty Car Insurance Rates – 9 Ways to Save

Looking for the cheapest insurance coverage rates for your Jeep Liberty? Are you sick and tired of not being able to afford to buy insurance coverage? You are no different than many other vehicle owners. Vehicle owners have many insurance companies to insure vehicles with, and even though it’s nice to have a choice, having more car insurance companies makes it harder to find the best rates for your vehicles.

Finding the lowest cost coverage is simple if you know the tricks. If you have insurance now or need new coverage, you can use this information to reduce the price you pay while maintaining coverages. Consumers only need an understanding of the most effective way to compare price quotes online.

Cheaper insurance rates with discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but a few must be manually applied prior to receiving the credit. If you’re not getting every credit you deserve, you could be saving more on your insurance.

• Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction on Liberty insurance with select insurance companies.
• E-sign – A few larger online companies may give you up to $50 for completing your application on their website.
• Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Lower Rates for Military – Being on active deployment in the military may qualify for rate reductions.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it can save substantially.
• Accident Forgiveness Coverage – Not really a discount, but a few companies such as State Farm, Progressive and Geico permit an accident before your rates go up if your claims history is clear prior to being involved in the accident.
• No Claims – Good drivers with no accidents can save substantially in comparison with accident-prone drivers.
• Own a Home and Save – Owning a house can save a few bucks because maintaining a house requires personal responsibility.

It’s important to understand that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, nobody gets a free ride.

A list of companies and some of the premium reductions they offer are detailed below.

• 21st Century includes discounts for student driver, homeowners, automatic seat belts, theft prevention, early bird, driver training, and anti-lock brakes.
• State Farm offers premium reductions for driver’s education, multiple autos, safe vehicle, good student, defensive driving training, and anti-theft.
• AAA has savings for AAA membership discount, anti-theft, good driver, multi-car, good student, and pay-in-full.
• Liberty Mutual offers discounts including safety features, preferred payment discount, good student, multi-car, and multi-policy.
• Progressive offers discounts for online quote discount, multi-policy, multi-vehicle, good student, online signing, and continuous coverage.

If you need lower rates, check with every prospective company how you can save money. Discounts may not be available in your area. If you would like to view companies that offer the discounts shown above, click here to view.

Tailor your car insurance coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

• What is PIP insurance?
• Is my 2007 Jeep Liberty covered for smoke damage?
• Does my 2007 Jeep Liberty need full coverage?
• Can I afford low physical damage deductibles?
• Is my custom paint covered by insurance?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need more liability coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Can switching companies really save?

Drivers can’t get away from all the ads that promise big savings for switching from the likes of 21st Century, Allstate and State Farm. All the companies seem to make the promise about saving some big amount just by moving your insurance coverage policy to them.

How is it plausible that every one can charge you a lower premium? It’s all in the words they use.

Insurance providers look for specific characteristics for a prospective insured that will be a good risk. For example, a profitable insured might have to be married and over the age of 30, carries high limits, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get the preferred car insurance rates and will most likely save when switching.

Consumers who fall outside the requirements will be charged more expensive rates with the end result being business going elsewhere. The trick companies use is to say “drivers that switch” not “everybody who quotes” save that much. That is how insurance companies can make it sound like they have such great premium rates.

Each company has different criteria, so it is so important to do a price quote comparison at every renewal. It is just not possible to predict which company will have the lowest rates.

Auto insurance coverage information

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

UM/UIM Coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2007 Jeep Liberty.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, falling objects, damage from flooding and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage – Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like loss of income, funeral expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like funeral costs, chiropractic care and nursing services. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. 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 coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage – This covers damage to your Liberty caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

More quotes. Lower rates.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price, but do not skimp to save money.

Throughout this article, we presented many tips how you can save on 2007 Jeep Liberty insurance. The key thing to remember is the more companies you get car insurance rates for, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. They can often provide lower car insurance rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

Cost effective 2007 Jeep Liberty insurance is definitely available both online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer the ability to get quotes online and usually these smaller providers only sell coverage through independent agents.

To learn more, feel free to browse the following helpful articles:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Drunk Driving Statistics (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)