Compare 2009 Jeep Liberty Car Insurance Rates

Looking for better insurance coverage rates for your Jeep Liberty? Paying for high-priced Jeep Liberty insurance can deplete your personal savings and force you to make sacrifices. Comparing rates annually is recommended to make ends meet.

Companies like Progressive, State Farm and Geico all claim big savings with TV and radio ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It’s a good habit to shop coverage around as often as possible because rates change frequently. If you had the best deal on Liberty insurance a year ago you can probably find a better price now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the best way to find great coverage at a great price.

If you are insured now or need new coverage, you can use these techniques to reduce the price you pay while maintaining coverages. Finding affordable coverage is quite easy. Consumers just need to understand how to compare price quotes online.

How to get affordable auto insurance

There are a lot of ways you can shop for auto insurance but one way is more efficient than others. You can spend your afternoon talking to insurance agencies in your area, or you could use online quoting to quickly compare rates.

Many companies are enrolled in a marketplace where insurance shoppers send in one quote, and each participating company can give them a price based on that information. This eliminates the need for form submissions for each company you want a rate for.

To enter your information into the quoting system, click here to start a free quote.

The only downside to pricing coverage this way is you can’t choose which companies you want to price. So if you want to choose individual companies to compare, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, do your best to use apples-to-apples coverage data for each price quote. If the quotes have different values for each quote you will not be able to make a fair rate comparison.

Discounts to earn cheap car insurance rates

Some companies don’t always advertise every discount very clearly, so the list below contains some of the more common and the more hidden discounts that you may qualify for. If they aren’t giving you every credit available, you are not getting the best rate possible.

  • Discount for Low Mileage – Driving less may allow you to get discounted car insurancerates on garaged vehicles.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings on your next renewal.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Discount for Home Ownership – Owning your own home or condo can save you money since owning and maintaining a home is proof that your finances are in order.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and can earn a small discount on your policy.
  • No Charge for an Accident – Not necessarily a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge as long as you don’t have any claims for a set time period.

Consumers should know that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, car insurance companies aren’t that generous.

A few popular companies and some of the discounts can be found below.

  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, multi-policy, homeowner, and continuous coverage.
  • Farmers Insurance includes discounts for youthful driver, business and professional, electronic funds transfer, mature driver, early shopping, and pay in full.
  • Farm Bureau has savings for multi-policy, safe driver, good student, youthful driver, driver training, 55 and retired, and multi-vehicle.
  • State Farm discounts include multiple autos, Steer Clear safe driver discount, defensive driving training, accident-free, multiple policy, student away at school, and good student.
  • Geico has discounts for anti-theft, good student, seat belt use, daytime running lights, and multi-vehicle.
  • SAFECO may include discounts for anti-theft, accident prevention training, drive less, multi-car, teen safe driver, anti-lock brakes, and homeowner.
  • Liberty Mutual offers discounts for hybrid vehicle, teen driver discount, newly retired, new vehicle discount, good student, preferred payment discount, and safety features.

When getting a coverage quote, ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you will benefit from professional help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is business equipment covered while in my vehicle?
  • Does medical payments coverage apply to all occupants?
  • Should I waive the damage coverage when renting a car?
  • Which is better, split liability limits or combined limits?
  • Should I buy full coverage?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Learn about auto insurance coverages for a 2009 Jeep Liberty

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverages – This coverage will cover injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like funeral expenses, structural damage, attorney fees, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive coverages – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, theft, hail damage, a tree branch falling on your vehicle and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2009 Jeep Liberty.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like chiropractic care, EMT expenses, hospital visits and doctor visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Feed the piggy bank

We covered quite a bit of information on how to lower your 2009 Jeep Liberty insurance prices. The most important thing to understand is the more quotes you get, the higher your chance of finding the cheapest insurance coverage. Consumers may even find the biggest savings come from an unexpected company. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut collision coverage to discover at claim time they didn’t have enough coverage. Your goal is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

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Comments About 2009 Jeep Liberty Insurance

  1. Nicol Campbell

    I can’t pay high rates. I live in a small town just outside of Hilo, Hawaii. Got car insurance rates from AIG Insurance, Sentry, and a few others for my Liberty and saved just over $120 a year. Teenage drivers are expensive!

  2. Meaghan Michael

    If you have a good history and live in the vicinity of Wichita, KS, check out 21st Century. They seem to be cheaper. Got better coverage too.

  3. Farah Logan

    If you don’t have tickets and live near Fairbanks, AK, check out 21st Century. You might save some money. It never hurts to quote around.

  4. Darnell Christensen

    Thanks for putting this site together. Live in Chesapeake, VA. Don’t remember every company but I ended up saving about $40 each month. Insured with Nationwide before. I used their online quote form to compare rates.

  5. Lacy Huffman

    Lots of useful info here. Found cheapest coverage with Esurance for my Jeep and saved about $510 a year. Left Esurance to switch.

  6. Maxwell Brewer

    I compared a lot of rate quotes for a 2009 Jeep Liberty in Charleston, WV. Ended up at right around $390 every six months with American Family. I recommend comparing lots of rates.

  7. Tamera Wooten

    If you have a clean record and live around Nashua, New Hampshire, check out 21st Century. You might get cheaper rates. Hopefully won’t need it.

  8. Rikki Petersen

    It all costs too much. I live east of Baton Rouge, LA. I don’t recall every quote but I ended up saving about $50 each month. I’m a pretty low risk driver.

  9. Augustine Combs

    I’m looking for cheaper coverage. I live in Lexington, KY. I don’t recall every quote but I ended up saving about $20 each month. Was with MetLife. Did it all online.

  10. Marion Holland

    If you have a clean record and live in the vicinity of Fort Wayne, IN, check out State Farm. They seem to be cheaper. My new agent seems to be really good. Get lots of quotes to find the best rate.

  11. Wai Franklin

    I live just outside Mobile, AL. I quoted with MetLife, Farmers, Progressive, and AAA for my Jeep and saved just over $330 a year. Left American Family to switch. Switched homeowners coverage too. Are quotes cheaper online?

  12. Sanjuana Hutchinson

    It all costs too much. From a town just southwest of Cincinnati, OH. Quoted quotes from AIG Insurance, Sentry, and USAA for my Jeep and I’m now saving $65 a month. Ask about discounts.

  13. Tyron Huber

    Mine is so expensive. From northwest of Nashville, Tennessee. Quoted with American Family, Sentry, and some smaller one I can’t remember the name of for my Jeep and saved just over $480 a year.

  14. Sam Underwood

    Checking in from Provo, UT, and 21st Century rates were best. Moved home policy as well. I got a quote from their website.

  15. Elidia Pennington

    I went with State Farm at renewal. Best rates in New Haven, CT.