2008 Jeep Liberty Insurance Rates – 10 Tips to Save

Sick and tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than many other consumers. There are many auto insurance companies to choose from, and though it is a good thing to have a choice, it can be more challenging to compare rates and cut insurance costs.

It’s important to check insurance coverage prices on a regular basis because rates tend to go up over time. Just because you found the lowest rates on Liberty coverage a couple years back there is a good chance you can find better rates now. Starting now, ignore everything you know about insurance coverage because you’re going to learn the easiest way to properly buy coverages and cut your premium.

Finding affordable coverage is not rocket science. If you have insurance now or are looking for a new policy, you will benefit by learning to find the best rates and possibly find even better coverage. Consumers just need to understand the proper way to compare prices over the internet.

Quick Car Insurance Quotes

Lowering your 2008 Jeep Liberty car insurance rates is not rocket science. Just take a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

One of the best ways consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing multiple quote forms for every car insurance company. In just a few minutes this one form gets you price quotes from several companies.
A harder way to get quotes online consists of visiting each company website to complete their respective quote request forms. For instance, let’s say you want to compare rates from Allstate, Esurance and Farmers. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using identical coverages for each comparison quote. If you compare different deductibles it’s impossible to determine which rate is truly the best.

Get lower rates on Jeep Liberty insurance

Car insurance companies don’t list every available discount in a way that’s easy to find, so we break down some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Liberty coverage than less cautious drivers.
Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
Low Mileage – Keeping the miles down on your Jeep can qualify you for a substantially lower rate.
Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
Service Members Pay Less – Having a family member in the military can result in better rates.
Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Government Employees – Being employed by or retired from a federal job may qualify you for a discount on Liberty coverage depending on your company.
Senior Citizens – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Liberty coverage.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine if your situation could use an agent’s help.

Is pleasure use cheaper than using my 2008 Jeep Liberty to commute?
Are rock chip repairs covered?
What companies insure drivers after a DUI or DWI?
Am I covered if hit by an uninsured driver?
What if I owe more than I can insure my car for?
How high should my uninsured/underinsured coverage be in my state?
Does my personal policy cover me when driving out-of-state?
Which is better, split liability limits or combined limits?
When should my teen driver be added to my policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance coverage specifics

Learning about specific coverages of car insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from car insurance companies.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Jeep Liberty.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability car insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as emergency aid, structural damage, loss of income, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, EMT expenses, doctor visits and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, fire damage, a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision coverage covers damage to your Liberty caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.