How to Save on Sacramento Jeep Liberty Insurance

It’s well known that auto insurance companies don’t want you to look for cheaper rates. Consumers who rate shop once a year are highly likely to switch to a new company because they have good chances of finding better rates. A study showed that consumers who shopped around every year saved $70 a month compared to those who never shopped around.

If saving money on auto insurance is why you’re reading this, then having a grasp of how to quote and compare auto insurance can help make the process easier.

The easiest way to find lower priced Jeep Liberty insurance in Sacramento is to make a habit of comparing prices annually from providers who sell auto insurance in California. Prices can be compared by completing these steps.

First, get an understanding of how car insurance works and the modifications you can make to prevent rate increases. Many rating criteria that result in higher rates such as speeding tickets, careless driving and an imperfect credit score can be rectified by paying attention to minor details. Keep reading for ideas to get affordable coverage and find hidden discounts.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while independent agents can provide rate quotes from multiple companies.

Third, compare the new rate quotes to your current policy premium to determine if you can save on Liberty insurance. If you find better rates and make a switch, verify that coverage does not lapse between policies.

The key thing to remember is that you use similar coverage information on each price quote and to quote with as many auto insurance providers as possible. Doing this helps ensure a level playing field and a thorough price selection.

You may qualify for discounts for Jeep Liberty insurance in Sacramento

Insurance is easily one of your largest bills, but companies offer discounts that could drop your premiums quite a bit. A few discounts will be applied at quote time, but lesser-known reductions have to be specifically requested before you get the savings.

• Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control are much safer to drive so you can save 10 percent or more.
• Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
• College Student Discount – College-age children who attend college more than 100 miles from Sacramento without a vehicle on campus could get you a discount.
• Senior Discount – Drivers over the age of 55 can get a discount up to 10%.
• Low Mileage – Maintaining low annual mileage could earn cheaper premium rates.
• Driving Data Discount – People who choose to allow their company to spy on their driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they show good driving skills.
• Discounts for Multiple Vehicles – Purchasing coverage when you have more than one vehicle with the same company can get a discount for every vehicle.
• No Claims – Insureds who avoid accidents and claims pay much less compared to bad drivers.
• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
• Home Ownership Discount – Just being a homeowner may earn you a small savings because maintaining a house is proof of financial responsibility.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will help lower the amount you have to pay.

The illustration below illustrates the comparison of Jeep Liberty premium costs with and without discounts applied to the premium. The premiums assume a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, claim-free, and multi-policy discounts applied.

Popular insurance companies and a selection of discounts are:

• State Farm policyholders can earn discounts including driver’s education, defensive driving training, student away at school, Drive Safe & Save, and accident-free.
• Nationwide may offer discounts for easy pay, defensive driving, anti-theft, family plan, Farm Bureau membership, multi-policy, and good student.
• GEICO offers discounts for membership and employees, anti-lock brakes, daytime running lights, five-year accident-free, federal employee, and military active duty.
• AAA has savings for multi-car, good student, good driver, anti-theft, and AAA membership discount.
• 21st Century has discounts for driver training, teen driver, early bird, student driver, air bags, automatic seat belts, and homeowners.
• The Hartford offers premium reductions for vehicle fuel type, defensive driver, good student, anti-theft, air bag, and driver training.

When comparing rates, check with each company the best way to save money. All car insurance discounts may not apply to policies in Sacramento. To choose providers that offer multiple discounts in California, click this link.

Free Sacramento Jeep Liberty insurance price quotes

To find the best auto insurance rates, there are several ways to compare rate quotes from local Sacramento auto insurance companies. The easiest way to lower the rate you pay for insurance is to jump online and get quotes.

Doing price comparisons online is so simple that it takes the place of having to drive around to and from local Sacramento insurance agencies. Comparing Jeep Liberty insurance rate quotes online makes this unnecessary unless you require the advice and guidance that only an agent can give. Drivers can comparison shop your insurance online and still use a local agent.

When comparison shopping, comparing all the rates in your area helps increase your odds of locating the best rates.

The companies shown below offer free quotes in Sacramento, CA. To find cheap car insurance in CA, it’s a good idea that you get price quotes from several of them to get the lowest price.

Jeep Liberty insurance charts and tables

The information shown next covers different insurance costs for Jeep Liberty models. Learning a little about how rate quotes are figured can help you make informed decisions when comparing rates.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in specific location information which can lower or raise coverage prices greatly.

Policy deductibles

When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The following insurance rates illustrate the rate differences of buying low and high deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Prices do not factor in garaging location in Sacramento which can decrease or increase coverage rates considerably.

Based on the figures above, using a $250 deductible will cost in the ballpark of $28 more each month or $336 a year than opting for the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 27 months between claims, you would more than likely save some money if you choose a higher deductible.

Liability only or full coverage

The information below shows the difference between Jeep Liberty premium costs with and without full coverage. The information is based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Should you be buying full coverage?

There is no written rule that is best for determining when to drop physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Jeep Liberty claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are paying in excess of $600 annually to have full coverage, then you might want to think about dropping full coverage.

There are some situations where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

Don’t I need to have guidance from a local insurance agent?

Certain consumers just prefer to get advice from a local agent and that can be a great decision One of the benefits of comparing rate quotes online is you may find lower rates and still have a local agent.

Upon completion of this form (opens in new window), your insurance coverage information is sent to participating agents in Sacramento who can give free rate quotes for your business. You never need to search for any insurance agencies due to the fact that quote results will go to you. You can get cheaper auto insurance rates AND an agent nearby. If you wish to compare rates from a specific company, feel free to jump over to their website and complete a quote there.

Picking the best provider should depend on more than just a cheap price quote. Some important questions to ask are:

• Does the agency have a positive business rating?
• How many years of experience in personal auto insurance do they have?
• Do they have 24-hour customer assistance?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do they review policy coverages at every renewal?
• What are the financial ratings for the companies they represent?
• How are claims handled?

If you are wanting to purchase auto insurance from a local Sacramento insurance agency, there are two different types of agents and how they work. Agents in Sacramento can be described as either independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agents

Agents in the exclusive channel generally can only insure with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive extensive training on their company’s products which aids in selling service over price.

Shown below are exclusive agents in Sacramento willing to provide rate quotes.

View more Sacramento agents

Independent Agents (or Brokers)

These agents are not employed by any specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and you can keep the same agent. When searching for an agent, we recommend you include independent agents for maximum quote selection.

Listed below are independent insurance agencies in Sacramento willing to provide rate quotes.

View more Sacramento agents

Get the best coverage at the lowest price

Low-cost Jeep Liberty insurance in Sacramento is definitely available online as well as from independent agents in Sacramento, and you need to price shop both in order to have the best chance of saving money. Some insurance providers don’t offer rates over the internet and most of the time these smaller companies sell through local independent agents.

Throughout this article, we presented a lot of tips how to compare Jeep Liberty insurance auto insurance rates in Sacramento. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from a lesser-known regional company. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.

Helpful learning opportunities

• Booster Seat Ratings (iihs.org)
• Who Has Affordable Sacramento Car Insurance Rates for Police Officers? (FAQ)
• What Car Insurance is Cheapest for a Kia Optima in Sacramento? (FAQ)
• What Insurance is Cheapest with Multiple Speeding Tickets in Sacramento? (FAQ)
• What is Covered by GAP Insurance? (Allstate)
• Medical Payments Coverage (Liberty Mutual)