Want to learn how to save money and find lower-priced Jeep Liberty insurance in Jacksonville? Did a good deal turn out to be an under-performing, overpriced car insurance policy? Don’t sweat it because many Jacksonville consumers feel financially strained by their car insurance policy.
It’s safe to conclude that auto insurance companies want to keep you from shopping around. Insureds who get price quotes annually are likely to switch car insurance companies because there is a good probability of finding a lower rate. A survey found that drivers who compared rates regularly saved on average $865 a year compared to policyholders who never shopped around for better prices.
If saving the most money on Jeep Liberty insurance in Jacksonville is why you’re reading this, then knowing how to find and compare auto insurance can make it easier to find better rates.
Steps to buying low-cost Jeep Liberty insurance in Jacksonville
To save the most money, the best way to get more affordable Jeep Liberty insurance in Jacksonville is to start comparing prices regularly from providers that sell auto insurance in Florida. Prices can be compared by following these steps.
- Try to comprehend how insurance companies determine prices and the things you can change to prevent expensive coverage. Many factors that result in higher prices such as traffic citations, accidents, and a low credit score can be remedied by making lifestyle changes or driving safer.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO and State Farm, while independent agents can provide rate quotes from multiple companies. View rates
- Compare the new rates to your existing rates to determine if switching companies saves money. If you can save some money and change companies, ensure there is no coverage lapse between policies.
An important note is that you’ll want to make sure you compare similar limits and deductibles on every quote request and and to compare as many different insurance providers as possible. This helps ensure a level playing field and and a good selection of different prices.
Having so many options when it comes to car insurance, it is very difficult to locate a lower cost insurance company.
You should take the time to do rate comparisons every six months since prices change frequently. Just because you found the best rates on Jeep Liberty insurance in Jacksonville at your last renewal there is a good chance you can find better premium rates now. You can find a lot of misleading information regarding Liberty insurance online but in a few minutes you can learn the easiest ways to lower your car insurance premiums.
We hope to teach you a little about the best methods to compare rates and how you can save the most money. If you have a policy now, you will most likely be able to reduce the price you pay using these techniques. Vehicle owners only need to know the least time-consuming way to compare company rates from many different companies.
Compare free Jacksonville Jeep Liberty insurance price quotes
Getting a more affordable price on Jeep Liberty insurance doesn’t have to be difficult. You just have to invest a few minutes comparing free Jacksonville car insurance quotes provided by online insurance companies.
Getting rates online is very simple and it takes the place of having to spend time driving to insurance agents’ offices. Comparing online rate quotes eliminates the middleman unless your situation requires the trained advice that can only be provided by a licensed insurance agent. You can, however, obtain prices from the web and have a local agent actually service the policy.
The companies in the list below can provide quotes in Florida. If multiple providers are shown, we suggest you visit two to three different companies to get the most affordable price.
Why you need quality insurance for your Jeep vehicle
Despite the high cost, insurance is required in Florida but also provides important benefits.
First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability coverage if you don’t want to risk a ticket. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Liberty has a lienholder, almost all lenders will require that you buy insurance to protect their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Jeep for a lot more money and make you pay the higher price.
Third, insurance protects both your assets and your Jeep. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance will also pay to defend you if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the cost, especially if you ever need it. According to a 2015 survey, the average American driver overpays more than $820 a year so it’s recommended you shop around at every renewal to ensure rates are competitive.
Car insurance analysis for a Jeep Liberty
The price information shown next highlights different prices for Jeep Liberty models. Learning more about how prices are figured can assist in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $268 | $548 | $472 | $28 | $142 | $1,458 | $122 |
| Liberty Limited 2WD | $308 | $548 | $472 | $28 | $142 | $1,498 | $125 |
| Liberty Renegade 4WD | $308 | $548 | $472 | $28 | $142 | $1,498 | $125 |
| Liberty Sport 4WD | $308 | $548 | $472 | $28 | $142 | $1,498 | $125 |
| Liberty Limited 4WD | $308 | $668 | $472 | $28 | $142 | $1,618 | $135 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in Jacksonville location which can affect price quotes noticeably.
Deductible analysis
When shopping for car insurance, a common question is at what level do you set your deductibles. The following insurance rates help summarize the difference in cost of buying low and high insurance deductibles. The first rate comparisons uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $280 | $446 | $418 | $24 | $124 | $1,317 | $110 |
| Liberty Limited 2WD | $322 | $446 | $418 | $24 | $124 | $1,359 | $113 |
| Liberty Renegade 4WD | $322 | $446 | $418 | $24 | $124 | $1,359 | $113 |
| Liberty Sport 4WD | $322 | $446 | $418 | $24 | $124 | $1,359 | $113 |
| Liberty Limited 4WD | $322 | $544 | $418 | $24 | $124 | $1,457 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $228 | $360 | $418 | $24 | $124 | $1,154 | $96 |
| Liberty Limited 2WD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Liberty Renegade 4WD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Liberty Sport 4WD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Liberty Limited 4WD | $262 | $438 | $418 | $24 | $124 | $1,266 | $106 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower premiums significantly.
Based on these figures, using a $250 deductible will cost you roughly $14 more each month or $168 for a full year than choosing the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 18 months between claim filings, you would probably come out ahead if you decide on a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $114 |
| Average monthly premium for $500 deductibles (subtract): | – $100 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One thing to note is that a higher deductible level means you will have to pay more of your own money when you have a physical damage claim. It will be required that you have enough money stashed away in the event you need to pay the higher deductible in order to repair your vehicle.
Careless driving habits raise Jacksonville car insurance rates
The diagram below demonstrates how citations and at-fault accidents can impact Jeep Liberty insurance prices for each age group. The rate quotes are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.
Discount Jacksonville insurance quotes
Car insurance companies do not list every discount available in a way that’s easy to find, so the list below gives a summary of both the well known and also the more inconspicuous ways to save on insurance.
- Early Switch Discount – Some companies reward drivers for signing up prior to your current Liberty insurance policy expiration. It could save around 10% when you buy Jacksonville car insurance online.
- Payment Method – By paying your entire bill at once instead of making monthly payments you may reduce your total bill.
- Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems help deter theft and will save you 10% or more on Liberty insurance in Jacksonville.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
- Good Student Discount – Performing well in school may save you up to 25%. This discount can apply well after school through age 25.
- Anti-lock Brake System – Cars with ABS braking systems or traction control can reduce accidents and will save you 10% or more on Liberty insurance in Jacksonville.
Consumers should know that many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck.
The chart below illustrates the comparison of Jeep Liberty insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, a clean driving record, no at-fault accidents, Florida 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 homeowner, multi-car, marriage, claim-free, multi-policy, and safe-driver discounts applied.
A few companies who may offer most of these discounts may include but are not limited to:
It’s a good idea to ask all the companies which credits you are entitled to. Depending on the company, some discounts may not be offered everywhere. To see insurance companies who offer online Jeep Liberty insurance quotes in Jacksonville, click here.
Do I need an agent?
Many drivers just want to sit down and talk to an agent and often times that is recommended Good insurance agents can help you build your policy and help in the event of a claim. A nice benefit of price shopping on the web is you can get cheap rate quotes and also buy local. Supporting local insurance agents is important especially in Jacksonville.
For easy comparison, once you complete this simple form, your insurance data gets sent to local insurance agents in Jacksonville who will gladly provide quotes for your insurance coverage. You won’t even need to do any legwork because quoted prices will be sent to the email address you provide. If you wish to compare rates for a specific company, you can always go to their quote page to submit a rate quote request.
If you are wanting to purchase car insurance from a reputable insurance agent or broker, it can be helpful to understand the types of agencies and how they work. Car insurance agents in Jacksonville are categorized either independent or exclusive depending on the company they work for. Both types of agents can sell car insurance policies, but it’s a good idea to understand the subtle differences since it may influence which type of agent you select.
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company so they can quote policies amongst many companies and potentially find a lower price. If they find a cheaper price, your agent can switch companies which requires no work on your part. If you are comparing car insurance prices, you will want to compare prices from a couple of independent agencies to have the most options to choose from.
Shown below is a small list of independent agents in Jacksonville that may be able to give you free car insurance rate quotes.
Contemporary Affordable Insurance Agency
212 E Forsyth St – Jacksonville, FL 32202 – (904) 350-0014 – View Map
Frye Insurance Agency, Inc.
1851 University Blvd S – Jacksonville, FL 32216 – (888) 812-2985 – View Map
Erwin Insurance, LLC
841 Prudential Drive, 12th Floor – Jacksonville, FL 32207 – (904) 764-7531 – View Map
Exclusive Car Insurance Agencies
Exclusive agents normally can only provide a single company’s rates like Allstate, State Farm and Farmers Insurance. These agents are not able to provide other company’s prices so you might not find the best rates. Exclusive agencies receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates.
Shown below are exclusive agents in Jacksonville that can give you price quotes.
Kim Lego – State Farm Insurance Agent
13820 Old St Augustine Rd #401 – Jacksonville, FL 32258 – (904) 268-9900 – View Map
Allstate Insurance, John Crowell Agency
9700 Philips Hwy #109 – Jacksonville, FL 32256 – (904) 538-9440 – View Map
Randy Taylor – State Farm Insurance Agent
3041 Monument Rd #1 – Jacksonville, FL 32225 – (904) 642-2400 – View Map
Finding the right car insurance agent should depend on more than just the price. Get answers to these questions too.
- Where would your vehicle be repaired?
- Do they assist clients in filing claims?
- Are they in the agency full-time?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they get paid more for recommending certain coverages?
- Is the agent and/or agency licensed to do business in Florida?
Upon getting good responses as well as a price you’re happy with, you may have found a car insurance agent that can properly insure your vehicles.
How to know if you need help
When it comes to buying adequate coverage, there really is no single plan that fits everyone. Your situation is unique.
Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.
- Can my babysitter drive my car?
- When does my teenage driver need to be added to my policy?
- Do I need rental car coverage?
- Does my personal policy cover me when driving out-of-state?
- What is PIP insurance?
- Should I pay a claim out-of-pocket?
- If I drive on a suspended license am I covered?
- Am I insured when driving a different vehicle?
- Can I afford low physical damage deductibles?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.
Don’t give up on cheap premiums
As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best cost while not skimping on critical coverages.
You just read a lot of ways to get a better price on Jeep Liberty insurance in Jacksonville. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable Jacksonville car insurance quotes. You may even discover the lowest prices are with a lesser-known regional company.
Affordable Jeep Liberty insurance in Jacksonville is available both online in addition to many Jacksonville insurance agents, so you need to quote Jacksonville car insurance with both in order to have the best price selection to choose from. Some auto insurance companies may not offer rates over the internet and many times these smaller companies sell through independent insurance agents.
Steps to finding the cheapest rates for Jeep Liberty insurance in Jacksonville
The recommended way to find more affordable Jeep Liberty insurance in Jacksonville is to compare prices at least once a year from providers that sell auto insurance in Florida.
Step 1: Try to understand how auto insurance works and the changes you can make to keep rates down. Many policy risk factors that cause rate increases such as traffic violations and an imperfect credit rating can be amended by making lifestyle changes or driving safer.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can provide prices from multiple sources.
Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate. If you can save some money and change companies, make sure there is no lapse in coverage.
Step 4: Provide notification to your current agent or company to cancel your current auto insurance policy and submit the application along with any required down payment to the new company. Once coverage is bound, place your new proof of insurance certificate somewhere easily accessible.
The key thing to know about shopping around is to make sure you enter the same coverage limits and deductibles on each quote and and to analyze as many different companies as possible. Doing this provides the most accurate price comparison and the best price selection.
More tips and info about auto insurance can be found in the articles below:
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has the Cheapest Jacksonville Auto Insurance Rates for a Chevrolet Equinox? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Good Students in Jacksonville? (FAQ)
- How Much is Jacksonville Auto Insurance for a Ford Escape? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Keeping Children Safe in Crashes Video (iihs.org)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)