It’s an obvious statement that car insurance companies want to keep you from comparing rates. Consumers who get comparison quotes at least once a year are likely to switch to a new company because there is a great chance of finding good coverage at a lower price. A recent study showed that drivers who shopped around annually saved over $865 annually compared to other drivers who never shopped for cheaper rates.
If finding the lowest price for car insurance in Chandler is your intention, learning how to compare auto insurance can save time and make the process easier.
To save the most money, the best way to get discount Jeep Liberty insurance in Chandler is to make a habit of comparing prices annually from insurance carriers who provide car insurance in Arizona. Prices can be compared by following these steps.
First, get a basic knowledge of what coverages are included in your policy and the measures you can take to prevent rate increases. Many risk factors that cause rate increases like your driving record and a negative credit score can be remedied by paying attention to minor details. Keep reading for ideas to get cheaper rates and get additional discounts that may have been overlooked.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can provide prices from multiple insurance companies. View prices
Third, compare the new rates to your current policy to determine if switching companies saves money. If you find a lower rate and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, notify your current company of your intention to cancel your current policy. Submit the required down payment along with the signed application for the new policy. As soon as you receive it, put the new proof of insurance paperwork with the vehicle registration.
The key thing to know about shopping around is that you’ll want to make sure you compare identical limits and deductibles on every quote request and to quote with every insurance company. This guarantees the most accurate price comparison and the best price selection.
If you have a policy now, you will definitely be able to buy cheaper insurance using the ideas presented in this article. Choosing the best rates in Chandler is quite easy if you know the best way to do it. But Arizona drivers do need to know the way companies price online insurance because rates are impacted by many factors.
Low Cost companies for Jeep Liberty insurance in Arizona
The companies shown below are ready to provide price quotes in Arizona. To buy cheap auto insurance in Chandler, it’s a good idea that you visit as many as you can to get the most competitive price.
Detailed insurance information
The data table shown below highlights different insurance costs for Jeep Liberty models. Having a better understanding of how auto insurance premiums are established can help drivers make decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Liberty Sport 2WD||$120||$228||$390||$24||$116||$878||$73|
|Liberty Limited 2WD||$138||$228||$390||$24||$116||$896||$75|
|Liberty Renegade 4WD||$138||$228||$390||$24||$116||$896||$75|
|Liberty Sport 4WD||$138||$228||$390||$24||$116||$896||$75|
|Liberty Limited 4WD||$138||$278||$390||$24||$116||$946||$79|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in vehicle location which can influence rates considerably.
Get More Affordable Insurance Rates by Understanding These Factors
Many different elements are used in the calculation when you get your auto insurance bill. Some factors are common sense like an MVR report, but some are less obvious such as your marital status or your vehicle rating. A large part of saving on auto insurance is knowing the different types of things that go into determining the rates you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower auto insurance prices.
The items below are a few of the things auto insurance companies consider when setting rates.
Continuous auto insurance coverage lowers prices – Having a gap between insurance policy dates is a quick way to drive up your policy premiums. In addition to paying higher rates, being ticketed for driving with no insurance can result in fines and jail time.
Your liability insurance limits – Liability insurance will protect you if ever you are ruled to be at fault for damages from an accident. Your liability coverage provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Save money with GPS tracking and theft deterrents – Choosing to buy a car with advanced anti-theft systems can get you a discount on your auto insurance. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all hinder car theft.
Pay more by driving carelessly – Attentive drivers tend to pay less for car insurance as compared to those with violations. Having a single speeding ticket or other violation can boost insurance rates by as much as thirty percent. Drivers who get license-revoking violations such as DWI, reckless driving or hit and run convictions are required to prove financial responsibility with their state DMV in order to keep their license.
The example below shows how speeding tickets and at-fault claims can drive up Jeep Liberty insurance premiums for different insured age categories. The data is based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
Lower-cost Jeep Liberty insurance rates in Chandler
The price of auto insurance can be rather high, but you may be missing some discounts that you may not know about. Certain discounts will be applied when you get a quote, but some may not be applied and must be specially asked for prior to getting the savings. If you do not double check each discount you deserve, you are paying more than you should be.
- Early Payment Discounts – If you can afford to pay the entire bill instead of paying each month you can avoid the installment charge.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
- Driver Training Discounts – Taking a driver safety class can save you 5% or more and easily recoup the cost of the course.
- Discount for Multiple Policies – If you can bundle your auto and homeowners insurance and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
- Renewal Discounts – Some companies provide a discount for switching policies prior to the expiration date on your current Liberty insurance policy. You can save around 10% with this discount.
- Theft Deterrent System – Cars equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Discounts for Multiple Vehicles – Drivers who insure multiple vehicles with the same company could earn a price break for each car.
- Organization Discounts – Having an affiliation with a civic or occupational organization in Chandler could qualify you for a break on your bill.
Don’t be shocked that some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky.
The diagram below visualizes the comparison of Jeep Liberty auto insurance rates with and without discounts being applied to the rates. The premiums assume a female driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision 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, homeowner, marriage, multi-policy, and claim-free discounts applied.
Larger car insurance companies and a summarized list of policyholder discounts are included below.
- Farm Bureau has discounts for renewal discount, multi-policy, youthful driver, driver training, safe driver, multi-vehicle, and 55 and retired.
- MetLife offers premium reductions for good student, multi-policy, good driver, claim-free, accident-free, defensive driver
- Progressive may offer discounts for good student, continuous coverage, multi-vehicle, online signing, homeowner, multi-policy, and online quote discount.
- AAA has savings for multi-policy, education and occupation, good driver, anti-theft, pay-in-full, multi-car, and good student.
- American Family policyholders can earn discounts including multi-vehicle, Steer into Savings, early bird, good driver, and mySafetyValet.
- GEICO offers discounts for good student, emergency military deployment, defensive driver, five-year accident-free, anti-theft, and multi-vehicle.
- State Farm may include discounts for driver’s education, Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, student away at school, multiple autos, and passive restraint.
If you need inexpensive Chandler car insurance quotes, ask each company to apply every possible discount. Savings may not be available in Chandler. If you would like to view companies that provide some of the discounts listed above in Arizona, follow this link.
Insurance is available from local insurance agents
Some people would prefer to get professional advice from a licensed agent and that is not a bad decision One of the great benefits of getting online price quotes is you may find cheap insurance quotes and still buy from a local agent.
For easy comparison, once you complete this quick form, your insurance data is sent to companies in Chandler who will give competitive quotes to get your business. It simplifies rate comparisons since you won’t have to leave your house since price quotes are sent instantly to you. You can find the lowest rates and a licensed agent to work with. If for some reason you want to compare prices from a specific insurance provider, you just need to go to their quote page to submit a rate quote request.
Picking the best provider shouldn’t rely on just the premium amount. These are some valid questions you should ask.
- Do they offer rental car reimbursement?
- Can they give you a list of client referrals?
- What are the financial ratings for the companies they represent?
- What will you get paid if your car is a total loss? How is that amount determined?
- Will the agent help in case of a claim?
- Do they offer claims assistance after hours?
- Are they able to influence company decisions when a claim is filed?
Compare but don’t skimp
Cost effective Jeep Liberty insurance is definitely available both online and from local agencies, so you should compare both to have the best selection. Some auto insurance companies do not offer online price quotes and usually these regional insurance providers work with independent agents.
While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. In many instances, an insured cut uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best possible price while still protecting your assets.
We just showed you many ways to compare Jeep Liberty insurance car insurance rates in Chandler. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper Chandler car insurance quotes. Consumers could even find that the best car insurance rates are with the smaller companies. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm or Progressive.