Best Ways to Save on San Antonio Jeep Liberty Insurance

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Discount Jeep Liberty insuranceWould you prefer to buy more competitive auto insurance rates in San Antonio, TX? San Antonio shoppers have a choice when shopping for the lowest priced Jeep Liberty insurance. They can either spend hours contacting agents getting price quotes or use the internet to find the lowest rates. There are both good and bad ways to find auto insurance online and we'll show you the quickest way to price shop coverage for your Jeep and find the lowest price either online or from San Antonio insurance agents.

It's a good idea to compare prices quite often because insurance prices change frequently. If you had the best deal on Jeep Liberty insurance in San Antonio on your last policy a different company probably has better rate quotes today. There is a lot of bad information regarding Liberty insurance on the web, but I'm going to show you some tested techniques to buy auto insurance cheaper in San Antonio.

All major insurance companies allow you to get prices for coverage direct online. Doing online quotes for Jeep Liberty insurance in San Antonio can be done by anyone as you just enter your coverage information as detailed in the form. Behind the scenes, their quoting system requests credit information and your driving record and generates pricing information based on these and other factors.

This simplifies rate comparisons, and it's absolutely necessary to compare as many rates as possible if you are searching for the most affordable premium possible.

To compare rates now, compare quotes from the companies shown below. To compare your current rates, we recommend you copy the limits and deductibles as close as possible to your current policy. This guarantees you are getting comparison quotes for similar coverage.

The companies shown below provide free quotes in Texas. If the list has multiple companies, we suggest you visit two to three different companies in order to get a fair rate comparison.

Rates and detailed analysis

The premium table shown next highlights detailed analysis of policy rates for Jeep Liberty models. Having knowledge of how car insurance premiums are established is important for making smart choices when purchasing an insurance policy.

Jeep Liberty Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $252 $468 $462 $28 $138 $1,348 $112
Liberty Limited 2WD $288 $468 $462 $28 $138 $1,384 $115
Liberty Renegade 4WD $288 $468 $462 $28 $138 $1,384 $115
Liberty Sport 4WD $288 $468 $462 $28 $138 $1,384 $115
Liberty Limited 4WD $288 $570 $462 $28 $138 $1,486 $124
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in specific garaging location which can modify premiums significantly.

Comparison of policy deductibles

When comparing insurance rates, the most common question is the level to set your comp and collision deductibles. The figures shown below summarize the differences in premium rates when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Jeep Liberty insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $256 $408 $382 $22 $114 $1,207 $101
Liberty Limited 2WD $294 $408 $382 $22 $114 $1,245 $104
Liberty Renegade 4WD $294 $408 $382 $22 $114 $1,245 $104
Liberty Sport 4WD $294 $408 $382 $22 $114 $1,245 $104
Liberty Limited 4WD $294 $496 $382 $22 $114 $1,333 $111
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Jeep Liberty insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $208 $328 $382 $22 $114 $1,054 $88
Liberty Limited 2WD $240 $328 $382 $22 $114 $1,086 $91
Liberty Renegade 4WD $240 $328 $382 $22 $114 $1,086 $91
Liberty Sport 4WD $240 $328 $382 $22 $114 $1,086 $91
Liberty Limited 4WD $240 $400 $382 $22 $114 $1,158 $97
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific zip code location which can raise or lower coverage rates significantly.

Based on these figures, using a $250 deductible costs roughly $13 more each month or $156 for a full year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 19 months between claim filings, you would save more money if you opt for a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $105
Average monthly premium for $500 deductibles (subtract): - $92
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One big caveat is that raising deductibles means you pay more out-of-pocket when you have a comprehensive or collision claim. You should have enough disposable savings in order to pay more to get your vehicle repaired.

Educated Choices Result in Lower Insurance Costs

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that help calculate the price you pay for car insurance. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to better car insurance rates.

  • Teenagers are high risk - Drivers with little experience are statistically proven to get distracted easily behind the wheel therefore car insurance rates are much higher. Older drivers are more cautious drivers, tend to file fewer claims, and tend to be get fewer driving tickets.

    The next chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Rates increase with driving citations - Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers who don't get tickets pay less for auto insurance as compared to those with violations. Even a single speeding ticket or other violation may cause rates to rise to the point where it's not affordable. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence may find they need to prove financial responsibility with their state's licensing department in order to continue driving.

    The diagram below demonstrates how traffic citations and at-fault claims increase Jeep Liberty auto insurance rates for different age groups of insureds. The data assumes a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

  • Multi-policy discounts can save money - Most companies allow lower prices to buyers that purchase more than one policy. It's known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even with this discount, it's always a smart idea to comparison shop to guarantee you are still saving the most. Drivers may still save more without the discount by buying insurance from more than one company.
  • Fast cars cost more to insure - The make and model of the car or truck you need to insure makes a substantial difference in your auto insurance rates. Small economy passenger cars usually have the lowest rates, but other factors influence the final cost greatly.

    The next chart uses these variables: married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Jeep Liberty rates compared to other models of vehicles that have a range of performance rating factors.

  • Save by driving safer vehicles - Vehicles with good safety scores can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less claims paid and thus lower rates. If your Jeep has at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Drivers with responsible credit save - An insured's credit history can be a huge factor in determining what you pay. Therefore, if your credit history can be improved, you could save money insuring your Jeep Liberty by taking the time to improve your credit score. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit ratings.

Auto insurance does more than just repair your car

Despite the potentially high cost of Jeep Liberty insurance, buying auto insurance may not be optional for several reasons.

First, most states have minimum liability requirements which means the state requires specific minimum amounts of liability insurance coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your vehicle, more than likely the lender will require you to have full coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Jeep for a lot more money and require you to reimburse them the higher price.

Third, auto insurance protects not only your vehicle but also your financial assets. It will also pay for all forms of medical expenses that are the result of an accident. Liability coverage also covers legal expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of carrying enough insurance more than offset the price you pay, especially when you need to use it. Today the average American driver is overpaying more than $865 each year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.