Jeep Liberty Insurance Rate Quotes in Tampa

Insurance for Jeep LibertyIf saving the most money is your goal, then the best way to save money on Jeep Liberty insurance in Tampa is to do an annual price comparison from companies in Florida.

The key thing to remember is to use similar limits and deductibles on every price quote and and to get rate quotes from every insurance company. This ensures an apples-to-apples comparison and the best price selection.

It’s astonishing, but the vast majority of consumers have stayed with the same insurance company for more than four years, and nearly half have never quoted insurance rates at all. Drivers in Florida could save nearly $1,126 a year just by shopping around, but they underestimate the actual amount they would save if they switched.

The companies shown below offer comparison quotes in Florida. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.

Take policy discounts and save on Jeep Liberty insurance in Tampa

Car insurance is not inexpensive, but you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked for before you get the savings.Car insurance discounts

Policy discounts save money, but some credits don’t apply to the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

The chart below visualizes the comparison of Jeep Liberty auto insurance rates with and without discounts. The premium estimates are based on a male driver, no violations or claims, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, multi-policy, and claim-free discounts applied.

A list of car insurance companies and a summarized list of policyholder discounts can be read below.

When getting free Tampa car insurance quotes, it’s a good idea to each company to apply every possible discount. A few discounts might not be offered on policies in Tampa. To find providers that offer some of these discounts in Florida, click this link.

Jeep Liberty detailed coverage information

The table below covers a range of coverage costs for Jeep Liberty models. Being more informed about how car insurance prices are determined can be of help when making smart choices when selecting a coverage provider.

Jeep Liberty Insurance Rates in Tampa, FL
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
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Prices based on 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, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in vehicle location which can increase or decrease rates noticeably.

Analysis of deductible levels

One of the more difficult decisions when buying insurance is what deductibles to buy. The rates below lay out the rate difference when you select higher and lower comp and collision deductibles. The first rate estimation uses a $100 deductible and the second price table uses a $1,000 deductible.

Jeep Liberty insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $312 $532 $418 $24 $124 $1,435 $120
Liberty Limited 2WD $358 $532 $418 $24 $124 $1,481 $123
Liberty Renegade 4WD $358 $532 $418 $24 $124 $1,481 $123
Liberty Sport 4WD $358 $532 $418 $24 $124 $1,481 $123
Liberty Limited 4WD $358 $648 $418 $24 $124 $1,597 $133
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Jeep Liberty insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $174 $280 $418 $24 $124 $1,020 $85
Liberty Limited 2WD $200 $280 $418 $24 $124 $1,046 $87
Liberty Renegade 4WD $200 $280 $418 $24 $124 $1,046 $87
Liberty Sport 4WD $200 $280 $418 $24 $124 $1,046 $87
Liberty Limited 4WD $200 $342 $418 $24 $124 $1,108 $92
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can affect premium rates noticeably.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $36 more each month or $432 a year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 25 months between claims, you would save money if you choose a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): – $88
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Liability only or full coverage

The example below shows the difference between Jeep Liberty annual premium costs with full coverage and liability only. The premium estimates are based on no violations or claims, $100 deductibles, marital status is single, and no other discounts are factored in.

Guidelines for eliminating full coverage

There is no exact rule to delete physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Jeep Liberty claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after you pay the deductible. If premiums are more than $400 annually for full coverage, then it might be time to consider dropping full coverage.

There are a few situations where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Compare prices but buy from a local Tampa insurance agency

Many drivers still like to sit down and talk to an agent and doing that can be a smart decision Insurance agents will help you protect your assets and help in the event of a claim. A nice benefit of getting online price quotes is that drivers can save money and get lower rates but still work with a licensed agent.

Find insurance agent in TampaTo help locate an agent, after submitting this quick form, the quote information is immediately sent to local insurance agents in Tampa that provide free Tampa car insurance quotes and help you find cheaper coverage. You won’t need to do any legwork due to the fact that quote results will go to the email address you provide. If you wish to compare prices for a specific company, you can always go to their quote page and give them your coverage information.

Selecting an insurer needs to be determined by more than just a cheap price quote. Any agent in Tampa should be forthright in answering these questions:

If you’re trying to find a local Tampa insurance agency, there are two types of insurance agents and how they can quote your rates. Insurance agents may be either independent (non-exclusive) or exclusive. Both can insure your vehicles, but it’s worth learning the differences since it can impact your selection of an agent.

Exclusive Insurance Agents

Agents in the exclusive channel work for only one company and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are very knowledgeable on the products they sell and that can be a competitive advantage.

The following is a short list of exclusive agencies in Tampa that can give you price quotes.

2703 W Kennedy BlvdTampa, FL 33609(813) 259-1142View Map

11014 N Dale Mabry Hwy #501Tampa, FL 33618(813) 969-3331View Map

8910 N Dale Mabry Hwy #3Tampa, FL 33614(813) 935-2937View Map

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Independent Insurance Agencies

Independent agencies often have affiliation with several companies and that gives them the ability to insure through many different insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage which requires no work on your part. If you are comparing insurance prices, you should always include at a minimum one independent agency in order to have the best price comparison.

Listed below is a list of independent insurance agencies in Tampa that are able to give comparison quotes.

1010 W Cass StTampa, FL 33606(813) 926-0512View Map

5008 W Linebaugh AveTampa, FL 33624(813) 865-9000View Map

4229 W Kennedy BlvdTampa, FL 33609(813) 289-2277View Map

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If you get good feedback to these questions as well as a affordable price, it’s possible that you found an auto insurance agent that meets your needs to provide insurance coverage. Just understand that you are entitled to terminate your policy whenever you choose to so never feel that you are obligated to any specific agency for a certain time period.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that.Higher deductibles save money
For instance, these questions may help you determine if you could use an agent’s help.

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Lower Your Tampa Insurance Prices

Lots of factors are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, although others are less obvious such as your marital status and annual miles driven. Smart consumers have a good feel for the factors that are used to determine your premiums. When consumers understand what impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs.

The factors shown below are a partial list of the pieces companies use to determine your rates.

Costs go up with performance – The make and model of the car or truck you need to insure makes a huge difference in your rates. Economy passenger cars usually have the lowest rates, but the cost you end up paying is determined by many additional factors.

The following chart assumes a married male driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Jeep Liberty policy rates compared to other models that have a range of performance risks.

Gender impacts premiums – The statistics show females are less aggressive when driving. The data does not necessarily mean that men are worse drivers. Both sexes tend to get into auto accidents in similar numbers, but the males tend to have higher claims. Men also statistically receive more costly citations like DWI (DUI) or reckless driving. Young males cause the most accidents and therefore pay the highest rates.

The example below illustrates the difference between Jeep Liberty insurance costs for male and female drivers. The premiums assume no accidents or driving violations, full coverage, $100 deductibles, marital status is single, and no discounts are factored in.

Traffic violations hurt – Careful drivers tend to pay less for car insurance as compared to those with violations. Having just one speeding ticket may cause rates to rise by twenty percent. Drivers who get severe tickets such as DUI or willful reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to drive a vehicle legally.

The illustration below demonstrates how speeding tickets and at-fault collisions can affect Jeep Liberty car insurance rates for different ages of insureds. The rate quotes are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

The more you drive the more you pay – Driving more miles every year the higher your rate. The majority of insurers rate vehicles partially by how you use the vehicle. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance coverage reflects how each vehicle is driven, because improper ratings can cost you money. Having the wrong rating on your Liberty is just wasting money.

Do you have a demanding employer? – Occupations like doctors, airline pilots, and accountants usually pay the highest rates because of job stress and long work hours. Conversely, careers like professors, athletes and the unemployed generally pay rates lower than average.

Cheaper rates after marriage – Having a wife or husband may cut your premiums compared to being single. Marriage translates into being more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.

Adjust coverage deductibles and save – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a covered claim is submitted. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some coverage claims would be colliding with a stationary object, hail damage, and damage from wind. The higher the amount you are required to pay out-of-pocket, the less your insurance will be.

Why you need quality insurance for your Jeep Liberty

Despite the high cost, buying car insurance is required for several reasons.

The benefits of insuring your car are definitely more than the cost, specifically if you ever have a liability claim. The average driver in America overpays more than $810 a year so we recommend shopping around at least once a year to help ensure money is not being wasted.

Auto insurance company ratings

Choosing a high-quality insurance company can be rather challenging considering how many companies there are in Florida. The information shown next may help you analyze which coverage providers to look at to insure your vehicles.

Best Auto Insurance Companies in Tampa
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Shop around and save

Some companies don’t offer the ability to get quotes online and many times these regional insurance providers only sell through independent agents. Cheap Jeep Liberty insurance in Tampa is available on the web and with local Tampa insurance agents, so you should compare both to have the best selection.

As you shop your coverage around, you should never buy less coverage just to save a little money. There are many occasions where an insured dropped full coverage and learned later that the small savings ended up costing them much more. Your goal is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

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