Auto Insurance Quotes for a Jeep Liberty in Montgomery

Discount Jeep Liberty insuranceHas it been a year or more since you last compared quotes for lower-priced Jeep Liberty insurance in Montgomery? Vehicle owners who are new to comparing insurance rates on the internet may discover locating low cost Jeep Liberty insurance is harder than it needs to be.

Unbelievable but true according to a study nearly 70% of customers renewed their policy with the same company for more than four years, and approximately 40% of consumers have never compared auto insurance rates at all. Most drivers in Alabama could pocket almost 40% a year by just shopping around, but they don't want to take the time to go online and compare rates.

If you're already insured, you stand a good chance to be able to find the best rates using the concepts covered in this article. Quoting and comparing the lowest cost coverage in Montgomery is easy to do. But Alabama vehicle owners need to have an understanding of how companies determine prices and use it to find better rates.

Best companies for Jeep Liberty insurance

The providers in the list below have been selected to offer comparison quotes in Alabama. If the list has multiple companies, we recommend you compare several of them to find the most competitive car insurance rates.

Jeep Liberty Insurance Costs in Montgomery, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $248 $496 $408 $24 $122 $1,298 $108
Liberty Limited 2WD $206 $286 $344 $20 $102 $958 $80
Liberty Renegade 4WD $250 $422 $382 $22 $114 $1,190 $99
Liberty Sport 4WD $252 $354 $344 $20 $102 $1,072 $89
Liberty Limited 4WD $250 $514 $354 $20 $106 $1,244 $104
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in specific zip code location which can affect prices considerably.

Car insurance deductibles

One of the most common car insurance questions is how high should the deductibles for physical damage be. The following tables help summarize the rate difference between high and low policy deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Jeep Liberty insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $228 $360 $338 $20 $100 $1,071 $89
Liberty Limited 2WD $260 $360 $338 $20 $100 $1,103 $92
Liberty Renegade 4WD $260 $360 $338 $20 $100 $1,103 $92
Liberty Sport 4WD $260 $360 $338 $20 $100 $1,103 $92
Liberty Limited 4WD $260 $440 $338 $20 $100 $1,183 $99
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Jeep Liberty insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $184 $292 $338 $20 $100 $934 $78
Liberty Limited 2WD $212 $292 $338 $20 $100 $962 $80
Liberty Renegade 4WD $212 $292 $338 $20 $100 $962 $80
Liberty Sport 4WD $212 $292 $338 $20 $100 $962 $80
Liberty Limited 4WD $212 $354 $338 $20 $100 $1,024 $85
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in Montgomery location which can modify premium rates greatly.

Based on the data above, we can derive that using a $250 deductible costs approximately $12 more each month or $144 every year than choosing the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have more than 21 months between claim filings, you would come out ahead if you elect the higher deductible.

Does full coverage make sense?

The information below illustrates the comparison of Jeep Liberty car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Alabama. The rate quotes are based on no claims or driving citations, $500 deductibles, single male driver, and no discounts are taken into consideration.

When to buy liability coverage only

There is no definitive guideline that is best for determining when to drop full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let's pretend your Jeep Liberty replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If premiums are more than $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are a few situations where dropping physical damage coverage is not advised. If you haven't paid off your loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Discounts mean cheaper rates for Jeep Liberty insurance in Montgomery

Some insurers don't list all their discounts in a way that's easy to find, so the list below details both well-publicized as well as some of the hidden car insurance savings.

A quick disclaimer, most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, insurance companies wouldn't stay in business.

Companies and some of their more popular discounts can be found below.

Before purchasing a policy, check with each company or agent what discounts are available to you. Depending on the company, some discounts may not apply to policies in Montgomery. If you would like to see a list of providers who offer free Jeep Liberty insurance quotes in Montgomery, click this link.

You may need specialized car insurance coverage

Keep in mind that when it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone's situation is a little different.

These are some specific questions might help in determining whether or not you would benefit from professional advice.

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Compare rate quotes but still have a local neighborhood Montgomery car insurance agent

Some people prefer to talk to an insurance agent and that is OK! One of the benefits of comparing rates online is that drivers can save money and get lower rates and still choose a local agent.

Insurance agents in MontgomeryTo find an agent, once you fill out this simple form, your information is instantly submitted to participating agents in Montgomery that can give you free Montgomery car insurance quotes for your insurance coverage. It makes it easy because there is no need to even leave your home due to the fact that quote results will go to you instantly. You'll get the best rates and a licensed agent to talk to. If you need to get a price quote from a specific company, you just need to jump over to their website and give them your coverage information.

Selecting an provider is decision based upon more than just a low price. These are some questions your agent should answer.

If you're trying to find a local Montgomery insurance agency, there are a couple of different agency structures and how they can quote your rates. Car insurance policy providers can be described as either exclusive or independent (non-exclusive).

Exclusive Car Insurance Agents

Agents that elect to be exclusive can only provide pricing for a single company and some examples include Allstate, State Farm and Farmers Insurance. These agents are unable to shop your coverage around so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are very knowledgeable in insurance sales which helps overcome the inability to quote other rates. Some consumers prefer to use the same exclusive agent mostly because of the brand name rather than low rates.

Shown below is a list of exclusive insurance agents in Montgomery who can help you get comparison quotes.

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Independent Car Insurance Agencies

These type of agents are not restricted to one company so they can insure your vehicles with an assortment of companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move the coverage in-house and you don't have to do anything. When comparing rates, it's recommended you get some free quotes from at a minimum one independent agency so that you can do a thorough price comparison. Most can insure with companies that do not advertise much that many times have cheaper rates.

Shown below are independent agents in Montgomery willing to provide price quote information.

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Affordable insurance premiums are possible

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. In too many instances, someone sacrificed uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at an affordable rate, but don't skip important coverages to save money.

Insureds leave their current company for any number of reasons including unfair underwriting practices, delays in paying claims, poor customer service and policy cancellation. Regardless of your reason for switching companies, finding the right insurance provider can be pretty painless.

Some companies may not offer the ability to get quotes online and these smaller companies only sell through local independent agencies. Lower-priced insurance in Montgomery is possible from both online companies and with local Montgomery insurance agents, so you should be comparing quotes from both to get a complete price analysis.

Additional insurance information can be read at the links below