Compare Jeep Liberty Insurance Quotes in Plano

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Insurance quote for Jeep Liberty in PlanoReally, the only way to find discount Jeep Liberty insurance in Plano is to start doing an annual price comparison from providers who sell insurance in Texas. Price quotes can be compared by completing these steps.

Step 1: Spend a few minutes and learn about car insurance and the measures you can take to keep rates in check. Many risk factors that increase rates such as your driving record and a less-than-favorable credit score can be eliminated by making lifestyle changes or driving safer. Read the full article for tips to prevent high prices and get discounts that may be overlooked.

Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO or State Farm, while agents who are independent can provide prices from multiple insurance companies.

Step 3: Compare the new rates to the price on your current policy and determine if cheaper Liberty coverage is available in Plano. If you find better rates, make sure coverage is continuous and does not lapse.

Step 4: Give notification to your current company of your intention to cancel your current auto insurance policy. Submit a down payment along with a completed application for your new policy. Once coverage is bound, keep your new proof of insurance certificate in an easily accessible location in your vehicle.

The critical component of shopping around is to use the same liability limits and deductibles on each quote and and to compare as many different insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the most accurate and complete price analysis.

Astonishing but true, the vast majority of consumers have been with the same company for more than four years, and almost half have never even shopped around for cheap coverage. The average driver in Plano could pocket almost $1,766 a year just by comparing rates, but they assume it's a waste of time to do a rate comparison.

If you are insured now or just want cheaper coverage, use these money-saving tips to save money and still get good coverage. Finding affordable auto insurance coverage in Plano can be made easier if you know where to look. Vehicle owners just have to learn the proper way to shop instantly.

Finding low cost Plano auto insurance quotes is pretty simple and can save money. Consumers just need to invest a few minutes to compare rate quotes to find out which insurance company has affordable Plano auto insurance quotes.

It's so fast and easy to compare rate quotes online that it makes it obsolete to drive around to different Plano agent offices. The ability to get quotes online can eliminate the need for a local agent unless you're the type of person who wants the extra assistance that only an agent can give. Some companies do allow you to get prices online but buy from a local insurance agent.

The providers in the list below are ready to provide price quotes in Plano, TX. If you want to find cheaper car insurance in TX, we suggest you visit two to three different companies to get a more complete price comparison.

Jeep Liberty insurance rate analysis

The premium table shown next outlines different coverage costs for Jeep Liberty models. Having insight into how rate quotes are determined can benefit drivers when making smart choices when purchasing an auto insurance policy.

Jeep Liberty Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $122 $212 $358 $22 $108 $822 $69
Liberty Limited 2WD $140 $212 $358 $22 $108 $840 $70
Liberty Renegade 4WD $140 $212 $358 $22 $108 $840 $70
Liberty Sport 4WD $140 $212 $358 $22 $108 $840 $70
Liberty Limited 4WD $140 $260 $358 $22 $108 $888 $74
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in vehicle location which can impact coverage rates greatly.

Raise deductibles and save

One common question asked by Plano drivers is how low should you set your deductibles. The premium rates below may help you to understand the premium difference between low and high physical damage coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Jeep Liberty insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $286 $486 $382 $22 $114 $1,315 $110
Liberty Limited 2WD $328 $486 $382 $22 $114 $1,357 $113
Liberty Renegade 4WD $328 $486 $382 $22 $114 $1,357 $113
Liberty Sport 4WD $328 $486 $382 $22 $114 $1,357 $113
Liberty Limited 4WD $328 $592 $382 $22 $114 $1,463 $122
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Jeep Liberty insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $158 $256 $382 $22 $114 $932 $78
Liberty Limited 2WD $182 $256 $382 $22 $114 $956 $80
Liberty Renegade 4WD $182 $256 $382 $22 $114 $956 $80
Liberty Sport 4WD $182 $256 $382 $22 $114 $956 $80
Liberty Limited 4WD $182 $312 $382 $22 $114 $1,012 $84
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in vehicle garaging location which can raise or lower coverage rates greatly.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $34 more each month or $408 a year averaged for all Liberty models than selecting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 26 months between claims, you would save more money if you opt for a higher deductible.

Driving violations and accidents

The illustration below demonstrates how traffic citations and accidents drive up Jeep Liberty insurance costs for each age group. The rates are based on a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Liability only or full coverage

The illustration below visualizes the comparison of Jeep Liberty insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.

Should you be buying full coverage?

There isn't a written rule for phasing out full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let's assume your Jeep Liberty book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after paying your policy deductible. If premiums are more than $700 a year for full coverage, then it might be time to buy liability only.

There are some scenarios where dropping full coverage is not advised. If you haven't paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Choosing the best vehicle insurance in Texas is an important decision

Despite the high cost, maintaining insurance is mandatory in Texas but it also protects more than you think.

  • Most states have minimum mandated liability insurance limits which means the state requires a specific level of liability protection if you want to drive legally. 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.
  • If you have a loan on your vehicle, it's most likely the lender will require that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Jeep for a lot more money and force you to pay much more than you were paying before.
  • Insurance protects not only your Jeep but also your assets. It will also provide coverage for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your car are without a doubt worth the cost, especially when you need to use it. Today the average American driver is overpaying more than $865 each year so it's important to compare rates at least once a year to make sure the price is not too high.

Choices You Make Can Impact Your Insurance Costs

Many factors are used when you get a price on insurance. A few of the factors are predictable such as your driving history, but some are more transparent like your vehicle usage or your commute time. Smart consumers have a good feel for the different types of things that play a part in calculating your premiums. If you know what impacts premium levels, this enables you to make decisions that may reward you with cheaper rates.

The list below includes some of the items used by your company to calculate prices.

  • Low stress occupation equals lower prices - Jobs like fire fighters, social workers, and emergency personnel generally pay the highest rates because of high stress and long work hours. Conversely, careers like actors, athletes and performers have lower than average premiums.
  • Premiums drop with age - Inexperience drivers are statistically shown to be inattentive and easily distracted in a vehicle so they pay higher auto insurance rates. Parents adding a inexperienced driver onto your auto insurance can really hurt. Older people are more cautious drivers, cost insurance companies less in claims, and tend to be get fewer driving tickets.

    The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Your gender affects prices - Over time, data shows that females tend to be a little less risky than males. It does not mean males are worse at driving than females. Females and males are responsible for auto accidents at a similar rate, but males tend to have higher claims. Not only that, but men also get ticketed for serious violations such as reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.

    The chart below visualizes the comparison of Jeep Liberty car insurance costs for male and female drivers. The prices are based on no claims or driving citations, comp and collision included, $250 deductibles, marital status is single, and no other discounts are factored in.

  • Discounts for married couples - Walking down the aisle can actually save you money on auto insurance. It generally demonstrates drivers are more mature than a single person and statistics show being married results in fewer claims.
  • Do you know your deductibles? - Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be collision with another vehicle, animal collisions, and having a roll-over accident. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be.
  • Liability insurance is critical - The liability coverage on your policy will provide protection in the event that a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Lower premiums for vehicles with better crash test results - Vehicles with good safety scores get lower rates. Vehicles built for safety have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims and lower rates for you. If your Jeep Liberty has ratings of a minimum four stars on or an "acceptable" rating on it may cost less to insure.

Plano insurance discounts for a Jeep Liberty

Car insurance can be pricey, but there may be some discounts that can drop the cost substantially. A few discounts will be applied when you get a quote, but a few need to be specially asked for before being credited.Cheaper car insurance with discounts

  • Own a Home and Save - Just being a homeowner can save a few bucks since home ownership means you have a higher level of financial diligence.
  • Smart Student Discounts - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Driver Training Discounts - Successfully completing a course teaching defensive driving skills can save you 5% or more and also improve your driving technique.
  • Include Life Insurance and Save - Not all companies offer life insurance, but some may give you better rates if you take out auto and life insurance together.
  • Payment Method - If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
  • Employee of Federal Government - Active or retired federal employment could qualify for a slight premium decrease depending on your car insurance provider.
  • Discount for Low Mileage - Driving fewer miles could be rewarded with cheaper prices.
  • Military Deployment Discount - Being on active deployment in the military could be rewarded with lower rates.
  • No Charge for an Accident - This isn't a discount exactly, but certain companies allow you one accident before they charge you more for coverage as long as you don't have any claims for a specific time period.

You should keep in mind that some credits don't apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, it's just not the way it works.

The diagram below illustrates the difference between Jeep Liberty insurance prices with and without some available policy discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Texas 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, claim-free, multi-policy, safe-driver, and marriage discounts applied.

Companies and some of the premium reductions they offer can be read below.

  • GEICO may offer discounts for multi-vehicle, military active duty, good student, seat belt use, emergency military deployment, and air bags.
  • MetLife offers discounts including defensive driver, accident-free, multi-policy, claim-free, good student, and good driver.
  • Progressive offers discounts for continuous coverage, online signing, multi-vehicle, good student, and multi-policy.
  • Travelers may include discounts for multi-car, new car, IntelliDrive, hybrid/electric vehicle, student away at school, and home ownership.
  • SAFECO may have discounts that include drive less, anti-theft, accident prevention training, homeowner, teen safety rewards, multi-car, and teen safe driver.
  • AAA includes discounts for multi-car, education and occupation, anti-theft, AAA membership discount, and good student.

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Savings may not be available in Plano. To choose insurance companies that provide some of the discounts listed above in Texas, click this link.

Compare prices but still have a local neighborhood Plano car insurance agent

Many drivers still like to buy from a local agent and that can be a smart move Insurance agents can help you build your policy and help file insurance claims. A good thing about getting free rate quotes online is the fact that you can find cheap car insurance rates but also keep your business local. And buying from local agents is important especially in Plano.

Insurance agency in PlanoFor easy comparison, once you complete this quick form, your insurance coverage information is emailed to agents in your area who will give you quotes for your car insurance coverage. You don't have to contact any insurance agencies as quotes are delivered immediately to your email address. If you have a need to compare prices from a particular provider, don't hesitate to navigate to their website and fill out the quote form the provide.

Shown below are Plano insurers that may be willing to give price quotes for Jeep Liberty insurance in Plano.

6833 Coit Rd #100 - Plano, TX 75024 - (972) 618-4300 - View Map

5805 Coit Rd #401 - Plano, TX 75093 - (972) 964-0113 - View Map

2504 K Ave #400 - Plano, TX 75074 - (972) 423-4348 - View Map

1110 E Parker Rd #106 - Plano, TX 75074 - (972) 200-5070 - View Map

More insurance agents

Selecting an insurer should depend on more than just a low price. Below are some questions you should ask.

  • Will you get a loaner vehicle if you car is being repaired?
  • Is there a Errors and Omissions policy in force?
  • How often do they review policy coverages?
  • Is the coverage adequate for your vehicle?
  • What insurance companies do they work with in Plano?
  • Which company do they place the most coverage with?

After getting good responses to your questions and an acceptable price quote, chances are good that you have found an provider that can service your policy.

Plano car insurance company ratings

Selecting a highly-rated insurance provider can be rather challenging considering how many choices there are in Texas. The ranking information below may help you choose which insurers you want to consider when comparing rate quotes.

Top 10 Plano Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

More effort can pay off

When searching for low cost Plano auto insurance quotes, you should never reduce coverage to reduce premium. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret at claim time they didn't have enough coverage. Your aim should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

Low-cost Jeep Liberty insurance in Plano is available both online and also from your neighborhood Plano agents, so you need to quote Plano auto insurance with both to have the best rate selection. Some insurance providers do not offer online rate quotes and most of the time these smaller providers only sell through independent insurance agents.

More detailed auto insurance information is located at these sites: