Auto Insurance Rates for a Jeep Liberty in Scottsdale

Finding more affordable premium rates for Jeep Liberty insurance in Scottsdale is kind of frustrating for people new to quoting and comparing prices online. Consumers have so many options available that it can turn into a difficult mission to compare premium rates on Jeep Liberty insurance.

Steps to saving money on Jeep Liberty insurance in Scottsdale

If you want to save the most money, the best way to find cheaper Jeep Liberty insurance is to start doing a yearly price comparison from insurance carriers who sell insurance in Scottsdale.

First, read about how insurance companies determine prices and the measures you can control to prevent high rates. Many risk factors that are responsible for high rates like speeding tickets, careless driving and your credit history can be improved by paying attention to minor details. Later in this article we will cover additional ideas to help prevent costly coverage and find overlooked discounts.

Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while agents who are independent can provide prices from many different companies. Start a quote

Third, compare the new rate quotes to your existing coverage and determine if cheaper Liberty coverage is available in Scottsdale. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.

Fourth, notify your current company of your intent to cancel your existing policy and submit payment along with a signed and completed policy application to the new company. Be sure to place the new proof of insurance paperwork in a readily accessible location in your vehicle.

The key thing to remember is that you’ll want to compare identical deductibles and limits on every quote request and and to analyze as many companies as possible. Doing this guarantees a level playing field and a good representation of prices.

Shockingly, almost 70% of insureds kept buying from the same company for more than four years, and just short of a majority have never shopped around. Many drivers in Arizona could save themselves about 50% a year just by shopping around, but they don’t understand how simple it is to go online and compare rates.

Smart consumers take time to do rate comparisons once or twice a year since insurance prices change regularly. If you had the lowest rates on Jeep Liberty insurance in Scottsdale a couple years back there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because you’re going to learn the fastest and easiest way to remove unneeded coverages and save money.

If you currently have a car insurance policy, you will surely be able to cut your premiums using the tips covered below. The intent of this article is to help you learn how to effectively get price quotes and how to save the most money. Although Arizona drivers must learn how the larger insurance companies calculate their prices and use this information to your advantage.

Companies offering low-cost Jeep Liberty rates in Scottsdale, AZ

The companies in the list below are our best choices to provide price quotes in Arizona. If you want cheap car insurance in Scottsdale, we recommend you visit two to three different companies to find the most affordable car insurance rates.

Coverage statistics and figures

The coverage information displayed next highlights a range of coverage costs for Jeep Liberty models. Having insight into how auto insurance prices are determined can be of help when making decisions on the best policy to buy.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in vehicle garaging location which can increase or decrease prices noticeably.

How high should deductibles be?

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The rates below may aid in understanding the premium difference between high and low insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Table data does not factor in your specific Scottsdale location which can influence price quotes substantially.

Based on the figures above, using a $100 deductible would cost the average driver about $18 more each month or $216 every year across all Jeep Liberty models than selecting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 22 months between claim filings, you would probably come out ahead going with the higher deductible.

The example below highlights how deductible selection and can influence Jeep Liberty premium costs for different age groups. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The diagram below illustrates the comparison of Jeep Liberty auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or driving violations, $500 deductibles, single marital status, and no discounts are applied.

When to switch to liability coverage only

There is no set guideline for eliminating full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s say your Jeep Liberty settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after you pay the deductible. If you are paying more than $400 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few cases where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage.

Get Cheaper Car Insurance with These Tips

An important part of buying insurance is that you know a few of the rating criteria that help calculate your policy premiums. If you know what influences your rates, this helps enable you to make changes that could result in lower car insurance prices.

The items below are most of the major factors used by your company to calculate premiums.

• Rates increase with driving citations – Your driving citation history has a lot to do with how much you pay for insurance. Getting just one moving violation can boost insurance rates by as much as thirty percent. Careful drivers get better rates than people who have multiple driving citations. Drivers unfortunate enough to have severe tickets such as DWI, reckless driving or hit and run convictions might be required by their state to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.

  The illustration below demonstrates how citations and at-fault accidents can drive up Jeep Liberty insurance costs for each age group. The information is based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

• Drive fewer miles and save – The higher the mileage driven in a year’s time the more it will cost to insure it. Many insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars that sit idle most of the time can get a lower rate than those that get driven frequently. Having the wrong rating on your Liberty is throwing money out the window. It’s a smart idea to ensure your car insurance coverage is rated on the correct usage for each vehicle, because improper ratings can cost you money.
• Discounts for married drivers – Having a wife or husband may earn you lower rates on your car insurance policy. It demonstrates that you tend to be more financially stable and insurance companies like that married drivers tend to file fewer claims.
• Do you know your comp and collision deductibles? – Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your Jeep. Examples of some claims that would be covered would be a broken windshield, damage from fire, and having your car stolen. Comp and collision deductibles are the amount of money the insured will be required to pay in the event of a claim. The larger the amount the insured has to pay upfront, the bigger discount you will receive.
• Where you live is a factor – Residing in areas with lower population is a good thing when shopping for auto insurance. Fewer drivers means a lower chance of having an accident in addition to fewer liability claims. Drivers in populated Arizona areas regularly have more road rage incidents and longer commute times. The longer drive time means more chance of being in an accident.
• Stay claim-free and reduce car insurance rates – Insurance companies in Arizona give most affordable rates to insureds who are claim-free. If you are the type of insured that files lots of claims you can expect much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for more catastrophic claims.
• Excellent credit equals lower costs – Having a bad credit history is likely to be a major factor in determining what you pay for car insurance. Insureds that have excellent credit scores tend to be better drivers and file fewer claims than those with lower ratings. If your credit is low, you could pay less to insure your Jeep Liberty by taking the time to improve your credit score.

• High performance equals high prices – The make and model of the car, truck or SUV you drive makes a substantial difference in your auto insurance rates. Lower cost passenger models receive the most favorable rates, but other factors influence the final cost greatly.

  The data below uses these assumptions: married male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Jeep Liberty rates compared to other makes and models that have a range of performance risks.

Get cheaper rates on Jeep Liberty insurance in Scottsdale with these discounts

Some insurance providers don’t always list every discount they offer very well, so the below list has both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy Scottsdale auto insurance online.

• Discounts for Good Drivers – Safe drivers could pay up to 40% less compared to rates paid by drivers with frequent claims.
• Service Members Pay Less – Being on active deployment in the military may lower your prices slightly.
• E-sign – Some companies give back up to $50 simply for signing on the internet.
• Multi-line Discount – Some companies give a discounted auto insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
• Telematics Data – Scottsdale drivers who agree to allow their company to study driving patterns by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as the data is positive.
• Pay Early and Save – By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.
• Bundle and Save – If you have multiple policies and place coverage with the same company you could get a discount of approximately 10% to 15%.
• Memberships – Being a member of a civic or occupational organization in Scottsdale is a simple method to lower premiums when getting a Scottsdale auto insurance quote.

Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, auto insurance companies aren’t that generous.

The example below illustrates the difference between Jeep Liberty insurance premiums with and without discounts applied. The rates are based on a female driver, no violations or claims, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, claim-free, multi-policy, and marriage discounts applied.

To see insurance companies that offer the discounts shown above in Arizona, click here to view.

When to have guidance from a local insurance agent

Certain consumers would prefer to have an agent’s advice and doing that can be a smart decision A good thing about comparing rates online is you may find lower rates and still have a local agent.

By using this short form, your insurance data is transmitted to companies in Scottsdale that can provide free Scottsdale auto insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any agents as quotes are delivered to you. You can get cheaper car insurance rates without having to waste a lot of time. In the event you want to compare rates for a specific company, you can always jump over to their website and complete a quote there.

Choosing a company should include more criteria than just a low price. Any good agent in Scottsdale should know the answers to these questions.

• Are there any hidden costs in their price quote and does it include driving and credit history?
• Does the agency support the community they serve?
• What is their Better Business Bureau rating?
• Do they get paid more for recommending certain coverages?
• Is there a Errors and Omissions policy in force?

Exclusive and independent Scottsdale auto insurance agents

If you prefer to buy car insurance from a reliable agent, there are a couple of different types of agencies to choose from. Agents can be classified as either exclusive or independent agents depending on their company appointments.

Exclusive Car Insurance Agents

These type of agents normally can only provide a single company’s rates such as Allstate, State Farm and Farmers Insurance. These agents are not able to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive extensive training on the products they sell and that enables them to sell even at higher rates. Consumers frequently choose to use a exclusive agent primarily because of high brand loyalty rather than having the cheapest rates.

Listed below is a short list of exclusive agents in Scottsdale that can give you comparison quotes.

• Farmers Insurance: David Kulwin Agency
  8238 E Thomas Rd – Scottsdale, AZ 85251 – (480) 505-1220 – View Map
• Ric Newman – State Farm Insurance Agent
  10401 E McDowell Mountain Ranch Rd #110 – Scottsdale, AZ 85255 – (480) 860-2121 – View Map
• Joe Dufek – State Farm Insurance Agent
  5425 E Bell Rd #108 – Scottsdale, AZ 85254 – (602) 493-5300 – View Map

View more Scottsdale agents

Independent Insurance Agents

Independent agents are not employed by any specific company so they can quote policies with many different companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally which is easy for the insured.

When comparing rates, we recommend you include rate quotes from a couple of independent agencies so that you can do a thorough price comparison. Most have the option of insuring with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.

The following are Scottsdale independent agencies willing to provide rate quotes.

• JVP Insurance Agency
  10025 E Dynamite Blvd – Scottsdale, AZ 85262 – (480) 473-3100 – View Map
• Leavitt Group – Powers-Leavitt Insurance Agency
  14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100 – View Map
• Hartford Insurance Agent
  17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map

View more Scottsdale agents

After you get reasonable responses to your questions in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that can be trusted to properly service your car insurance policy.

What is the best auto insurance coverage?

When selecting proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions can help discover whether you may require specific advice.

• Do I pay less if my vehicle is kept in my garage?
• Do I need added coverage for expensive stereo equipment?
• Is my dog or cat covered if injured in an accident?
• What does medical payments coverage do?
• Do I have coverage when pulling a U-Haul trailer?
• How much liability insurance is required?
• Does my Jeep Liberty qualify for pleasure use?
• Is my teenager covered with friends in the car?
• Which companies are cheaper for teen drivers?
• Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Find affordable rates by being thorough

There are still a few companies who do not provide online rate quotes and usually these smaller companies work with local independent agents. Budget-friendly insurance in Scottsdale can be sourced online and with local Scottsdale insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many instances, drivers have reduced uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

Drivers switch companies for a variety of reasons including poor customer service, delays in paying claims, extreme rates for teen drivers and even denial of a claim. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

How to find low-cost rates for Jeep Liberty insurance in Scottsdale

The recommended way to get more affordable Jeep Liberty insurance is to start doing an annual price comparison from providers that sell auto insurance in Scottsdale.

• Step 1: Try to learn a little about how your policy works and the changes you can make to keep rates low. Many rating factors that are responsible for high rates like inattentive driving and a substandard credit score can be rectified by making small lifestyle or driving habit changes.
• Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or State Farm, while independent agencies can provide prices from multiple sources.
• Step 3: Compare the new rate quotes to your current policy to see if a cheaper rate is available in Scottsdale. If you find a better price and change companies, make sure coverage does not lapse between policies.
• Step 4: Provide adequate notice to your current company of your intention to cancel your existing policy. Submit the signed application along with the required initial payment to the new company. Immediately upon receiving it, put the certificate verifying proof of insurance with your vehicle’s registration.

The most important part of shopping around is that you use identical coverages on each price quote and and to get rates from every insurance company. This guarantees a fair rate comparison and a complete rate analysis.

Much more information about insurance in Arizona can be read on the following sites:

• Vehicle Insurance (Wikipedia)
• Who Has Affordable Car Insurance for Nurses in Scottsdale? (FAQ)
• Who Has Affordable Car Insurance for Drivers with a Bad Driving Record in Scottsdale? (FAQ)
• Who Has the Cheapest Auto Insurance for Teenagers in Scottsdale? (FAQ)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Speed and Speed Limit FAQ (iihs.org)