How to Save on Fresno Jeep Liberty Insurance

If your goal is the lowest price, then the best way to find low-cost prices for Jeep Liberty insurance is to compare prices once a year from insurance carriers in Fresno.

1. Gain an understanding of policy coverages and the factors you can control to drop your rates. Many rating factors that result in higher prices like tickets, at-fault accidents, and a bad credit rating can be controlled by making lifestyle changes or driving safer.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while independent agencies can provide prices for a wide range of insurance providers.
3. Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find a better price and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Give proper notification to your current agent or company of your intention to cancel your current coverage. Submit a completed policy application and payment to the new insurer. Make sure you safely store the certificate verifying proof of insurance in an easily accessible location.

One important bit of advice is that you’ll want to make sure you compare the same amount of coverage on every price quote and and to get rates from as many companies as you can. This guarantees a level playing field and the best price selection.

Astonishing but true according to a recent study, most car insurance customers have bought car insurance from the same company for at least the last four years, and just short of a majority have never shopped around. Fresno drivers could pocket about $469 a year just by comparing rates, but most just don’t grasp the amount of savings they would get if they switch to a new company.

Data for Jeep Liberty insurance

The information shown below showcases detailed analysis of rate quotes for Jeep Liberty models. Being able to understand how auto insurance premiums are figured can help drivers make smart choices when purchasing an auto insurance policy.

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

Policy deductibles

One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The data tables below approximate the cost difference between low and high insurance deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in specific zip code location which can revise premium rates considerably.

We can derive from the above data that using a $250 deductible costs roughly $15 more each month or $180 every year than choosing the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have more than 17 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Reckless driving habits raise insurance rates

The diagram below shows how violations and accident claims influence Jeep Liberty insurance costs for each age group. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Fresno auto insurance companies ranked

Finding the right insurance provider is difficult considering how many choices you have in California. The ranking information shown below can help you decide which car insurance providers you want to consider comparing rates from.

Top 10 Fresno Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top 10 Fresno Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Learn about car insurance coverages for a Jeep Liberty

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability insurance

This can cover damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 15/30/5 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like emergency aid, structural damage, funeral expenses and medical services. How much coverage you buy is a personal decision, but you should buy higher limits if possible. California requires minimum liability limits of 15/30/5 but drivers should carry more coverage.

The next chart shows why buying the state minimum limits may not provide adequate coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, EMT expenses, ambulance fees, hospital visits and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible on your Liberty in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Jeep Liberty.

Since a lot of drivers have only the minimum liability required by law (California limits are 15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liability limits.

Cheap insurance rates are possible

We just presented a lot of ways to compare Jeep Liberty insurance rates in Fresno. The key thing to remember is the more quotes you get, the better chance you’ll have of finding low cost Fresno auto insurance quotes. You may even discover the best rates are with some of the lesser-known companies.

Consumers switch companies for any number of reasons including policy cancellation, denial of a claim, unfair underwriting practices and even extreme rates for teen drivers. No matter why you want to switch, finding the right insurance provider is not as difficult as it may seem.

The cheapest Jeep Liberty insurance in Fresno is possible from both online companies in addition to many Fresno insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide rates over the internet and these small, regional companies only sell coverage through independent agencies.

Additional resources

• Older Driver Statistics (Insurance Information Institute)
• Who Has the Cheapest Car Insurance for a School Permit in Fresno? (FAQ)
• What Car Insurance is Cheapest for a Nissan Rogue in Fresno? (FAQ)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Understanding your Policy (NAIC.org)