Insurance for Jeep LibertyDo you want more affordable Jeep Liberty insurance in Tacoma? Searching for low-cost insurance for a Jeep Liberty in Washington could be an all-consuming task, but you can follow our insurance buying tips to save time.

There is a right way and a wrong way to buy insurance so we're going to tell you the best way to compare rates for your Jeep and obtain the cheapest rates.

Consumers should take time to quote other rates yearly because insurance prices are usually higher with each renewal. If you had the best rate on Jeep Liberty insurance in Tacoma six months ago you will most likely find a better premium rate today. Forget all the misinformation about insurance because you're about to learn the right way to find the best coverage while lowering your premiums.

If you already have coverage or need a new policy, you can use this information to buy cheaper insurance without having to cut coverage. Quoting and comparing rates for the lowest cost coverage in Tacoma can be fairly easy. Shoppers just need to use the most efficient way to compare rate quotes from many different companies online.

The companies shown below can provide free quotes in Washington. If multiple companies are shown, it's highly recommended you click on several of them in order to get a fair rate comparison.

Jeep Liberty Insurance Rates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $202 $346 $304 $18 $90 $960 $80
Liberty Limited 2WD $160 $250 $334 $20 $100 $864 $72
Liberty Renegade 4WD $220 $310 $300 $18 $90 $938 $78
Liberty Sport 4WD $122 $194 $334 $20 $100 $770 $64
Liberty Limited 4WD $122 $248 $334 $20 $100 $824 $69
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price information does not factor in your specific Tacoma location which can increase or decrease prices greatly.

Should you buy full coverage?

The information below illustrates the comparison of Jeep Liberty premium costs with full coverage and liability only. The information is based on no tickets, no at-fault accidents, $500 deductibles, single male driver, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive guideline of when to exclude physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's pretend your Jeep Liberty settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying your deductible. If you are paying more than $300 a year for full coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where dropping full coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

Tickets and at-fault accidents raise rates

The diagram below highlights how traffic violations and at-fault collisions can increase Jeep Liberty auto insurance rates for each different age group. The prices are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.

Rate comparison for different deductibles

One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The following tables may help to illustrate the rate differences when you buy lower versus higher comp and collision deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price chart 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 $198 $316 $294 $18 $88 $939 $78
Liberty Limited 2WD $228 $316 $294 $18 $88 $969 $81
Liberty Renegade 4WD $228 $316 $294 $18 $88 $969 $81
Liberty Sport 4WD $228 $316 $294 $18 $88 $969 $81
Liberty Limited 4WD $228 $384 $294 $18 $88 $1,037 $86
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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 $162 $254 $294 $18 $88 $816 $68
Liberty Limited 2WD $186 $254 $294 $18 $88 $840 $70
Liberty Renegade 4WD $186 $254 $294 $18 $88 $840 $70
Liberty Sport 4WD $186 $254 $294 $18 $88 $840 $70
Liberty Limited 4WD $186 $310 $294 $18 $88 $896 $75
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in specific garaging location which can raise or lower coverage prices greatly.

Based on the data above, we can derive that using a $250 deductible costs an average of $10 more each month or $120 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 25 months between claims, you would probably save some money by selecting a higher deductible.

Protect your Liberty and other assets

Despite the high cost of buying insurance for a Jeep Liberty in Tacoma, car insurance is required by state law in Washington and it also provides benefits you may not be aware of.

The benefits of buying car insurance more than cancel out the cost, specifically if you ever have a liability claim. Unknowingly, the average driver overpays more than $850 per year so compare rate quotes at every renewal to help ensure money is not being wasted.

Auto insurance quotes and discounts

Some insurance providers do not advertise all available discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find credits available to bring down your rates.Discount auto insurance

One last thing about discounts, some credits don't apply to the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, that's just not realistic. But all discounts should help reduce your premiums.

To see insurance companies that have a full spectrum of discounts in Tacoma, follow this link.

Auto insurance is available from your local insurance agencies

Some people would prefer to talk to a local agent and that can be a great decision Professional insurance agents are very good at helping people manage risk and help in the event of a claim. One of the great benefits of getting online price quotes is you can get lower rates and still choose a local agent. Putting coverage with local insurance agencies is still important in Tacoma.

Insurance agents in TacomaTo help locate an agent, after submitting this quick form, your insurance data is instantly submitted to local insurance agents in Tacoma who can give free rate quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your computer due to the fact that quote results will go directly to you. If you want to get a price quote from one company in particular, you just need to jump over to their website and submit a quote form there.

Insurance agent types

If you are wanting to purchase auto insurance from a local insurance agency, it can be helpful to understand the types of agencies to choose from. Auto insurance agents are categorized either exclusive or independent agents depending on their company appointments. Both types can handle auto insurance, but it's worth learning how they differ since it can affect which agent you choose.

Independent Auto Insurance Agents (or Brokers)

Agents in the independent channel are not restricted to one company so as a result can place your coverage with multiple insurance companies and help determine which has the cheapest rates. If they find a lower price, they simply move the coverage in-house without you having to go to a different agency. When comparing auto insurance rates, you will definitely want to get rate quotes from several independent agencies so that you have a good selection of quotes to compare. Most can insure with small mutual carriers that may have much lower rates than larger companies.

Shown below is a list of independent agencies in Tacoma that may be able to give cheap rate quotes.

More insurance agents

Exclusive Agencies

Agents of this type have only one company to place business with such as Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot compare other company's rates so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Some people will only buy from exclusive agents mostly because of loyalty to the company and the convenience of having all coverages with one company.

Listed below is a list of exclusive agencies in Tacoma that are able to give rate quotes.

More insurance agents

Picking the best insurance agent requires you to look at more than just the price. Here are some questions you should ask.

If you feel you receive good feedback to any questions you may have as well as offering an affordable quote, you have narrowed it down to an auto insurance agent that is reputable and can service your policy. Just remember you can cancel a policy whenever you wish so never feel that you are obligated to a policy indefinitely.

Don't give up on cheap premiums

In this article, we covered a lot of tips how to compare Jeep Liberty insurance premium rates in Tacoma. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest Jeep Liberty rate quotes. You may even discover the best price on insurance is with a lesser-known regional company.

The cheapest Jeep Liberty insurance in Tacoma can be found online in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis. Some companies don't offer internet price quotes and many times these small, regional companies only sell through independent agencies.

People leave their current company for a variety of reasons including denial of a claim, extreme rates for teen drivers, delays in responding to claim requests or being labeled a high risk driver. No matter why you want to switch, switching insurance companies is not as difficult as it may seem.

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