Car Insurance Quotes for a Jeep Liberty in Pittsburgh

It’s safe to conclude that auto insurance companies don’t want you to compare rates. Drivers who shop around for cheaper prices are highly likely to switch insurance companies because there is a good probability of finding a lower-cost company. A recent study showed that drivers who shopped around annually saved about $3,450 over four years as compared to drivers who never compared rates.

If finding low prices for auto insurance in Pittsburgh is your objective, then learning a little about how to quote and compare cheaper coverage can make the process more efficient.

Insurance for Jeep LibertyIf you want to save money, the best way to find low-cost Jeep Liberty insurance is to do an annual price comparison from providers in Pittsburgh.

The critical component of shopping around is to make sure you enter identical coverage information on every quote and to quote with all possible companies. Doing this provides the most accurate price comparison and and a good selection of different prices.

You Can Change Your Insurance Prices

The best way to find cheaper car insurance is to take a look at the different types of things that help determine your premiums. If you have some idea of what determines base rates, this allows you to make good choices that may result in cheaper rates. Many things are used when premium rates are determined. Some of the criteria are obvious such as your driving history, but other criteria are not quite as obvious like where you live and annual miles driven.

The following companies can provide free quotes in Pennsylvania. If you wish to find cheap auto insurance in Pittsburgh, PA, it’s highly recommended you click on several of them to get the best price comparison.

Detailed insurance information

The price information shown below highlights a range of prices for Jeep Liberty models. Being more informed about how insurance policy premiums are established can help customers make decisions on the best policy coverages.

Jeep Liberty Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $172 $300 $316 $18 $94 $900 $75
Liberty Limited 2WD $198 $300 $316 $18 $94 $926 $77
Liberty Renegade 4WD $198 $300 $316 $18 $94 $926 $77
Liberty Sport 4WD $198 $300 $316 $18 $94 $926 $77
Liberty Limited 4WD $198 $364 $316 $18 $94 $990 $83
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in specific location information which can affect prices considerably.

Raise deductibles and save

A question often asked by Pittsburgh drivers is which comprehensive and collision deductibles to buy. The following insurance rates may help to conceptualize the costs and benefits between high and low physical damage deductibles. The first data set uses a $250 deductible and the second rate table uses a $500 deductible.

Jeep Liberty insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $222 $352 $330 $20 $98 $1,047 $87
Liberty Limited 2WD $254 $352 $330 $20 $98 $1,079 $90
Liberty Renegade 4WD $254 $352 $330 $20 $98 $1,079 $90
Liberty Sport 4WD $254 $352 $330 $20 $98 $1,079 $90
Liberty Limited 4WD $254 $428 $330 $20 $98 $1,155 $96
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Jeep Liberty insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $180 $284 $330 $20 $98 $912 $76
Liberty Limited 2WD $206 $284 $330 $20 $98 $938 $78
Liberty Renegade 4WD $206 $284 $330 $20 $98 $938 $78
Liberty Sport 4WD $206 $284 $330 $20 $98 $938 $78
Liberty Limited 4WD $206 $346 $330 $20 $98 $1,000 $83
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in vehicle location which can decrease or increase rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $12 more each month or $144 each year than choosing the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 21 months between claims, you would save more money if you elect the higher deductible.

Does full coverage make sense?

The information below illustrates the difference between Jeep Liberty car insurance rates with full physical damage coverage compared to only buying liability only. The premium estimates are based on no violations or claims, $1,000 deductibles, single status, and no other discounts are factored in.

When to drop full coverage

There is no clear-cut rule to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Jeep Liberty claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after the deductible is paid. If premium cost is more than $300 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some conditions where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Insurance protects more than just your car

Despite the high cost of buying insurance for a Jeep Liberty in Pittsburgh, insurance is required in Pennsylvania but it also protects you in many ways.

First, most states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to get the vehicle licensed. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your vehicle has a lienholder, it’s guaranteed your bank will make it mandatory that you carry insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Jeep for a lot more money and force you to pay for the expensive policy.

Third, insurance safeguards your car and your assets. Insurance will also pay for all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of buying insurance are definitely more than the cost, especially for larger claims. But the average driver in Pennsylvania is overpaying over $700 annually so it’s very important to do a rate comparison at least once a year to ensure rates are inline.

Get discounts to get affordable Pittsburgh auto insurance quotes

Car insurance is not cheap, but companies offer discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but a few must be manually applied in order for you to get them.Auto insurance discounts

As is typical with insurance, some credits don’t apply to the entire cost. Most cut individual premiums such as liability and collision coverage. So when the math indicates it’s possible to get free car insurance, you aren’t that lucky. Any qualifying discounts will definitely lower the cost of your policy.

The chart below shows the difference between Jeep Liberty insurance rates with and without some available policy discounts. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision 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, marriage, and safe-driver discounts applied.

A list of companies and some of the discounts are included below.

When comparing rates, check with every company which discounts can lower your rates. Some discounts listed above may not apply to policies in Pittsburgh.

Independent versus exclusive insurance agencies

Certain consumers prefer to talk to an insurance agent and that is a smart decision Agents can point out coverage gaps and help submit paperwork. A good thing about getting free rate quotes online is you may find lower prices and still have an agent to talk to. Buying from and supporting neighborhood agents is important particularly in Pittsburgh.

Find insurance agent in PittsburghAfter filling out this short form, the quote information is sent to insurance agents in Pittsburgh who will return price quotes to get your business. There is no reason to do any legwork as quotes are delivered directly to your email. If you need to get a comparison quote from a specific car insurance provider, you would need to search and find their rate quote page and submit a quote form there.

If you’re trying to find a good insurance agency, there are two types of agencies that you can select. Car insurance policy providers can be classified as either exclusive agents or independent agents. Either can insure your vehicles properly, but we need to point out the difference between them because it can factor into buying decisions.

Independent Car Insurance Agencies or Brokers

Independent agents do not sell for just one brand so they can quote policies with any number of different companies and get the cheapest rates. If your premiums go up, an independent agent can move your coverage and you don’t have to switch agencies. If you are trying to find cheaper rates, we recommend you check rates from multiple independent agents so that you have a good selection of quotes to compare. Many write coverage with small regional insurance companies that may provide cheaper car insurance rates.

Listed below is a small list of independent insurance agencies in Pittsburgh who may provide rate quotes.

More insurance agents

Exclusive Insurance Agents

Agents that elect to be exclusive have only one company to place business with and examples are Allstate and State Farm. They are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive insurance agents are very knowledgeable on their products and sales techniques which can be an advantage. Consumers sometimes choose to use an exclusive agent primarily because of the prominence of the brand rather than low price.

Shown below is a short list of exclusive insurance agents in Pittsburgh that can give you price quote information.

More insurance agents

Finding the right car insurance agent requires you to look at more than just the premium amount. Here are some questions you might want to ask.

Find cheaper rates by being thorough

More affordable car insurance in Pittsburgh is attainable both online and with local Pittsburgh insurance agents, so you need to quote Pittsburgh car insurance with both to get a complete price analysis. Some insurance companies don’t offer rate quotes online and these smaller providers sell through independent agents.

We just showed you many tips how you can reduce Jeep Liberty insurance premium rates online in Pittsburgh. It’s most important to understand that the more companies you get prices for, the higher your chance of finding cheaper Pittsburgh car insurance quotes. You may even be surprised to find that the lowest premium rates are with the least-expected company.

People leave their current company for many reasons like being labeled a high risk driver, denial of a claim, high prices or lack of trust in their agent. No matter why you want to switch, finding a new company is actually quite simple.

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