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.

If 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.

• First, spend some time learning about individual coverages and the measures you can control to keep rates low. Many factors that are responsible for high rates like speeding and your credit history can be remedied by making minor driving habit or lifestyle changes. This article provides more ideas to prevent high rates and find missing discounts.
• Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while agents who are independent can quote prices for many different companies. View rates
• Third, compare the quotes to your current policy premium to see if switching to a new carrier will save money. If you find a better price, ensure coverage does not lapse between policies.
• Fourth, give notification to your current company of your intention to cancel your current auto insurance policy and submit a down payment and signed policy application for your new policy. Make sure you store the certificate of insurance in an easily accessible location in your vehicle.

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.

• Liability coverage claims can be big – Your policy’s liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. Your liability coverage provides legal defense coverage which can cost a lot. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
• Consider raising deductibles – Deductibles for physical damage state the amount of money you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, also called ‘full coverage’, is used to repair damage to your car. Some instances where coverage would apply are rear-ending another vehicle, fire damage, or theft of your vehicle. The larger the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
• Married people drive safer – Having a wife or husband may save some money when shopping for car insurance. Marriage generally demonstrates drivers are more mature than a single person and statistics prove married couples file fewer claims.

• High performance vehicles cost more to insure – The performance of the vehicle you are buying insurance for makes a big difference in your rates. The lowest performance passenger models generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.

  The following data assumes a single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Jeep Liberty insurance rates compared to other vehicles that have different performance risks.

• Extra policy coverages push up premiums – There are quite a few extra coverages that sound like a good idea at the time but may not be useful. Coverages for rental car reimbursement, towing coverage, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when buying your policy, but if they’re wasting money consider taking them off your policy.
• Vehicles with better crash test results cost less to insure – Safe vehicles can get you lower premiums. The safest vehicles protect occupants better and any reduction in injury severity translates directly to fewer claims which can result in lower premiums.
• Where you call home factors in – Choosing to live in areas with lower population can be a good thing when it comes to car insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. City drivers have to deal with more aggressive driving styles and more severe claims. More time on the road statistically corresponds to a higher accident and claim rate.
• Combine policies with the same company – The majority of insurance companies give lower prices to clients who have multiple policies with them in the form of a multi-policy discount. Discounts can amount to as much as ten percent or more Even with this discount applied, it’s still a good idea to compare other company rates to make sure you are getting the best deal. Consumers may save money by buying car insurance from a different company.

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.

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.

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.

• Discounts for New Vehicles – Buying a new car model can save up to 30% compared to insuring an older model.
• E-sign Discounts – Certain companies may give you up to $50 simply for signing digitally online.
• Claim Free – Claim-free drivers pay much less when compared to accident-prone drivers.
• One Accident Forgiven – This one isn’t a discount, but a handful of insurance companies will let one accident slide before raising your premiums so long as you haven’t had any claims before the accident.
• Student Discount for Driver Training – Teen drivers should enroll in driver’s education in school or through a local driver safety program.
• Active Service Discounts – Having a deployed family member may lower your prices slightly.

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.

• Farm Bureau offers premium reductions for good student, multi-vehicle, driver training, 55 and retired, youthful driver, renewal discount, and safe driver.
• State Farm discounts include anti-theft, Steer Clear safe driver discount, good student, multiple autos, accident-free, Drive Safe & Save, and good driver.
• Progressive may include discounts for online quote discount, good student, multi-policy, continuous coverage, homeowner, online signing, and multi-vehicle.
• Allstate may have discounts that include multi-policy, defensive driver, teenSMART discount, premier discount, utility vehicle, and premier plus.
• Nationwide may offer discounts for multi-policy, Farm Bureau membership, accident-free, easy pay, and family plan.
• MetLife has savings for good driver, claim-free, multi-policy, accident-free, defensive driver, good student

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.

After 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.

• Ron Dunn Insurance Agency, LLC
  124 Ingram Ave – Pittsburgh, PA 15205 – (412) 922-1126 – View Map
• Liberty Insurance Agency
  1910 Cochran Rd #800 – Pittsburgh, PA 15220 – (412) 571-5700 – View Map
• Casper Insurance Agency, Inc.
  611 Mt Royal Blvd – Pittsburgh, PA 15223 – (412) 486-9200 – View Map

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.

• Corey Griffith – State Farm Insurance Agent
  1143 S Braddock Ave – Pittsburgh, PA 15218 – (412) 241-1178 – View Map
• Lindsay Brown – State Farm Insurance Agent
  300 Cedar Blvd #205 – Pittsburgh, PA 15228 – (412) 344-3030 – View Map
• George O’Korn – State Farm Insurance Agent
  4486 Steubenville Pike – Pittsburgh, PA 15205 – (412) 921-1182 – View Map

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.

• Will your rates increase after a single accident?
• Can you contact them at any time?
• Is assistance available after office hours?
• Are they properly licensed to sell insurance in Pennsylvania?
• Are they actively involved in the community?
• Are they giving you every discount you deserve?
• Is coverage determined by price?

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.

Even more information is located by following these links:

• Your Car has been Stolen: Now What? (Allstate)
• Who Has the Cheapest Pittsburgh Car Insurance for a Nissan Versa? (FAQ)
• Where can I buy Insurance? (Insurance Information Institute)
• Understanding Limits and Deductibles (Allstate)