It’s an obvious assumption that car insurance companies don’t want their policyholders to compare prices. Drivers who shop around for cheaper price quotes will probably buy a new policy because there is a great chance of finding more affordable rates. A survey found that consumers who compared rate quotes regularly saved approximately $3,400 over four years compared to those who don’t make a habit of comparing rates.
If finding discount rates on car insurance is your ultimate goal, understanding how to find companies and compare insurance coverage can help you succeed in finding affordable rates.
Really, the only way to get low-cost car insurance rates in Tucson is to start comparing prices regularly from different companies in Arizona.
- Get a basic knowledge of how car insurance works and the modifications you can make to prevent high rates. Many things that increase rates like high-risk driving behaviors and a poor credit rating can be eliminated by being financially responsible and driving safely.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple insurance companies.
- Compare the quotes to your existing coverage and see if there is a cheaper rate in Tucson. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.
- Notify your current company of your intent to cancel your current auto insurance policy. Submit payment and a completed application to your new insurance company. When you receive it, store the proof of insurance certificate in an accessible location in your vehicle.
One thing to remember is that you use the same liability limits and deductibles on every quote and and to compare as many auto insurance providers as possible. This enables the most accurate price comparison and and a good selection of different prices.
If you have insurance now or need new coverage, use these techniques to reduce premiums and still get good coverage. Locating the most cost-effective insurance policy in Tucson is really quite easy. Drivers just need to learn the proper way to compare price quotes from many different companies online.
Quote Tucson Jeep Liberty insurance online
Finding more affordable auto insurance rates is not a difficult process. You just have to take a couple of minutes comparing rates to find out which insurance company has low cost Tucson auto insurance quotes.
Online shopping is fast and free, and it makes it obsolete to drive around to insurance agencies in your area. The ability to get quotes online has reduced the need for local agents unless you prefer the trained guidance of a local agency. However, consumers can get the lowest quotes online but have a local agent actually write the policy.
The companies in the list below provide price comparisons in Tucson, AZ. If you wish to find cheap auto insurance in Tucson, AZ, it’s a good idea that you compare several of them to get the best price comparison.
Get cheaper Jeep Liberty insurance in Tucson with discounts
Insurance can cost an arm and a leg, but you might already qualify for some discounts to help offset the cost. Some discounts will apply at the time you complete a quote, but lesser-known reductions have to be requested specifically in order for you to get them.
- E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks shop Tucson auto insurance on the web.
- Good Student – Being a good student may save you up to 25%. You can use this discount normally well after school through age 25.
- ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
- Accident-Free Discounts – Insureds who avoid accidents and claims pay much less compared to drivers with a long claim history.
- Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts can save a little off PIP or medical payments premium.
- Drive Less and Save – Low mileage vehicles could qualify for better prices on cars that stay parked.
- Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
Consumers should know that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, insurance companies aren’t that generous.
The information below compares Jeep Liberty insurance premiums with and without discounts applied. Data assumes a male driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.
To locate insurers that offer the discounts shown above in Tucson, click this link.
Detailed insurance information
The coverage table shown below covers estimates of prices for Jeep Liberty models. Knowing how insurance policy premiums are established can help customers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $158 | $272 | $288 | $18 | $86 | $822 | $69 |
| Liberty Limited 2WD | $180 | $272 | $288 | $18 | $86 | $844 | $70 |
| Liberty Renegade 4WD | $180 | $272 | $288 | $18 | $86 | $844 | $70 |
| Liberty Sport 4WD | $180 | $272 | $288 | $18 | $86 | $844 | $70 |
| Liberty Limited 4WD | $180 | $332 | $288 | $18 | $86 | $904 | $75 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in specific Tucson garaging location which can alter insurance rates significantly.
Reckless driving habits raise Tucson car insurance rates
The diagram below illustrates how traffic citations and accident claims raise Jeep Liberty premium costs for different ages of insureds. The prices are based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
Age-based car insurance rates by gender in Tucson
The information below illustrates the difference between Jeep Liberty insurance costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Buying car insurance from Tucson auto insurance agents
A lot of people would prefer to get advice from a local agent and we recommend doing that Professional insurance agents can make sure you are properly covered and give you someone to call. A nice benefit of price shopping on the web is you can get lower rates and still buy from a local agent.
After completing this form (opens in new window), the coverage information is submitted to companies in Tucson that provide free Tucson auto insurance quotes for your insurance coverage. You never need to leave your computer because prices are sent to your email. If you need to get a comparison quote from one company in particular, feel free to find their quoting web page and submit a quote form there.
Choosing the best insurance company requires more thought than just a cheap price. Any agent in Tucson should be willing to answer these questions.
- What is their Better Business Bureau rating?
- How many companies do they write for?
- Do they prorate repair cost based on vehicle mileage?
- Will the agent help in case of a claim?
- Can glass claims be handled at your home?
Shown below are Tucson insurers that may be able to provide comparison quotes for Jeep Liberty insurance in Tucson.
Al Vasey – State Farm Insurance Agent
7401 E 22nd St – Tucson, AZ 85710 – (520) 514-0222 – View Map
Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd B – Tucson, AZ 85715 – (520) 885-2321 – View Map
Allstate Insurance: Mike Brown
3400 E Speedway Blvd Ste 202 – Tucson, AZ 85716 – (520) 318-1775 – View Map
Allstate Insurance: Edmund Marquez
4420 E Speedway Blvd Ste 102 – Tucson, AZ 85712 – (520) 323-9333 – View Map
Buy Jeep Liberty Insurance Cheaper
Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but others are less apparent such as whether you are married or your financial responsibility.
- Save money with high credit – A driver’s credit history is a large factor in determining what you pay. Consumers who have excellent credit tend to be more responsible than drivers who have lower credit ratings. If your credit rating is low, you could save money insuring your Jeep Liberty by repairing your credit.
- Add-on coverages are wasting money – There are many extra coverages that you can get tricked into buying but may not be useful. Coverages like rental car coverage, death and dismemberment, and motor club memberships may be costing you every month. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past think about removing them and cutting costs.
- Liability limits should be high – The liability section of your policy is the protection in the event that a court rules you are at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
- Your career may increase premiums – Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, business owners, and financial analysts tend to have the highest average rates due to high stress levels and lots of time spent at work. Other occupations such as farmers, engineers and retirees pay the least.
Protect your Jeep vehicle and other assets
Despite the high cost of buying insurance for a Jeep Liberty in Tucson, buying car insurance may not be optional for several reasons.
- Most states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Jeep, more than likely the lender will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender will be forced to insure your Jeep at a significantly higher premium and require you to fork over for the expensive policy.
- Insurance protects both your assets and your Jeep Liberty. It will also cover hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Jeep as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance more than offset the price you pay, specifically if you ever have a liability claim. Unknowingly, the average driver overpays more than $855 a year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.
Final considerations
In this article, we covered some good ideas how you can get a better price on Jeep Liberty insurance in Tucson. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with an unexpected company. They may often insure only within specific states and give better rates as compared to the big name companies such as State Farm and Allstate.
As you quote Tucson auto insurance, make sure you don’t reduce needed coverages to save money. There have been many situations where an insured dropped full coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.
Affordable Jeep Liberty insurance in Tucson is possible online and from local agencies, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these small, regional companies sell through local independent agents.
More articles
- Tools for Teen Driving Safety (State Farm)
- Who Has Affordable Auto Insurance Rates for Infrequent Drivers in Tucson? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance for Immigrants? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Safe Drivers in Tucson? (FAQ)
- Who Has Cheap Tucson Auto Insurance Rates for Electric Cars? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Teen Driving Statistics (GEICO)
- Understanding Limits and Deductibles (Allstate)
- What is Gap Insurance? (Insurance Information Institute)