Are you looking for more affordable Jeep Liberty insurance in Toledo? Finding more affordable coverage rates on Jeep Liberty insurance in Toledo could be slightly frustrating for drivers not familiar with buying insurance online. Drivers have so many options available that it can be a big hassle to compare prices in Ohio on Jeep Liberty insurance.
Steps to buying lower priced Jeep Liberty insurance in Toledo
If saving money is your primary concern, then the best way to find lower priced car insurance rates is to start doing an annual price comparison from companies who sell insurance in Toledo.
First, try to learn a little about coverages and the things you can control to keep rates in check. Many policy risk factors that result in higher rates such as getting speeding tickets and an imperfect credit rating can be eliminated by making minor changes to your lifestyle. This article provides information to keep prices down and earn a bigger discount.
Second, compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple companies.
Third, compare the new rate quotes to the premium of your current policy to see if cheaper Liberty coverage is available in Toledo. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
A tip to remember is to make sure you’re comparing identical limits and deductibles on each quote request and to quote with as many companies as you can. Doing this enables a fair price comparison and a good representation of prices.
Unbelievable but true, the vast majority of auto insurance customers kept their coverage with the same auto insurance company for well over three years, and virtually 40% of consumers have never shopped around. With the average auto insurance premium being $1,343, Ohio drivers could save almost 55% every year, but they don’t understand how simple it is to compare other rate quotes.
Best companies for Jeep Liberty insurance
The car insurance companies shown below have been selected to offer price quotes in Ohio. To get cheap auto insurance in Toledo, we suggest you visit two to three different companies in order to find the most competitive rates.
Jeep Liberty insurance rate analysis
The table shown below highlights estimates of insurance rates for Jeep Liberty models. Understanding more about how auto insurance policy rates are determined can aid in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $170 | $298 | $306 | $18 | $92 | $884 | $74 |
| Liberty Limited 2WD | $194 | $298 | $306 | $18 | $92 | $908 | $76 |
| Liberty Renegade 4WD | $194 | $298 | $306 | $18 | $92 | $908 | $76 |
| Liberty Sport 4WD | $194 | $298 | $306 | $18 | $92 | $908 | $76 |
| Liberty Limited 4WD | $194 | $364 | $306 | $18 | $92 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in specific zip code location which can influence premiums greatly.
Policy deductible comparison
A question often asked by Toledo drivers is how high or low should comp and collision deductibles be. The figures shown below sum up the differences in price between high and low insurance deductibles. The first set of rates uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $170 | $290 | $226 | $14 | $68 | $793 | $66 |
| Liberty Limited 2WD | $196 | $290 | $226 | $14 | $68 | $819 | $68 |
| Liberty Renegade 4WD | $196 | $290 | $226 | $14 | $68 | $819 | $68 |
| Liberty Sport 4WD | $196 | $290 | $226 | $14 | $68 | $819 | $68 |
| Liberty Limited 4WD | $196 | $352 | $226 | $14 | $68 | $881 | $73 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $94 | $152 | $226 | $14 | $68 | $554 | $46 |
| Liberty Limited 2WD | $108 | $152 | $226 | $14 | $68 | $568 | $47 |
| Liberty Renegade 4WD | $108 | $152 | $226 | $14 | $68 | $568 | $47 |
| Liberty Sport 4WD | $108 | $152 | $226 | $14 | $68 | $568 | $47 |
| Liberty Limited 4WD | $108 | $186 | $226 | $14 | $68 | $602 | $50 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can increase or decrease insurance rates greatly.
We can derive from the above data that using a $100 deductible would cost the average driver about $22 more each month or $264 for a full year across all Jeep Liberty models than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 41 months between claim filings, you would probably save some money by selecting a higher deductible.
The chart below demonstrates how choosing different deductibles and can influence Jeep Liberty annual premium costs for different age categories. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
Safe drivers Toledo pay cheaper rates
The diagram below shows how traffic citations and accidents can increase Jeep Liberty insurance premiums for different age categories. The rates are based on a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.
Auto insurance rates based on gender
The illustration below illustrates the difference between Jeep Liberty insurance costs for male and female drivers. The premium estimates are based on no violations or accidents, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied.
Does it make sense to buy full coverage?
The chart below illustrates the difference between Jeep Liberty premium costs with full coverage compared to only the Ohio minimum liability coverage. The prices are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no specific rule to exclude comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Jeep Liberty book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying your policy deductible. If premium cost is more than $400 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are a few situations where only buying liability is not advised. If you still have a lienholder on your title, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Toledo Insurance Prices are Influenced by These Factors
Many factors are part of the calculation when premium rates are determined. Some are pretty understandable such as traffic violations, but other criteria are less obvious like your vehicle usage or your financial responsibility. A large part of saving on insurance is knowing the factors that come into play when calculating the rates you pay for insurance. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can earn you lower premium levels.
- Car insurance liability coverage limits – The liability coverage on your policy will protect you if ever you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides legal defense to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
- Do you know your comp and collision deductibles? – The deductibles you choose represent how much money you are required to spend out-of-pocket before your insurance pays a claim. Insurance for physical damage, aka comp and collision, is used to repair damage to your car. Examples of covered claims would be collision with another vehicle, hail damage, and damage caused by road hazards. The larger the amount the insured is willing to pay, the less your company will charge you for insurance.
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Insurance premiums are higher for high performance vehicles – The type of car or truck you drive makes a huge difference in your premium level. The lowest performance passenger models generally receive the lowest base rates, but other factors influence the final cost greatly.
The following data uses these variables: married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It compares Jeep Liberty car insurance rates compared to other models that have a range of performances.
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Premiums are high for teenagers – Mature drivers are more responsible, file fewer claims, and get fewer tickets. Young drivers are statistically proven to be less responsible when behind the wheel therefore insurance rates are much higher.
The following chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Save with these discounts
Some insurance providers don’t always list every discount available in an easy-to-find place, so the list below contains some of the best known and also the more inconspicuous credits available to lower your premiums when you buy Toledo car insurance online.
- Early Payment Discounts – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
- Own a Home and Save – Owning a house in Toledo can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
- New Car Discount – Insuring a vehicle that is new can save up to 30% since newer models are generally safer.
- ABS Braking Discount – Cars with anti-lock braking systems have fewer accidents and will save you 10% or more on Liberty insurance in Toledo.
- Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
- Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off PIP or medical payments premium.
Consumers should know that most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.
The information below illustrates the comparison of Jeep Liberty insurance rates with and without discounts applied. The costs are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, marriage, claim-free, and homeowner discounts applied.
A few popular companies and the discounts they provide can be found below.
- State Farm may include discounts for multiple policy, passive restraint, student away at school, driver’s education, and defensive driving training.
- Nationwide offers discounts including multi-policy, anti-theft, family plan, easy pay, and defensive driving.
- GEICO has discounts for anti-lock brakes, good student, multi-policy, anti-theft, defensive driver, and membership and employees.
- AAA offers premium reductions for AAA membership discount, education and occupation, pay-in-full, anti-theft, good driver, multi-car, and good student.
- 21st Century may have discounts that include homeowners, defensive driver, driver training, automatic seat belts, air bags, and anti-lock brakes.
- The Hartford includes discounts for defensive driver, good student, bundle, anti-theft, driver training, and vehicle fuel type.
If you are trying to find cheaper Toledo car insurance quotes, ask all the companies how many discounts you can get. Depending on the company, some discounts might not be offered on policies in Toledo.
Get rate quotes but work with a local neighborhood Toledo car insurance agent
Some people would rather buy from a local agent and that can be a great decision One of the great benefits of price shopping on the web is the fact that drivers can get lower premium rates and still have an agent to talk to. Buying from local insurance agents is definitely important in Toledo.
After filling out this simple form, the quote information gets sent to insurance agents in Toledo who will gladly provide quotes for your coverage. You won’t need to visit any agencies as quotes are delivered instantly to you. It’s the lowest rates without the usual hassles of price shopping. If you have a need to get a price quote from a specific company, feel free to go to their quote page and complete a quote there.
Exclusive agents vs. Independent agents
If you want to buy insurance from a good Toledo insurance agent, it can be helpful to understand the types of agencies and how they function. Insurance policy providers can be classified as either exclusive or independent agents depending on their company appointments.
Independent Insurance Agencies
These agents are not restricted to one company so they can insure your vehicles through many companies and find you cheaper rates. If they quote lower rates, an independent agent can move your coverage and you stay with the same agent. When searching for an agent, you will want to include rate quotes from a couple of independent agencies in order to compare the most rates. Most independent agents also contract with companies you’ve never heard of which may provide better rates.
Listed below is a list of independent agencies in Toledo that may be able to provide price quote information.
- Kranz PJ Insurance Agency
4349 Talmadge Rd – Toledo, OH 43623 – (419) 473-2416 – View Map - Regan Insurance
3034 W Sylvania Ave – Toledo, OH 43613 – (419) 292-0001 – View Map - Gus Badra Insurance Agency
3454 Oak Alley Court, Suite 106 A, Toledo 43606 – Suite 106 A, OH 43606 – (419) 469-5522 – View Map
Exclusive Insurance Agents
These type of agents can only provide pricing for a single company like Allstate and State Farm. They are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates. Consumers often choose to use an exclusive agent partially due to the brand and the convenience of having all coverages with one company.
Below is a list of exclusive insurance agencies in Toledo who can help you get price quote information.
- Nathan Ensey – State Farm Insurance Agent
4024 N Holland Sylvania Rd Ste 6 – Toledo, OH 43623 – (419) 517-8811 – View Map - Farmers Insurance – Patrick Hogan
3700 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 517-5579 – View Map - Vince Davis State Farm Insurance
3344 Secor Rd – Toledo, OH 43606 – (419) 244-2904 – View Map
Picking an car insurance agent needs to be determined by more than just a cheap price quote. Any agent in Toledo should be forthright in answering these questions:
- When do they do policy reviews?
- Is there a local claims center in Toledo?
- How long has their agency been in business in Toledo?
- Will they give you a referral list?
- If you have an accident, will your rates go up?
Once you have received reasonable responses in addition to an acceptable price estimate, chances are good that you have found an insurance agency that is a good match to adequately provide insurance.
Different people need different car insurance coverages
When selecting a policy, there is no one size fits all plan. Everyone’s situation is unique and your car insurance should be unique as well.
For example, these questions might help in determining whether or not you could use an agent’s help.
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Will my insurance pay for OEM parts?
- Do I have coverage when pulling a U-Haul trailer?
- What states are considered no-fault?
- How high should my medical payments coverage be?
- Am I covered when delivering products for my home-based business?
- Do I really need UM/UIM coverage?
- Can I get a multi-policy discount?
- Am I covered if I hit someone who is not insured?
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
Quote more to save more
You just read many tips how you can save on Jeep Liberty insurance in Toledo. The key thing to remember is the more you quote Toledo car insurance, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from an unexpected company. Regional companies often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate or State Farm.
As you shop your coverage around, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced full coverage to discover at claim time they didn’t have enough coverage. The aim is to find the BEST coverage at the best possible price, not the least amount of coverage.
Steps to saving money on Jeep Liberty insurance in Toledo
If you want to save money, the best way to find better pricing on car insurance rates in Toledo is to compare prices annually from insurance carriers that insure vehicles in Ohio. You can shop around by following these guidelines.
First, spend a few minutes and learn about coverages and the modifications you can make to keep rates in check. Many rating criteria that drive up the price like multiple speeding tickets and an imperfect credit score can be controlled by making minor changes to your lifestyle.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from multiple insurance companies. Compare rates
Third, compare the new rate quotes to your existing rates and determine if there is any savings. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
A crucial key to this process is to make sure you’re comparing similar limits and deductibles on every quote request and and to get quotes from as many different insurance providers as possible. Doing this guarantees a fair price comparison and and a good selection of different prices.
For more information, feel free to browse the articles below:
- Car Insurance: When not to Skimp (BankRate.com)
- What Insurance is Cheapest for a Ford Fusion in Toledo? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Toyota Corolla in Toledo? (FAQ)
- What Car Insurance is Cheapest for a Honda Accord in Toledo? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Ford Focus in Toledo? (FAQ)
- Who Has Cheap Toledo Car Insurance Quotes for a Ford Escape? (FAQ)
- Learn About Car Insurance (GEICO)
- Rollover Crash FAQ (iihs.org)