Want to learn the secrets to finding more affordable Jeep Liberty insurance in Long Beach? I really doubt anyone likes paying for auto insurance, especially when they know they could get a better deal.
Anyone knows that insurance companies don’t want you to look for a cheaper policy. Consumers who shop around for cheaper price quotes are inclined to buy a new policy because there are good odds of finding coverage at a more affordable price. A study showed that people who compared prices once a year saved as much as $3,400 over four years as compared to drivers who never compared prices.
If finding the cheapest price on Jeep Liberty insurance is your ultimate objective, understanding how to compare insurance premiums can save time and make the process easier.
Insurance companies such as Progressive, GEICO and Farmers Insurance persitently shower you with catchy ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.
It’s a good habit to compare prices yearly because insurance prices fluctuate regularly. Even if you got the best deal on Jeep Liberty insurance in Long Beach a year ago there is a good chance you can find better premium rates now. Ignore everything you know about auto insurance because we’re going to demonstrate one of the quickest ways to eliminate unnecessary coverages and save money on Jeep Liberty insurance in Long Beach.
If you currently have a car insurance policy, you should be able to save money using the techniques presented in this article. Choosing the most cost-effective car insurance policy in Long Beach is not that difficult. Nevertheless, California consumers need to learn the way insurance companies compete online because rates fluctuate considerably.
Auto insurance policy discounts you can’t miss
Auto insurance is easily one of your largest bills, but there may be some discounts that may help make it more affordable. Some discounts will apply when you get a quote, but a few need to be specifically requested before you will receive the discount.
- Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
- Government Employees – Active or retired federal employment may qualify for a discount when you quote Long Beach auto insurance with a few auto insurance companies.
- Auto/Life Discount – Some auto insurance companies give a break if you buy life insurance.
- Military Deployment Discount – Being on active duty in the military may lower your prices slightly.
- Discounts for New Vehicles – Buying a new car instead of a used Liberty can save you some money because new vehicles keep occupants safer.
- Drivers Education – Have your child enroll in driver’s education as it will make them better drivers and lower rates.
- Driver Training Discounts – Taking part in a safe driver course can save you 5% or more and easily recoup the cost of the course.
- Professional Memberships – Participating in certain professional organizations could earn you a nice discount on your next auto insurance statement.
- No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on Long Beach auto insurance quote when compared with bad drivers.
Discounts lower rates, but most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.
The example below visualizes the comparison of Jeep Liberty car insurance costs with and without discounts applied to the policy rates. Data assumes a female driver, no claims or driving violations, California 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 multi-policy, claim-free, homeowner, multi-car, marriage, and safe-driver discounts applied.
Large auto insurance companies and a partial list of their discounts are:
- State Farm offers discounts including driver’s education, Steer Clear safe driver discount, student away at school, safe vehicle, good student, good driver, and anti-theft.
- GEICO may have discounts that include defensive driver, emergency military deployment, multi-policy, five-year accident-free, driver training, daytime running lights, and good student.
- Progressive offers premium reductions for multi-policy, online quote discount, homeowner, multi-vehicle, good student, and continuous coverage.
- 21st Century has discounts for air bags, homeowners, driver training, good student, student driver, and early bird.
- American Family may offer discounts for accident-free, bundled insurance, good driver, mySafetyValet, and multi-vehicle.
- The Hartford policyholders can earn discounts including defensive driver, bundle, air bag, driver training, and good student.
- AAA may include discounts for education and occupation, multi-car, AAA membership discount, pay-in-full, and good driver.
It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts listed above may not apply in your state. To see providers with the best Jeep Liberty insurance discounts in California, click here.
How much is Jeep Liberty insurance in Long Beach, CA?
When comparison shopping, obtaining a wide range of quotes increases the chance that you will find a lower rate than you’re paying now. Some regional insurers cannot provide online rate quotes, so it’s important to also get price quotes from the smaller companies as well.
The providers in the list below are ready to provide price comparisons in California. If your goal is to find cheap auto insurance in Long Beach, CA, we recommend you visit two to three different companies in order to get a fair rate comparison.
Insurance rate breakdown
The coverage information displayed next showcases different insurance premium costs for Jeep Liberty models. Being more informed about how insurance policy premiums are determined can be of help when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $378 | $564 | $578 | $34 | $174 | $1,728 | $144 |
| Liberty Limited 2WD | $434 | $564 | $578 | $34 | $174 | $1,784 | $149 |
| Liberty Renegade 4WD | $434 | $564 | $578 | $34 | $174 | $1,784 | $149 |
| Liberty Sport 4WD | $434 | $564 | $578 | $34 | $174 | $1,784 | $149 |
| Liberty Limited 4WD | $434 | $686 | $578 | $34 | $174 | $1,906 | $159 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in your specific Long Beach location which can decrease or increase prices greatly.
How high should deductibles be?
One of the hardest decisions when shopping for insurance is how high should the physical damage coverage deductibles be. The premium rates below lay out the costs and benefits when you select higher and lower comp and collision deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $298 | $472 | $442 | $26 | $132 | $1,395 | $116 |
| Liberty Limited 2WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Liberty Renegade 4WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Liberty Sport 4WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Liberty Limited 4WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Liberty Limited 2WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Liberty Renegade 4WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Liberty Sport 4WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Liberty Limited 4WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can increase or decrease coverage rates greatly.
We can derive from the above data that using a $250 deductible could cost the average driver approximately $15 more each month or $180 each year averaged for all Liberty models than opting for the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 17 months between claim filings, you would save more money by going with a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $250 deductibles: | $121 |
| Average monthly premium for $500 deductibles (subtract): | – $106 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important issue to know is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a comprehensive or collision claim. You need to make sure you have enough disposable savings in order to pay the deductible for vehicle repair.
The example below illustrates how your choice of deductibles and can impact Jeep Liberty insurance costs for different insured age categories. The data assumes a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Rate increases following a ticket or accident
The information below demonstrates how speeding tickets and at-fault accidents can affect Jeep Liberty insurance prices for each age group. The rates are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
Rate comparison of men versus women
The chart below visualizes the comparison of Jeep Liberty auto insurance costs for male and female drivers. The information is based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied.
Comparison of full coverage and liability-only policies
The illustration below illustrates the difference between Jeep Liberty insurance prices when comparing full coverage to liability only. The premiums are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no set rule for phasing out physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Jeep Liberty replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying your deductible. If you are paying over $200 a year for your policy with full coverage, then you might consider buying liability only.
There are a few cases where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Independent or exclusive car insurance agents
Some people just want to visit with an insurance agent and that is OK! One of the best bonuses of getting online price quotes is you may find cheap insurance rates and also buy local.
To find an agent, once you fill out this form (opens in new window), the quote information is immediately sent to agents in your area that can provide free Long Beach auto insurance quotes for your insurance coverage. You don’t have to contact any insurance agencies as quotes are delivered to your email. You’ll get the best rates AND a local agent. If you want to get a price quote from a particular provider, you just need to jump over to their website and fill out the quote form the provide.
Picking an insurance company requires you to look at more than just the bottom line cost. Any agent in Long Beach should be willing to answer these questions.
- Does the company have a solid financial rating?
- Is there a local claims center in Long Beach?
- Will the company cover a rental car if your car is getting fixed?
- If you have an accident, will your rates go up?
- How many years of experience in personal auto insurance do they have?
- Do they see any coverage gaps in your plan?
- Are they actively involved in the community?
Two types of Long Beach auto insurance agents
If you would like to find a reputable agency, you need to know there are two different types of agencies and how they function. Long Beach agents are either exclusive or independent (non-exclusive).
Exclusive Insurance Agents
Exclusive insurance agents are contracted to one company such as American Family, State Farm, and AAA. They are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled on the products they sell and that can be a competitive advantage.
Listed below are Long Beach exclusive insurance agencies that are able to give price quotes.
Peter Kong – State Farm Insurance Agent
2020 E Anaheim St – Long Beach, CA 90804 – (562) 438-8188 – View Map
Susie Atwood – State Farm Insurance Agent
5624 E 2nd St – Long Beach, CA 90803 – (562) 434-5729 – View Map
Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map
Independent Insurance Agents
Independent agencies can quote rates with many companies so they can write business with any number of different companies and get you the best rates possible. If your premiums go up, they simply move the coverage in-house and that require little work on your part. When comparing insurance prices, you will definitely want to compare prices from a few independent agents to get the best comparison.
Listed below is a short list of independent agencies in Long Beach willing to provide price quote information.
Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map
C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995 – View Map
Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map
Shop smart and save
Some insurance providers do not provide online price quotes and many times these small insurance companies sell through independent agencies. Cost effective Jeep Liberty insurance is attainable from both online companies as well as from insurance agents, so compare prices from both in order to have the best price selection to choose from.
Throughout this article, we presented some good ideas how you can lower your Jeep Liberty insurance auto insurance rates in Long Beach. The key thing to remember is the more quotes you get, the higher your chance of finding affordable Jeep Liberty insurance quotes. You may even find the best auto insurance rates are with the smaller companies. Regional companies may often insure only within specific states and give better rates than their larger competitors like Allstate, GEICO and Progressive.
Steps to saving money on Jeep Liberty insurance in Long Beach
Truthfully, the best way to find cheaper quotes for auto insurance rates in Long Beach is to do an annual price comparison from companies who provide auto insurance in California. Rate comparisons can be done by completing these steps.
First, spend some time learning about the coverage provided by your policy and the changes you can make to lower rates. Many factors that cause rate increases such as traffic violations and a not-so-good credit history can be remedied by making minor driving habit or lifestyle changes.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple sources. Start a quote
Third, compare the new quotes to your existing rates to see if cheaper Liberty coverage is available in Long Beach. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.
Fourth, provide notification to your current company of your intent to cancel the current policy. Submit a completed application and payment to your new carrier. Once coverage is bound, store the certificate of insurance in your vehicle’s glove compartment or console.
The key aspect of shopping around is to try to compare similar deductibles and liability limits on each quote request and and to get price estimates from as many companies as you can. This ensures a fair price comparison and the best price selection.
To read more, take a look at the articles below:
- Auto Theft Statistics (Insurance Information Institute)
- How Much is Long Beach Car Insurance for a Toyota Camry? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in Long Beach? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Nurses in Long Beach? (FAQ)
- How Much is Long Beach Auto Insurance for a Nissan Sentra? (FAQ)
- Who Has Affordable Car Insurance Quotes for Uninsured Drivers in Long Beach? (FAQ)
- Collision Coverage (Liberty Mutual)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)