Compare Jeep Liberty Insurance Rates in Irvine

Unbelievable but true according to a study over 70% of consumers have purchased from the same company for well over three years, and nearly 40% of drivers have never shopped around. Consumers in Irvine can save $500 each year just by shopping around, but they don’t believe the large savings they would see if they switched to a cheaper policy.

The most effective way to get discount auto insurance rates in Irvine is to regularly compare price quotes from providers in California. Drivers can shop around by following these guidelines.

1. Take a few minutes and learn about policy coverages and the factors you can control to keep rates down. Many policy risk factors that drive up the price like getting speeding tickets and a not-so-good credit rating can be improved by making minor changes in your lifestyle. This article gives ideas to prevent rate hikes and find overlooked discounts.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO or Allstate, while independent agencies can give you price quotes for a wide range of insurance providers.
3. Compare the price quotes to your current policy and see if you can save money. If you find better rates and buy the policy, verify that coverage does not lapse between policies.
4. Provide notification to your current agent or company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to your new insurance company. Don’t forget to keep the new certificate verifying coverage with your vehicle’s registration.

One thing to remember is to try to use the same physical damage deductibles and liability limits on each quote request and to quote with as many carriers as you can. This guarantees an apples-to-apples comparison and a thorough price selection.

Finding the cheapest auto insurance coverage in Irvine is actually not that difficult if you follow our advice. If you have insurance now, you will most likely be able to get lower rates using the concepts covered in this article. Drivers just have to understand the quickest method to compare prices over the internet.

Get cheaper Jeep Liberty insurance rates in Irvine

Car insurance is expensive, but you might be missing out on some discounts that many people don’t even know exist. Many discounts should be triggered at the time of quoting, but less common discounts must be specially asked for before being credited.

• Save over 55 – If you’re over the age of 55, you may qualify for a small decrease in premiums.
• Discounts for Federal Employees – Active or former government employment may qualify for a discount when you quote Irvine car insurance depending on your company.
• Student Discounts – Being a good student may save as much as 25% on a Irvine car insurance quote. You can use this discount normally well after school through age 25.
• Military Rewards – Being deployed with a military unit could qualify you for better premium rates.
• Save with More Vehicles Insured – Insuring multiple cars on a single policy may reduce the rate for each vehicle.
• Theft Prevention Discount – Cars with anti-theft systems can help prevent theft and earn discounts up to 10% off your Irvine car insurance quote.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if it’s offered in school.
• Own a Home – Just being a homeowner can earn you a little savings because owning a home is proof that your finances are in order.
• Telematics Data Discounts – People who choose to allow their insurance company to scrutinize their driving habits remotely like Allstate’s Drivewise could save a few bucks if they show good driving skills.

You should keep in mind that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

The diagram below illustrates the comparison of Jeep Liberty premium costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-policy, multi-car, and marriage discounts applied.

A few companies that may have most of these discounts may include but are not limited to:

• Farmers Insurance
• Esurance
• State Farm
• GEICO
• Allstate

If you want low cost Irvine car insurance quotes, ask each company or agent to apply every possible discount. Some discounts might not apply in your area. For a list of car insurance companies that provide some of the discounts listed above in California, click here to view.

Getting a cheaper price on insurance is surprisingly easy. All that’s required is to invest a few minutes comparing price quotes provided by online insurance companies.

The car insurance companies shown below are ready to provide comparison quotes in California. If multiple companies are listed, it’s a good idea that you visit several of them in order to find the lowest rates.

Jeep Liberty detailed coverage information

The data table displayed next covers detailed analysis of insurance coverage prices for Jeep Liberty models. Having insight into how prices are figured can help drivers make smart choices when choosing a car insurance company.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific zip code location which can raise or lower price quotes noticeably.

Can higher deductibles save money?

The hardest decision when buying coverage is where should you set your physical damage deductibles. The comparison tables below determine the costs and benefits between low and high insurance deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific Irvine garaging location which can influence rates substantially.

Based on the above data, using a $100 deductible will cost you about $39 more each month or $468 every year than quoting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 23 months between claims, you would more than likely save some money if you decide on a higher deductible. The numbers below show an example of how this decision is made.

One important issue to know is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket at claim time. You should have a higher level of savings in the event you need to pay more for the deductible.

The illustration below shows how choosing a deductible and can influence Jeep Liberty premium costs for each different age group. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Everyone needs different auto insurance coverages

Always keep in mind that when comparing the right insurance coverage, there really is no best way to insure your cars. Each situation is unique and your auto insurance should be unique as well.
These are some specific questions may help highlight whether you might need professional guidance.

• What does PIP insurance cover?
• What exactly is covered by my policy?
• What is the minimum liability in California?
• How long can I keep a teen driver on my policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• If my Jeep Liberty is totaled, can I afford another vehicle?
• Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Independent versus exclusive insurance agents

Many people prefer to have an agent’s advice and doing so can bring peace of mind Good agents can make sure you are properly covered and will help you if you have claims. One of the great benefits of comparing insurance prices online is you may find lower prices and still choose a local agent.

Upon completion of this simple form, the coverage information is emailed to agents in your area that can provide free Irvine car insurance quotes for your auto insurance coverage. You never need to leave your computer because quoted prices will be sent directly to you. In the event you want to quote rates from a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.

Picking an provider should include more criteria than just a cheap quote. Any agent in Irvine should have no problem answering these questions:

• Which companies can they place coverage with?
• Does the agency have a current Errors and Omissions policy?
• Is the quote a firm price?
• Are they giving you every discount you deserve?
• Is coverage determined by price?
• Who is covered by the car insurance policy?

How to choose the best auto insurance agent in Irvine

When looking for a reputable agency, there are a couple of different agency structures to choose from. Agents are classified as either independent or exclusive. Both types of agents can properly insure your vehicles, but it’s worth learning the difference between them since it may influence your selection of an agent.

Exclusive Insurance Agents

Exclusive agents can only write with one company like American Family, State Farm, and AAA. They generally cannot compare other company’s rates so it’s a take it or leave it situation. These agents are highly trained on their company’s products which can be an advantage. Consumers frequently purchase coverage from exclusives partially due to the brand name rather than low rates.

Shown below is a list of exclusive insurance agents in Irvine willing to provide comparison quotes.

• Ken LaTourette – State Farm Insurance Agent
  1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 – View Map
• Allstate Insurance: Kay Yang
  4255 Campus Dr A270 – Irvine, CA 92612 – (949) 509-2888 – View Map
• Farmers Insurance: James Lohse
  4850 Barranca Pkwy #202 – Irvine, CA 92604 – (949) 559-0175 – View Map

More insurance agents

Independent Auto Insurance Agents

Agents that choose to be independent are not employed by any specific company and that allows them to write policies with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply switch companies in-house which requires no work on your part. If you are comparing rate quotes, you will definitely want to get some free quotes from at least one independent agent to get the most accurate price comparison. Many independent agencies also insure through small regional insurance companies which can be an advantage.

Below are independent agencies in Irvine who can help you get rate quotes.

• Isu Insurance Services Irvine
  18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100 – View Map
• Sentry Insurance – Irvine
  16815 Von Karman Ave #200 – Irvine, CA 92606 – (949) 930-6100 – View Map
• California Agency Insurance
  17632 Irvine Blvd # 235 – Tustin, CA 92780 – (714) 731-8300 – View Map

More insurance agents

After receiving satisfactory answers to these questions in addition to an acceptable price estimate, it’s possible that you found an insurance agent that is a good match to provide auto insurance coverage.

Persistence will pay off

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are a lot of situations where drivers have reduced collision coverage to discover at claim time they didn’t purchase enough coverage. Your goal is to buy enough coverage at a price you can afford.

Some insurance providers may not offer the ability to get quotes online and most of the time these smaller companies only sell coverage through independent agents. More affordable auto insurance in Irvine can be purchased online and from local agencies, so you need to compare both to have the best selection.

We just showed you some good ideas how you can get a better price on Jeep Liberty insurance in Irvine. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with a small local company. These smaller insurers may only write in your state and offer lower prices than their larger competitors like Allstate and Progressive.

More detailed auto insurance information is available at these sites:

• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Who Has Affordable Irvine Auto Insurance Rates for State Employees? (FAQ)
• Auto Theft Statistics (Insurance Information Institute)
• Anti-Lock Brake FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Institute)