5 Discounts Las Vegas Drivers Forget when Insurance Shopping Online for a Jeep Liberty
Are you sick and tired of trying to scrape together enough money each month for car insurance? You are in the same boat as most other car owners in Nevada.
Having so many companies to choose from, it can be challenging to locate the cheapest company.
Smart consumers take time to shop coverage around once or twice a year due to the fact that insurance rates are usually higher with each renewal. If you had the best price for Liberty insurance two years ago you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the best ways to save money, get proper coverage and the best rates.
Pay less by taking advantage of these 5 discounts
Companies offering auto insurance don’t necessarily list every discount in a way that’s easy to find, so here is a list both the well known and the more hidden savings tricks you should be using.
- Life Insurance Discount – Some companies give lower rates if you buy life insurance from them.
- Low Mileage Discounts – Low mileage vehicles can qualify you for a substantially lower rate.
- Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates on car insurance for Liberty insurance.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
- Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
Drivers should understand that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
To see a list of providers who offer car insurance discounts in Nevada, follow this link.
Comprehensive Las Vegas Car Insurance Comparison Quotes
The are a couple different ways of comparing rates and find the best price. The easiest way by far to find the cheapest Jeep Liberty insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The fastest way to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form prevents you from having to do separate quote forms for each company. One form submission gets rate comparisons from car insurance companies with the best prices.
- A slightly less efficient method to get comparison quotes requires a visit to the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll pretend you want comparison quotes from Farmers, Esurance and Allstate. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in Las Vegas, click here.
Which method you use is up to you, but compare exactly the same quote information on every quote you get. If you have unequal deductibles or liability limits you can’t possibly find the best deal for your Jeep Liberty in Las Vegas. Quoting even small variations in limits may result in large price differences. It’s important to know that comparing more company’s prices helps you find a lower rate.
Auto insurance 101
Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.
Uninsured and underinsured coverage
This provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Jeep Liberty.
Because many people carry very low liability coverage limits (15/30/10 in Nevada), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance pay for bills for chiropractic care, ambulance fees, doctor visits, nursing services and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision protection
Collision coverage pays for damage to your Liberty caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like damaging your car on a curb, hitting a mailbox, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Comprehensive coverages
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from flooding, vandalism, fire damage and falling objects. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Auto liability
Liability insurance protects you from damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability coverage pays for things like medical services, repair costs for stationary objects, medical expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as much as you can afford. Nevada requires drivers to carry at least 15,000/30,000/10,000 but you should think about purchasing more coverage.
Keep this in mind
In this article, we presented a lot of tips how to compare Jeep Liberty insurance prices online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.
As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed full coverage and learned later they didn’t have enough coverage. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.
Cheap Jeep Liberty insurance can be purchased online and with local Las Vegas insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not offer online price quotes and these small insurance companies work with independent agents.
Even more information is located at the Nevada Division of Insurance website. Nevada drivers can read enforcement actions against agents and companies, learn about insurance regulations, read industry bulletins, and download brochures.
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