It’s well known that auto insurance companies want to keep you from shopping around. Drivers who compare rates once a year are very likely to switch auto insurance companies because there is a good probability of finding lower rate quotes. A study showed that consumers who compared rates once a year saved $72 a month compared to policyholders who never shopped around for cheaper prices.
If finding the lowest rates on insurance is your intention, knowing how to find and compare insurance rates can help you be more efficient.
If you want to save the most money, the best way to find cheaper prices for Jeep Liberty insurance in Corpus Christi is to compare prices regularly from different companies who sell insurance in Texas. You can compare prices by following these steps.
First, gain an understanding of individual coverages and the steps you can take to keep rates in check. Many things that cause high rates such as getting speeding tickets and an imperfect credit rating can be controlled by making minor driving habit or lifestyle changes. This article provides instructions to get lower rates and get discounts that may be available to you.
Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can provide rate quotes for a wide range of insurance providers. View a list of agents
Third, compare the price quotes to your existing coverage to determine if you can save on Liberty insurance. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
Fourth, tell your current agent or company to cancel your existing policy and submit the signed application along with the required initial payment for your new coverage. As soon as you can, put the new certificate of insurance in a readily accessible location in your vehicle.
The most important part of this process is that you’ll want to compare the same amount of coverage on every quote request and and to get prices from as many companies as possible. Doing this enables the most accurate price comparison and a complete price analysis.
If you have insurance now, you should be able to get lower rates using the ideas presented in this article. Buying the cheapest auto insurance in Corpus Christi is not that difficult as long as you know where to start. But Texas consumers do need to understand how insurance companies determine premium rates and use this information to your advantage.
Just keep in mind that making a lot of price comparisons will enable you to find lower pricing.
The following companies are our best choices to provide free rate quotes in Texas. To buy the cheapest car insurance in TX, we recommend you get price quotes from several of them to get the best price comparison.
Insurance coverage details
The coverage table below highlights a range of rate quotes for Jeep Liberty models. Having a good understanding how rate quotes are formulated can assist in making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $246 | $476 | $430 | $26 | $128 | $1,306 | $109 |
| Liberty Limited 2WD | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Liberty Renegade 4WD | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Liberty Sport 4WD | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Liberty Limited 4WD | $282 | $580 | $430 | $26 | $128 | $1,446 | $121 |
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can decrease or increase prices considerably.
The information below highlights how deductible choice and can increase or decrease Jeep Liberty yearly insurance costs for each age group. Data assumes a married female driver, comp and collision included, and no other discounts are factored in.
Accidents and violations increase rates
The chart below shows how speeding tickets and accidents influence Jeep Liberty auto insurance rates for different age categories. The premium estimates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Rate comparison of males versus females in Corpus Christi
The chart below shows the difference between Jeep Liberty insurance premiums for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The illustration below shows the difference between Jeep Liberty insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or accidents, $250 deductibles, drivers are single, and no discounts are taken into consideration.
When to stop paying for full coverage
There is no definitive guideline to stop buying physical damage coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Jeep Liberty settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after the policy deductible has been paid. If you are paying over $500 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some cases where only buying liability is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
What if I want to buy from local Corpus Christi auto insurance agents?
Some consumers just want to buy from a local agent and often times that is recommended One of the best bonuses of comparing rates online is the fact that drivers can get cheaper car insurance rates and still buy from a local agent.
To find an agent, once you fill out this short form, your coverage information is sent to companies in Corpus Christi that give free quotes and help you find cheaper coverage. You won’t need to visit any agencies since rate quotes are delivered to the email address you provide. Get lower rates and work with a local agent. If for some reason you want to get a price quote from a specific company, don’t hesitate to visit that company’s website and give them your coverage information.
Choosing the best insurance company requires more thought than just the price. Here are some questions you should ask.
- How is replacement cost determined on your vehicle?
- Do they see any coverage gaps in your plan?
- Are they giving you every discount you deserve?
- Is every driver in your family covered?
- How are claims handled?
How to find a good Texas auto insurance company
Buying coverage from the best insurance company can be a challenge considering how many companies there are to choose from in Corpus Christi. The company rank data in the lists below may help you select which car insurance companies to look at buying from.
Top 10 Corpus Christi Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%