How to Compare Milwaukee Jeep Liberty Insurance

Are you looking for more competitive Jeep Liberty insurance in Milwaukee? Comparison shopping for more affordable Jeep Liberty insurance in Milwaukee may be challenging for drivers who have little experience buying insurance online. With such a large number of companies competing online, it can turn into a real hassle to find better rates on Jeep Liberty insurance.

Shocking but true, a large majority of drivers in Wisconsin have remained with the same auto insurance company for well over three years, and nearly half have never compared rate quotes at all. Many consumers in the U.S. could cut their rates by as much as $850 a year, but they underestimate how much they could save if they replace their high priced policy.

This article’s intent is to help you learn how to effectively get price quotes and also save some money in the process If you have insurance now, you will surely be able to lower your rates using this strategy. Although Wisconsin car owners need to learn how the larger insurance companies price insurance differently and apply this information to your search.

Buy Milwaukee Jeep Liberty insurance online

When comparison shopping, there are several ways to compare rate quotes from different companies. The recommended way to find cheaper Jeep Liberty rates involves getting comparison quotes online.

Just remember that quoting more gives you a better chance of getting the best price.

The companies in the list below provide quotes in Wisconsin. If the list has multiple companies, we suggest you visit two to three different companies in order to get a fair rate comparison.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific location information which can lower or raise prices noticeably.

Where to set your deductibles

The example below shows how choosing a deductible and can raise or lower Jeep Liberty insurance costs for each different age group. The information is based on a married male driver, full coverage, and no policy discounts are applied.

An analysis of deductible level

One common question asked by Milwaukee drivers is what deductibles to buy. The rates shown below sum up the differences in premium rates of buying low and high policy deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in vehicle garaging location which can increase or decrease rates significantly.

Based on the above data, using a $250 deductible costs roughly $9 more each month or $108 every year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 28 months between claim filings, you would probably save some money if you choose a higher deductible. The table below shows an example of how you can do this calculation yourself.

One important caveat is that raising deductibles to save money means you will have to pay more when you file a claim. That will force you to have some available funds in order to pay more to get your vehicle repaired.

You may qualify for discounts for Jeep Liberty insurance in Milwaukee

Some insurers don’t always advertise every policy discount in a way that’s easy to find, so the below list has a few of the more common as well as the least known credits available to you.

• Active Service Discounts – Being on active duty in the military can result in better rates.
• Paperwork-free – Some of the larger companies will give a small break shop Milwaukee auto insurance on the web.
• Cautious Driver Discount – Drivers without accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Seat Belt Discounts – Buckling up and requiring all passengers to use a seat belt could save 15% on the premium charged for medical payments and/or PIP.
• No Claims – Insureds who avoid accidents and claims have much lower rates when compared to drivers with a long claim history.
• Data Collection Discounts – Policyholders that allow companies to look at where and when they drive by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates as long as they are good drivers.
• Air Bag Discount – Factory air bags and/or automatic seat belt systems may get savings up to 30%.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.

A few of the larger companies and a partial list of their discounts are included below.

• GEICO may offer discounts for daytime running lights, emergency military deployment, defensive driver, multi-vehicle, seat belt use, and driver training.
• Travelers has savings for home ownership, hybrid/electric vehicle, payment discounts, multi-car, driver training, and continuous insurance.
• Farm Bureau offers premium reductions for 55 and retired, good student, driver training, safe driver, and renewal discount.
• Liberty Mutual may include discounts for newly retired, good student, multi-car, exclusive group savings, and new graduate.
• American Family includes discounts for multi-vehicle, good student, accident-free, bundled insurance, and TimeAway discount.
• Progressive may have discounts that include online signing, good student, continuous coverage, online quote discount, and multi-policy.

When getting a coverage quote, ask every insurance company which discounts they offer. All car insurance discounts may not be offered in your state. To find providers with discount car insurance rates in Wisconsin, click here.

Three reasons insurance is important

Even though it can be expensive, paying for insurance is mandatory in Wisconsin but it also protects more than you think.

• Just about all states have mandatory insurance requirements which means the state requires a specific level of liability insurance coverage in order to be legal. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Liberty has a lien holder, it’s most likely the lender will require you to buy full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Jeep at a more expensive rate and force you to pay the higher price.
• Insurance protects both your assets and your Jeep Liberty. It will also cover most medical and hospital costs incurred in an accident. As part of your policy, liability insurance will also pay to defend you if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of buying insurance outweigh the cost, especially with large liability claims. According to a recent study, the average American driver overpays as much as $869 every year so you should quote rates at every policy renewal to make sure the price is not too high.

Auto insurance agents are professional risk managers

Many drivers just want to have an agent’s advice and doing so can bring peace of mind A good thing about price shopping on the web is that you can obtain cheap insurance quotes and also buy local. And providing support for neighborhood insurance agencies is especially important in Milwaukee.

After filling out this simple form, your coverage information is instantly submitted to local insurance agents who will give competitive quotes for your coverage. You don’t have to leave your computer because quoted prices will be sent to your email. You can find better rates AND an agent nearby. If you wish to compare prices from a specific insurance company, don’t hesitate to search and find their rate quote page and fill out their quote form.

If you are wanting to find a reliable agent, you must know there are a couple different agency structures and how they can quote your rates. Insurance agencies in Milwaukee may be either exclusive agents or independent agents.

Independent Agencies or Brokers

These agents are not employed by any specific company and that is an advantage because they can write policies with multiple insurance companies and find the cheapest rate. If they find a lower price, they simply move the coverage in-house and you don’t have to switch agencies. When shopping rates, we highly recommend that you compare prices from at least one independent agent to ensure the widest selection of prices. Most also write with small mutual carriers that may provide cheaper insurance rates.

The following are Milwaukee independent insurance agencies that can give you competitive price quotes.

• Santiago Insurance Agency
  828 W Historic Mitchell St – Milwaukee, WI 53204 – (414) 727-8284 – View Map
• Dominguez Insurance Agency
  2016 W Howard Ave – Milwaukee, WI 53221 – (414) 282-5955 – View Map
• Unisource Insurance Associates, LLC
  10425 W North Ave #226 – Milwaukee, WI 53226 – (414) 774-7040 – View Map

More insurance agents

Exclusive Agencies

Agents in the exclusive channel write business for a single company such as Farmers Insurance and State Farm. They usually cannot place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are very knowledgeable on what they offer which helps overcome the inability to quote other rates. Many people buy from the same agent for years mainly due to loyalty to the company and strong financial ratings.

Listed below are Milwaukee exclusive agents who can help you get comparison quotes.

• American Family Insurance – Paul Rathkamp
  11805 W Hampton Ave – Milwaukee, WI 53225 – (414) 438-1515 – View Map
• American Family Insurance – Jaime Mercado
  709 W Layton Ave – Milwaukee, WI 53221 – (414) 481-4400 – View Map
• State Farm Insurance
  2121 S Kinnickinnic Ave #7 – Milwaukee, WI 53207 – (414) 483-3300 – View Map

More insurance agents

Picking an car insurance agent is decision based upon more than just the premium amount. Any good agent in Milwaukee should know the answers to these questions.

• Are there any hidden costs in their price quote and does it include driving and credit history?
• Is the agent and/or agency licensed to do business in Wisconsin?
• Do they assist clients in filing claims?
• Are they paid to recommend certain coverages?
• Do the companies they represent have a solid financial rating?