Are you searching for low-cost Jeep Liberty insurance in Columbia? Do you get exhausted from not being able to afford to keep your car insured? You're in the same situation as most other vehicle owners in South Carolina.

Insurance rates Jeep Liberty in ColumbiaA study showed that the vast majority of drivers kept their policy with the same company for a minimum of four years, and roughly 40% of drivers have never shopped around. With the average premium in South Carolina being $1,430, drivers can save hundreds of dollars each year, but they don't know the amount of savings they would get if they switched to a cheaper policy.

Having so many different company options, it's nearly impossible to pick a lower cost car insurance company.

When looking for cheaper Columbia auto insurance quotes, there are a couple ways to compare prices from many different South Carolina insurance companies. The best method to find cheaper Jeep Liberty rates involves getting comparison quotes online.

Online shopping is fast and free, and it replaces the need to spend time driving to all the different insurance agencies. The fact that you can get quotes online makes this unnecessary unless you require the peace of mind only provided by licensed agents. If you prefer, some companies allow you to price shop online but buy the policy through an agent.

Just keep in mind that comparing a large number of companies increases the chance that you will find the best rates. Some companies don't provide online Columbia Liberty insurance quotes, so you need to compare price estimates from the smaller companies as well.

The providers in the list below offer free rate quotes in Columbia, SC. If multiple companies are listed, we suggest you get price quotes from several of them to get a more complete price comparison.

Jeep Liberty Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $198 $376 $386 $22 $116 $1,098 $92
Liberty Limited 2WD $226 $362 $320 $18 $96 $1,022 $85
Liberty Renegade 4WD $180 $282 $460 $28 $138 $1,088 $91
Liberty Sport 4WD $214 $294 $342 $20 $102 $972 $81
Liberty Limited 4WD $226 $436 $386 $22 $116 $1,186 $99
Get Your Own Custom Quote Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in your specific Columbia location which can decrease or increase rates considerably.

Insurance premiums for males and females

The example below illustrates the difference between Jeep Liberty car insurance rates for male and female drivers. The information is based on no accidents or driving violations, full coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Cut your auto insurance rates with discounts

Companies that sell car insurance don't always advertise their entire list of discounts in an easy-to-find place, so we break down both well-publicized and the harder-to-find ways to save on auto insurance.Cheaper auto insurance with discounts

Remember that most discount credits are not given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, companies wouldn't make money that way. Any amount of discount will lower the amount you have to pay.

Large auto insurance companies and the discounts they provide are:

Before buying, ask each insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered in your state. For a list of auto insurance companies that can offer you the previously mentioned discounts in South Carolina, follow this link.

Comparing quotes from local Columbia car insurance agents

Many drivers just want to have an agent's advice and there is nothing wrong with that. One of the benefits of getting online price quotes is that you can find better rates and still have an agent to talk to.

Columbia insurance agentsAfter filling out this short form, your coverage information is immediately sent to local insurance agents in Columbia that can provide free Columbia auto insurance quotes for your business. There is no need to find an agent on your own because quoted prices will be sent directly to your email. You can find the lowest rates and an insurance agent to talk to. If for some reason you want to get a comparison quote from one company in particular, just jump over to their website and give them your coverage information.

Choosing an insurer should depend on more than just the price. Any agent in Columbia should be forthright in answering these questions:

Pick the best car insurance agent in Columbia for you

If you want a reputable insurance agent or broker, you need to know there are two different types of agents that you can choose from. Insurance agencies in Columbia are categorized either independent agents or exclusive agents.

Exclusive Auto Insurance Agents

Exclusive agencies write business for a single company such as State Farm, Allstate and AAA. Exclusive agents are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agencies are trained well on their company's products which helps offset the inability to provide other markets.

Listed below are Columbia exclusive agencies that are able to give price quote information.

1821 Clemson Rd #1 - Columbia, SC 29229 - (803) 865-7800 - View Map

Allstate Insurance - Steven Price Agency
2759 Rosewood Dr - Columbia, SC 29205 - (803) 779-4060 - View Map

111 Sparkleberry Crossing Rd #10 - Columbia, SC 29229 - (803) 788-9188 - View Map

More Columbia agents

Independent Insurance Agents

Agents that elect to be independent do not work for one specific company so as a result can place your coverage through lots of different companies and find the cheapest auto insurance rates. If they find a lower price, the business is moved internally and you don't have to do anything.

When comparing auto insurance prices, you absolutely need to include rate quotes from at least one independent agent to ensure the widest selection of prices.

Listed below are Columbia independent agencies that can give you price quote information.

1 Fernandina Ct - Columbia, SC 29212 - (803) 732-0060 - View Map

455 St Andrews Rd # A2 - Columbia, SC 29210 - (803) 772-3122 - View Map

607 Meeting St - West Columbia, SC 29169 - (803) 387-0712 - View Map

More Columbia agents

After you get positive responses to any questions you may have and an acceptable price quote, most likely you have located an auto insurance agent that is a good match to properly service your auto insurance policy.

It's not one size fits all

When it comes to choosing a policy, there really is no best way to insure your cars. Every insured's situation is different and your policy should reflect that.Car insurance savings Here are some questions about coverages that may help highlight if your situation might need an agent's assistance.

If you're not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

How do Insurers Determine Jeep Liberty Insurance Costs?

Lots of things are considered when you get your auto insurance bill. Some are obvious such as your driving history, but other factors are more obscure such as whether you are married or your vehicle rating.

The following are some of the most rate-impacting factors used by insurance companies to determine prices.

Three reasons car insurance is important

Despite the high cost of buying insurance for a Jeep Liberty in Columbia, paying for car insurance is required by state law in South Carolina and it also provides benefits you may not be aware of.

The benefits of having insurance are without a doubt worth the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $850 per year so compare rate quotes each time the policy renews to ensure rates are competitive.

Cheap rates are available

Cheap Jeep Liberty insurance in Columbia can be bought on the web in addition to many Columbia insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer the ability to get quotes online and these regional insurance providers provide coverage only through independent insurance agencies.

As you shop your coverage around, it's very important that you do not skimp on coverage in order to save money. In many cases, drivers have reduced liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best cost while not skimping on critical coverages.

Throughout this article, we presented a lot of information how to lower your Jeep Liberty insurance prices in Columbia. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding low cost Columbia auto insurance quotes. You may even find the lowest prices come from the least-expected company. They may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.

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