I am sure that the questions I need to ask have been asked before, but I always get off track when I do searches on these forums. Start looking at stuff that has nothing to do with what I need to know. Besides some people love giving advice to newbies.

So here goes, I am getting ready to possibly buy a Liberty. My experience with jeeps is limited to my old YJ and a little knowledge of the TJ's and XJ's.
1. I've seen a couple of threads reference the pre lowered Liberties. What is this and how does it affect lifting one and what year models were they.
2. Are there any year models to stay away from? I have looked at a couple of '03s and '04s.
3. Did anyones insurance jump way up buying a Liberty? If so what did you have before? I currently drive a Chevy 2500HD with the Duramax.
4. How is the fuel milage for you guys who are lifted running 245's? I would hope for 21-23 highway and 16-17 city. I am currently used to getting around that with my Duramax and I am not one to speed around every where I go. Any gearing issues going up to 245's? By the way I am looking at gassers and not the CRD. Would like the CRD, just not wanting to pay that much right now.
5. Does anybody on here regret buying thier Liberty? Why? ( I know, I am on a KJ site, but I thought I would ask anyways )
6. Are there any major differences between the Limited, the Sport, and the Renegade models other than the obvious stuff?
7. What is the factory gearing?
I know this is a lot of questions but I like to know what I am getting into before I jump in. Thanks for any info guys and gals. This seems like a really good site by the way.