2010 Jeep Liberty Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 23, 2024

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Trying to find lower insurance rates for your Jeep Liberty? Did budget coverage turn out to be an expensive insurance policy? It’s a common feeling and there are many drivers thinking the same thing.

Popular companies such as State Farm, Progressive and GEICO continually bombard you with advertising and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s a great practice to compare prices before your policy renews because rates change quite often. If you had the lowest rate for Liberty coverage last year the chances are good that you can find a lower price today. Don’t believe everything you read about insurance online, but in a few minutes you can learn some of the best ways to save money.

Discounts for cheap auto insurance quotes

Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we researched a few of the more common and the harder-to-find credits available to lower your premiums when you buy insurance coverage online.

  • Discount for Home Ownership – Owning a house can save a few bucks because maintaining a house is proof of financial responsibility.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Student in College – Children who attend college more than 100 miles from home and do not have a car may qualify for this discount.
  • Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Senior Discount – Older drivers are able to get a discount up to 10% for Liberty coverage.
  • Early Renewal Discounts – Some auto insurance companies reward drivers for switching to them before your current coverage expires. You can save around 10% with this discount.

Please keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

Larger auto insurance companies and some of the premium reductions they offer are outlined below.

  • 21st Century offers discounts including student driver, driver training, anti-lock brakes, theft prevention, and automatic seat belts.
  • Progressive policyholders can earn discounts including online quote discount, continuous coverage, multi-policy, multi-vehicle, good student, online signing, and homeowner.
  • State Farm has discounts for Drive Safe & Save, driver’s education, good driver, anti-theft, and multiple autos.
  • Nationwide offers discounts for Farm Bureau membership, multi-policy, anti-theft, easy pay, family plan, and accident-free.
  • Esurance discounts include good student, Switch & Save, emergency road assistance, multi-car, DriveSense, paid-in-full, and anti-lock brakes.
  • The Hartford may offer discounts for anti-theft, driver training, defensive driver, vehicle fuel type, good student, air bag, and bundle.

If you need inexpensive insurance coverage quotes, ask all the companies to give you their best rates. Discounts might not be available to policyholders in your state.

Where can I get cheap insurance?

Performing a rate comparison can be a lot of work if you don’t utilize the easiest way. You can waste a few hours (or days) talking to insurance companies in your area, or you can utilize online quotes to get the quickest rates.

Most car insurance companies participate in a marketplace where insurance shoppers submit their information once, and every company provides a quote for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for.

To compare rates using this form now enter your zip code here.

The only drawback to using this type of system is buyers cannot specifically choose the insurers to get quotes from. So if you want to choose specific providers to request quotes from, we have a listing of the cheapest insurance companies in your area. Click to enter zip code.

It doesn’t matter which method you choose, just try to keep the exact same coverage limits with every price quote. If each company quotes differing limits you can’t possibly find the best deal for your Jeep Liberty. Just a small difference in limits may cause a big price difference. And when price shopping your coverage, comparing a wide range of rates gives you a better chance of getting more affordable insurance.

You may need specialized auto insurance coverage

When choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help highlight if you might need an agent’s assistance.

  • Will my insurance pay for OEM parts?
  • Is my babysitter covered when using my vehicle?
  • Is my teen driver covered when they drive my company car?
  • Can I rate high risk drivers on liability-only vehicles?
  • How do I buy GAP insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I waive the damage coverage when renting a car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is a fancy paint job covered?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and enter your zip code.

Insurance coverage options for a Jeep Liberty

Learning about specific coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, backing into a parked car and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Liberty.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane, hitting a deer and hitting a bird. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for things like dental work, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

This protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, bail bonds, medical services, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

More comparisons equals lower rates

We’ve covered a lot of techniques to save on 2010 Jeep Liberty insurance. It’s most important to understand that the more you quote insurance coverage, the higher your chance of finding affordable insurance coverage. You may even find the lowest prices come from a lesser-known regional company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your objective should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.

Lower-priced car insurance can be found online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer online quoting and usually these smaller companies sell through independent agents.

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