How many times have you told yourself to find lower-priced insurance rates in Denver, CO? Denver consumers have options when looking for low-cost Jeep Liberty insurance. They can either spend hours contacting agents to get rate comparisons or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance so you’re going to learn the quickest way to compare rates for your Jeep and get the lowest price.
Consumers should take time to check insurance prices once or twice a year because insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates on Jeep Liberty insurance in Denver last year you will most likely find a better rate quote today. Ignore everything you know about insurance because it’s time to teach you one of the best ways to save money, get proper coverage and the best rates.
If you are insured now or are shopping for new coverage, use these techniques to buy cheaper insurance without reducing protection. These techniques will help educate you on the best methods to compare rates and how to save the most money. Drivers just have to learn the most efficient way to compare rate quotes online.
How to buy Denver Jeep Liberty insurance online
All the larger insurance companies provide coverage price quotes direct online. This process is quite simple because it’s just a matter of typing in the amount of coverage you want as requested by the quote form. Once entered, the system will obtain your driving and credit reports and generates a price based on the information you submitted.
This makes it a lot easier to compare rates and it’s very important to compare as many rates as possible in order to find the cheapest price possible.
To save time and compare pricing, compare rate quotes from the providers shown below. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. This guarantees you will have rate quotes based on similar coverages.
The providers in the list below are our best choices to provide free rate quotes in Colorado. If the list has multiple companies, it’s a good idea that you visit two to three different companies to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $226 | $440 | $396 | $24 | $118 | $1,204 | $100 |
| Liberty Limited 2WD | $160 | $268 | $456 | $28 | $136 | $1,048 | $87 |
| Liberty Renegade 4WD | $252 | $304 | $460 | $28 | $138 | $1,182 | $99 |
| Liberty Sport 4WD | $272 | $376 | $352 | $20 | $106 | $1,126 | $94 |
| Liberty Limited 4WD | $344 | $546 | $460 | $28 | $138 | $1,516 | $126 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium amounts do not factor in zip code location which can raise or lower price quotes significantly.
Can higher deductibles save money?
When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The comparisons below may aid in understanding the difference in cost when you choose different physical damage deductibles. The first data table uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $236 | $376 | $352 | $20 | $106 | $1,115 | $93 |
| Liberty Limited 2WD | $272 | $376 | $352 | $20 | $106 | $1,151 | $96 |
| Liberty Renegade 4WD | $272 | $376 | $352 | $20 | $106 | $1,151 | $96 |
| Liberty Sport 4WD | $272 | $376 | $352 | $20 | $106 | $1,151 | $96 |
| Liberty Limited 4WD | $272 | $458 | $352 | $20 | $106 | $1,233 | $103 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $146 | $236 | $352 | $20 | $106 | $860 | $72 |
| Liberty Limited 2WD | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Liberty Renegade 4WD | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Liberty Sport 4WD | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Liberty Limited 4WD | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location information which can impact coverage rates substantially.
Based on the above data, using a $250 deductible could cost the average driver approximately $23 more each month or $276 each year than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 33 months between claims, you would probably save some money if you elect the higher deductible. The numbers below show an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $97 |
| Average monthly premium for $1,000 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 33 months |
Policy deductibles
The example below demonstrates how choosing different deductibles and can affect Jeep Liberty yearly insurance costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Auto insurance is not optional but you don’t have to overpay
Even though it’s not necessarily cheap to insure a Jeep in Denver, insurance is required in Colorado but it also protects you in many ways.
- Almost all states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your vehicle has a lien holder, most banks will make it a condition of the loan that you have insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Jeep at an extremely high rate and force you to pay a much higher amount than you were paying before.
- Auto insurance preserves your car and your assets. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage will also pay for a defense attorney in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. As of last year, the average driver in Colorado overpays as much as $830 a year so it’s very important to do a rate comparison at least once a year to make sure the price is not too high.
Why you might not save $488 a year
Colorado consumers can’t get away from ads that claim the lowest premium rates from the likes of 21st Century, Allstate and State Farm. They all seem to advertise the message that drivers can save some big amount if you switch your policy.
How is it plausible that every one can give you a better price on Jeep Liberty insurance in Denver? You have to listen carefully.
Insurance providers have specific guidelines for the type of customer that is profitable for them. One example of a preferred risk may be between the ages of 40 and 55, has never had a policy lapse, and drives less than 10,000 miles a year. Any person that matches those criteria will get very good Denver premium rates and therefore will save when they switch companies.
Consumers who don’t measure up to the ideal profile may be forced to pay a higher rate and the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can lure you into getting a quote. This really emphasizes why it is so important to quote coverage with many companies. It is just not possible to predict which insurance companies will fit your personal profile best.
Auto insurance policy discounts for Jeep Liberty insurance in Denver
Car insurance companies do not advertise all their discounts very clearly, so the list below details some of the best known and the harder-to-find credits available to lower your premiums when you buy Denver car insurance online.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
- Accident Waiver – This one is not really a discount per se, but some insurance companies permit an accident without getting socked with a rate hike if you have no claims for a set time period.
- Denver Homeowners Pay Less – Just owning your own home can save you money because maintaining a house requires personal responsibility.
- Federal Employees – Employees or retirees of the government can save as much as 8% but check with your company.
- Discount for Low Mileage – Fewer annual miles on your Jeep could earn discounted auto insurance rates on garaged vehicles.
Don’t be shocked that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, companies don’t profit that way.
A few of the larger companies and a selection of discounts can be read below.
- American Family policyholders can earn discounts including TimeAway discount, mySafetyValet, bundled insurance, defensive driver, and early bird.
- State Farm offers discounts including good student, defensive driving training, driver’s education, Drive Safe & Save, and accident-free.
- 21st Century may have discounts that include air bags, automatic seat belts, homeowners, student driver, and anti-lock brakes.
- Travelers has discounts for new car, IntelliDrive, driver training, multi-car, and good student.
- GEICO may offer discounts for anti-theft, daytime running lights, seat belt use, membership and employees, anti-lock brakes, and multi-vehicle.
If you want affordable Jeep Liberty insurance quotes, ask every prospective company the best way to save money. A few discounts may not apply to policyholders in your state.
Insurance agencies can help
Certain consumers just prefer to buy from a local agent and that is not a bad decision Good insurance agents are very good at helping people manage risk and help in the event of a claim. An additional benefit of getting free rate quotes online is you may find lower rates and still have a local agent.
Once you complete this short form, your insurance coverage information is sent to companies in Denver that provide free Denver car insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to search for an agent since price quotes are sent to you directly. If you wish to compare prices from a specific insurance provider, you just need to jump over to their website to submit a rate quote request.
Picking an provider requires you to look at more than just a low price. Any agent in Denver should be willing to answer these questions.
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Which insurance companies are they affiliated with?
- Do they see any coverage gaps in your plan?
- Are there any discounts for paying up front?
- Do they have cheaper tiers of coverage?
- Are you getting all the discounts the company offers?
- Does the agency support the community they serve?
- Do they reduce claim amounts on high mileage vehicles?
When finding a local Denver insurance agency, it’s important to understand the types of insurance agents and how they differ in how they quote coverages. Agents are classified as either independent agents or exclusive agents. Either type can provide insurance policies, but it’s good to learn the differences because it can factor into your agent selection.
Exclusive Insurance Agencies
These agents can only provide pricing for a single company and examples are AAA, Allstate, and State Farm. These agents are unable to provide other company’s prices so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their products and sales techniques and that allows them to sell at a higher price point. Consumers often buy insurance from these agents partially due to the prominence of the brand rather than low rates.
Shown below are exclusive agencies in Denver who may provide you with price quotes.
- Todd Savage – State Farm Insurance Agent
2401 E 6th Ave – Denver, CO 80206 – (303) 722-1139 – View Map - Kelly Wells – State Farm Insurance Agent
1855 S Pearl St Ste 100 – Denver, CO 80210 – (303) 862-4579 – View Map - Hank Dorner – State Farm Insurance Agent
118 W 5th Ave – Denver, CO 80204 – (303) 280-1115 – View Map
Independent Insurance Agents
Agents that elect to be independent are not restricted to one company so they have the ability to put coverage amongst many companies and find you the best rates. To transfer your coverage to a different company, they simply move your policy to a different company and you won’t have to switch agencies. When comparison shopping, we highly recommend that you get some free quotes from multiple independent agents so that you have a good selection of quotes to compare. Most can insure with smaller regional carriers which can save you money.
The following are Denver independent insurance agencies who can help you get comparison quotes.
- Madison Insurance Group
600 S Cherry St #900 – Denver, CO 80246 – (800) 636-6185 – View Map - A Complete Home and Auto Insurance Agency
44 Cook St #100 – Denver, CO 80206 – (303) 650-0060 – View Map - FUSA Insurance Agency
7900 E Union Ave #200 – Denver, CO 80237 – (303) 752-5806 – View Map
Which policy gives me the best coverage?
When it comes to buying the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your insurance should be unique as well.
For example, these questions could help you determine if your insurance needs might need professional guidance.
- Do I have coverage when making deliveries for my home business?
- Is extra glass coverage worth it?
- What is UM/UIM insurance?
- Why am I be forced to buy a membership to get insurance from some companies?
- What is the ISO rating for a Jeep Liberty?
- Are rental cars covered under my policy?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.
You can find affordable coverage
The cheapest Jeep Liberty insurance in Denver can be found on the web and with local Denver insurance agents, so you should compare both in order to have the best chance of saving money. Some auto insurance companies don’t offer rates over the internet and these small insurance companies only sell through local independent agents.
You just learned a lot of information how to reduce Jeep Liberty insurance prices online in Denver. The key concept to understand is the more quotes you get, the higher your chance of finding inexpensive Denver car insurance quotes. Consumers could even find that the best price on auto insurance is with the least-expected company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.
Additional auto insurance information is available below:
- Booster Seat Ratings (iihs.org)
- Who Has Cheap Auto Insurance for a Company Car in Denver? (FAQ)
- How Much are Car Insurance Quotes for a Kia Optima in Denver? (FAQ)
- Who Has Cheap Denver Car Insurance Rates for 18 Year Olds? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)