Best Jeep Liberty Insurance in Cincinnati

Discount Jeep Liberty insuranceA recent survey discovered that most consumers have purchased from the same company for more than four years, and 38% of drivers have never compared car insurance rates at all. Ohio drivers could cut their rates by roughly 55% a year, but they just feel it’s too hard to find affordable insurance by shopping around.

The best way we recommend to get affordable Jeep Liberty insurance is to start comparing prices regularly from insurers in Cincinnati. Rate comparisons can be done by completing these steps.

  1. Get a basic knowledge of how companies price auto insurance and the things you can control to lower rates. Many factors that are responsible for high rates such as accidents, traffic tickets, and an imperfect credit score can be eliminated by making minor changes to your lifestyle. Keep reading for tips to help find cheaper rates and get additional discounts that may be available.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can provide prices for a wide range of companies. Get quotes now
  3. Compare the new quotes to your existing rates to see if a cheaper rate is available in Cincinnati. If you find better rates and change companies, ensure coverage does not lapse between policies.
  4. Notify your company or agent of your intent to cancel your current auto insurance policy and submit the required down payment along with the signed application for your new policy. Make sure you keep the new certificate verifying coverage along with your vehicle registration.

One key aspect of rate comparisons is to try to compare the same level of coverage on each quote and and to get quotes from all possible companies. Doing this guarantees the most accurate price comparison and a complete selection of prices.

Analysis of coverages

The information below outlines estimates of coverage prices for Jeep Liberty models. Being more informed about how insurance policy premiums are established helps drivers make decisions on the best policy coverages.

Jeep Liberty Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $92 $176 $274 $16 $82 $640 $53
Liberty Limited 2WD $106 $176 $274 $16 $82 $654 $55
Liberty Renegade 4WD $106 $176 $274 $16 $82 $654 $55
Liberty Sport 4WD $106 $176 $274 $16 $82 $654 $55
Liberty Limited 4WD $106 $214 $274 $16 $82 $692 $58
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in your specific Cincinnati location which can affect prices substantially.

Insurance deductibles

When comparing insurance rates, the most common question is how high should the deductibles for physical damage be. The following tables help summarize the premium difference when you buy lower versus higher physical damage deductibles. The first pricing table uses a $100 deductible and the second data table uses a $1,000 deductible.

Jeep Liberty insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $170 $290 $226 $14 $68 $793 $66
Liberty Limited 2WD $196 $290 $226 $14 $68 $819 $68
Liberty Renegade 4WD $196 $290 $226 $14 $68 $819 $68
Liberty Sport 4WD $196 $290 $226 $14 $68 $819 $68
Liberty Limited 4WD $196 $352 $226 $14 $68 $881 $73
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Jeep Liberty insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $94 $152 $226 $14 $68 $554 $46
Liberty Limited 2WD $108 $152 $226 $14 $68 $568 $47
Liberty Renegade 4WD $108 $152 $226 $14 $68 $568 $47
Liberty Sport 4WD $108 $152 $226 $14 $68 $568 $47
Liberty Limited 4WD $108 $186 $226 $14 $68 $602 $50
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence premium rates significantly.

Based on the above data, using a $100 deductible would cost the average driver about $22 more each month or $264 annually averaged for all Liberty models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 41 months between claims, you would come out ahead if you opt for a higher deductible.

The information below demonstrates how choosing different deductibles and can impact Jeep Liberty premium costs for different age categories. The rate quotes are based on a single female driver, full coverage, and no other discounts are factored in.

Safe drivers pay less for insurance

The information below highlights how speeding tickets and accidents increase Jeep Liberty insurance costs for different ages of insureds. Data assumes a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Informed Consumers Know How to Find Insurance More Affordably

Smart consumers have a good feel for a few of the rating criteria that come into play when calculating your policy premiums. If you know what controls the rates you pay, this allows you to make good choices that will entitle you to cheaper rates.

Low credit score equals high rates – A driver’s credit score can be an important factor in determining your rates. If your credit history can be improved, you could pay less to insure your Jeep Liberty if you improve your credit rating. Consumers who have very high credit ratings tend to be better drivers and file fewer claims than those with lower ratings.

Small claims can cost you – Insurance companies in Ohio award cheaper rates to insureds who file claims infrequently. If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.

Don’t let your insurance policy lapse – Driving your car without having proper coverage is a big no-no and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, failure to provide proof of insurance can result in fines and jail time.

Do you need those extra policy coverages? – Insurance companies have many additional extra coverages that you can get tricked into buying but may not be useful. Things like coverage for rental cars, accidental death, and additional equipment coverage could be just wasting money. They may seem like a good idea at first, but your needs may have changed so remove them from your policy.

Ratings for Cincinnati auto insurance companies

Picking a good quality car insurance company is difficult considering how many different companies there are to choose from in Ohio. The rank data displayed below could help you choose which insurers to look at when comparing rate quotes.

Top 10 Cincinnati Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. The General

Top 10 Cincinnati Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

Affordable auto insurance premiums are possible

Cheaper Jeep Liberty insurance in Cincinnati can be sourced on the web and also from your neighborhood Cincinnati agents, and you should be comparing both to have the best selection. There are still a few companies who may not provide online price quotes and usually these regional carriers provide coverage only through independent insurance agents.

In this article, we presented quite a bit of information on how to find cheaper Jeep Liberty insurance in Cincinnati. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the best car insurance rates are with a small local company. These companies can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive and GEICO.

Additional detailed information can be found in the articles below: