How Much Does 2012 Jeep Liberty Insurance Cost?

Trying to find cheaper car insurance rates for your Jeep Liberty? Searching for cheaper insurance for your Jeep Liberty can normally be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to shop for car insurance so we’re going to tell you the best way to quote coverages for a Jeep and find the lowest price from both online companies and local agents.

How your Liberty insurance prices are determined

Part of the insurance coverage buying process is learning some of the factors that aid in calculating the price you pay for insurance coverage. When you know what positively or negatively determines premiums, this allows you to make educated decisions that could help you find lower premium levels. Lots of things are used when premium rates are determined. Some are obvious such as traffic violations, but others are more obscure such as whether you are married or how safe your car is.

  • Stress out and pay more – Occupational choices like military personnel, business owners and emergency personnel tend to have the highest average rates attributed to intense work situations and lengthy work days. Other professions such as actors, athletes and retirees have lower than average premiums on Liberty coverage.
  • Big cities have higher rates – Residing in less populated areas of the country can save you money when insuring your vehicles. Drivers in populated areas have congested traffic and higher rates of accident claims. Fewer drivers and short commutes means reduced accidents and a lower car theft rate.
  • Policy add-ons add up – Insurance companies have many optional add-on coverages that you can get tricked into buying on your Liberty policy. Add-on coverages like rental car reimbursement, accident forgiveness, and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Obey driving laws and save – Having a clean driving record impacts premiums far more than you think. Careful drivers get better rates than their less careful counterparts. Just one ticket can increase the cost of insurance twenty percent or more. Drivers who have multiple violations like DUI or willful reckless driving may face state-mandated requirements to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Lower insurance coverage rates with continuous insurance coverage coverage – Allowing your coverage to lapse is a quick way to increase your rates. And not only will your rates increase, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Experienced drivers pay less – Teenage drivers are statistically shown to be less responsible in a vehicle so they pay higher insurance coverage rates. Having to add a first-time driver to your policy will cause a huge premium hike. Older insureds are more cautious drivers, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Safer the car lower the rate – Safe vehicles tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and better occupant protection translates into savings for insurance companies which can result in lower premiums. If your Jeep Liberty scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • How much liability do you need? – A critical coverage on your policy, liability insurance will provide protection if you are found liable for damages from an accident. Your liability coverage provides you with a defense in court which can cost a lot. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Auto insurance discounts help reduce rates

Insurance can be prohibitively expensive, but you can get discounts that can dramatically reduce your bill. Certain reductions will be credited when you purchase, but some need to be requested specifically before they will apply.

  • Discounts for Good Drivers – Insureds without accidents can save up to 40% or more on their car insurance quote on Liberty coverage compared to accident prone drivers.
  • Drive Less and Save – Keeping the miles down on your Jeep could be rewarded with slightly better premium rates than normal.
  • Save with More Vehicles Insured – Buying a policy with all your vehicles with one company can reduce rates for all insured vehicles.
  • Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Professional Organizations – Having an affiliation with certain professional organizations is a simple method to lower premiums when shopping for auto insurance.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it’s just not the way it works.

The best auto insurance companies and a partial list of their discounts are shown below.

  • State Farm may offer discounts for good student, anti-theft, multiple policy, passive restraint, and multiple autos.
  • Esurance discounts include renters, emergency road assistance, online shopper, Switch & Save, defensive driver, claim free, and good student.
  • Progressive offers discounts for homeowner, continuous coverage, multi-vehicle, online signing, good student, multi-policy, and online quote discount.
  • Liberty Mutual has savings for hybrid vehicle, newly retired, good student, newly married, new move discount, and new graduate.
  • Auto-Owners Insurance has discounts for paid in full, group or association, safe driver, multi-policy, and student away at school.
  • Geico includes discounts for driver training, multi-vehicle, air bags, emergency military deployment, and good student.

Before buying, ask each insurance company to give you their best rates. Some discounts listed above might not apply in your area. If you would like to choose from a list of insurance companies that have a full spectrum of discounts, click here to view.

Which is the best auto insurance?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

These are some specific questions may help you determine if your insurance needs will benefit from professional help.

  • Do I need more liability coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How does medical payments coverage work?
  • What is no-fault insurance?
  • Is my camper covered by my car insurance policy?
  • Am I covered when using my vehicle for business?
  • Do I need higher collision deductibles?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability insurance – Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like funeral expenses, medical expenses, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, prosthetic devices and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your Liberty resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

More quotes mean more savings

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an insured cut full coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price while still protecting your assets.

Budget-conscious 2012 Jeep Liberty insurance is attainable on the web and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies may not offer internet price quotes and many times these regional carriers only sell through local independent agencies.

Throughout this article, we presented some good ideas how to compare 2012 Jeep Liberty insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper car insurance. Drivers may discover the best price on insurance is with the least-expected company.

More information is located on the following sites:

Comments About 2012 Jeep Liberty Insurance

  1. Katy Rojas

    Not sure if this is cheap. I’m in the north part of Charlotte, North Carolina. I compared lots of rates. Saved darn near $50 a month. Progressive was the cheapest option for me.

  2. Carla Key

    Thanks for putting this site together. Found cheapest coverage with Hartford for my Liberty and saved around $120 a year. Insured with Allstate before. Hopefully won’t need it. Might find lower rates online.

  3. Sage Valentine

    If you’re around Kansas City, Missouri try Allstate and GEICO and see which is cheaper.

  4. Bok Cameron

    I chose to switch to 21st Century from American Family. I live in Fargo, ND. Insured with AIG Insurance before.

  5. Tabatha Quinn

    I’m in Oklahoma City, Oklahoma. I quoted with State Farm, Amica, and Encompass for my Liberty and saved $411 a year. Got better coverage too.

  6. See Lester

    I was with Liberty Mutual last year but switched to GEICO. I live in a small town just outside of Hartford, CT. Insured with USAA before.

  7. Alisia French

    Here’s what I found out. Located in Lexington, Kentucky. Received prices from Amica, Sentry, and a few others for my Liberty and I think I saved about $40 each month. Insured with Sentry before. I have several vehicles insured with them.

  8. Jenine Dejesus

    GEICO was cheapest for my 2012 Jeep Liberty in Nashua, NH.

  9. Yu Goodman

    Enjoyed the article. I live in Baton Rouge, LA. Not sure of all the companies but I ended up saving about $50 each month. Highly recommended.

  10. Rhona Perez

    Mine is so expensive. I’m just south of Cincinnati, OH. Checked online prices for a 2012 Jeep Liberty. Ended up at about $460 savings annually. Went with GEICO.

  11. Marth Mcintyre

    I live east of Burlington, VT. Not sure of all the companies but I ended up saving about $30 each month. Left Hartford to switch. It never hurts to quote around.

  12. Corrinne Huber

    Do I have to have car insurance in Illinois?

  13. Zula Hardy

    If you don’t have tickets and are close to Fargo, ND, check out GEICO. They seem to be cheaper. :P

  14. Kristine Martinez

    I found affordable 2012 Jeep Liberty insurance from 21st Century in Worcester, MA.

  15. Cara Armstrong

    I found cheap 2012 Jeep Liberty insurance in Bellevue, NE with Allstate.

  16. Kenneth Puckett

    Well-written and thought out article. I live just outside Davenport, IA. Quoted with 21st Century, Auto-Owners, and Erie for my Jeep and am saving around $440 a year. Left Sentry to switch.