Insurance for Jeep LibertyWould you like an easy way to compare the cheapest Jeep Liberty insurance in Aurora? Do you get exhausted from not being able to scrape enough together each month for car insurance? You're in the same situation as most other people in Colorado.

A recent car insurance study revealed that most drivers have purchased from the same company for well over three years, and almost 40% of drivers have never compared rate quotes at all. Many consumers in Aurora could save an average of up to 35% each year just by shopping around, but they underestimate the amount of money they would save if they switched to a more affordable policy.

You have multiple car insurance companies to purchase coverage from, and though it is a good thing to have a selection, more choices can make it harder to compare rates for Jeep Liberty insurance in Aurora.

You need to compare prices yearly due to the fact that insurance prices change frequently. Even if you got the lowest quotes on Jeep Liberty insurance in Aurora last year you may be paying too much now. Ignore everything you know about car insurance because we're going to demonstrate the only way to properly buy coverages while reducing your premium.

Discount Aurora car insurance quotes

Buying car insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time of purchase, but some must be manually applied before you will receive the discount. If you are not receiving all the discounts available, it's possible you qualify for a lower rate.

As a footnote on discounts, most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, it just doesn't work that way.

Companies who might offer these discounts include:

Before buying, ask each company which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your state. If you would like to see a list of car insurance companies who offer discounts in Colorado, click here.

When price shopping your coverage, having more price comparisons will increase your chances of finding lower pricing.

The providers in the list below offer comparison quotes in Colorado. If multiple companies are shown, we recommend you visit several of them to get a more complete price comparison.

Jeep Liberty Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $126 $232 $368 $22 $110 $858 $72
Liberty Limited 2WD $290 $506 $456 $28 $136 $1,416 $118
Liberty Renegade 4WD $214 $298 $358 $22 $108 $1,000 $83
Liberty Sport 4WD $130 $196 $330 $20 $98 $774 $65
Liberty Limited 4WD $200 $340 $362 $22 $108 $1,032 $86
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific zip code location which can alter coverage prices significantly.

Drive responsibly or pay higher rates

The information below highlights how speeding tickets and fender-benders drive up Jeep Liberty insurance premiums for different age groups. The rate quotes are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Cost of full coverage

The information below visualizes the comparison of Jeep Liberty auto insurance costs with full coverage and liability only. The premiums assume no accidents or driving violations, $250 deductibles, married female driver, and no discounts are applied.

When to drop comp and collision

There is no clear-cut rule to eliminate full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Jeep Liberty book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after paying your policy deductible. If it's costing in excess of $300 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not a good idea. If you haven't paid off your loan, you have to carry full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Deductible comparison

One of the most common auto insurance questions is what deductibles to buy. The data tables below determine how much more rates are when you choose different physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Jeep Liberty insurance premium estimates with $250 deductibles
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
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Jeep Liberty insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $192 $304 $352 $20 $106 $974 $81
Liberty Limited 2WD $220 $304 $352 $20 $106 $1,002 $84
Liberty Renegade 4WD $220 $304 $352 $20 $106 $1,002 $84
Liberty Sport 4WD $220 $304 $352 $20 $106 $1,002 $84
Liberty Limited 4WD $220 $368 $352 $20 $106 $1,066 $89
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in garaging location in Aurora which can raise or lower premiums noticeably.

Based on the figures above, using a $250 deductible would cost the average driver about $13 more each month or $156 annually than quoting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 19 months between claims, you would probably be better off if you decide on a higher deductible. The numbers below show how we made this calculation.

Average monthly premium for $250 deductibles: $97
Average monthly premium for $500 deductibles (subtract): - $84
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One thing to note is that raising deductibles means you will have to pay more when you do file a claim. You will want to have some money saved in order to pay the higher deductible.

Why You Might Pay Lower Rates in Aurora

A large part of saving on auto insurance is knowing some of the factors that come into play when calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay, this enables informed choices that can help you get lower auto insurance prices.

The itemized list below are most of the major factors utilized by car insurance companies to help set your premiums.

Which policy gives me the best coverage?

When it comes to buying a policy, there is no cookie cutter policy. Every insured's situation is different.

These are some specific questions can aid in determining if you may require specific advice.

If you're not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance agents can help

A lot of people still prefer to sit down with an agent and that is just fine! The biggest benefit of comparing auto insurance online is that drivers can save money and get cheap auto insurance rates and also buy local. Supporting neighborhood insurance agencies is definitely important in Aurora.

Find insurance agent in AuroraBy using this short form, your insurance coverage information is submitted to local insurance agents who want to provide quotes for your business. It makes it easy because there is no need to visit any agencies because prices are sent directly to you. You can find lower rates AND a local agent. If you have a need to get a rate quote from a specific auto insurance provider, you would need to visit that company's website to submit a rate quote request.

Exclusive or Independent: There is a difference

When finding a local Aurora insurance agency, it helps to know the two types of agencies and how they differ in how they quote coverages. Auto insurance agents are categorized either exclusive or independent.

Independent Auto Insurance Agencies or Brokers

Agents that choose to be independent are not locked into one company so they can insure your vehicles amongst many companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and the insured can keep the same agent. If you need lower rates, you need to include price quotes from several independent insurance agents to get the best comparison.

Shown below is a small list of independent agents in Aurora who may provide price quotes.

2600 S Parker Rd # 263 - Aurora, CO 80014 - (303) 309-6200 - View Map

3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map

4093 S Olathe Ct - Aurora, CO 80013 - (303) 693-1936 - View Map

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Exclusive Insurance Agencies

Agents of this type can only provide one company's prices and some examples include American Family, State Farm, and AAA. They are unable to shop your coverage around so always compare other rates. They are well trained in insurance sales and that enables them to sell even at higher rates.

Below is a list of exclusive agents in Aurora willing to provide price quotes.

2821 S Parker Rd #235 - Aurora, CO 80014 - (720) 789-7980 - View Map

1627 S Havana St e - Aurora, CO 80012 - (303) 360-9831 - View Map

14221 E 4th Ave #100 - Aurora, CO 80011 - (303) 366-7101 - View Map

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Choosing an insurance agent should include more criteria than just the quoted price. These are valid questions to ask:

If you get good answers to all your questions as well as offering an affordable quote, you may have just found a car insurance agent that meets your needs to insure your vehicles.

Insurance in Colorado serves several purposes

Even though it's not necessarily cheap to insure a Jeep in Aurora, paying for insurance is mandatory in Colorado but it also protects more than you think.

The benefits of having insurance more than cancel out the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is overpaying more than $855 a year so shop around at every renewal to help ensure money is not being wasted.

Persistent drivers can save

Cheap Jeep Liberty insurance in Aurora can be found both online in addition to many Aurora insurance agents, so get free Aurora car insurance quotes from both of them to have the best rate selection. Some insurance providers may not offer the ability to get quotes online and most of the time these small, regional companies sell through independent agencies.

Throughout this article, we presented a lot of techniques to save on Jeep Liberty insurance in Aurora. The key thing to remember is the more quotes you get, the better likelihood of getting inexpensive Aurora car insurance quotes. You may even be surprised to find that the lowest rates are with the smaller companies.

Insureds switch companies for any number of reasons including policy cancellation, policy non-renewal, high rates after DUI convictions or delays in paying claims. Regardless of your reason, finding a new company can be easy and end up saving you some money.

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