Insurance rates Jeep Liberty in Fort CollinsWant to learn a better way to compare cheaper Jeep Liberty insurance in Fort Collins? No one in their right mind enjoys paying for auto insurance, particularly when the prices are way too high.

Unimaginable but true, 70% of consumers have bought auto insurance from the same company for well over three years, and virtually 40% of consumers have never compared rate quotes at all. Many drivers in the U.S. could save themselves as much as $850 a year by just shopping around, but most undervalue the big savings they would realize if they moved their coverage to a different company. Since you have so many insurance companies to choose from that have cheaper insurance for a Jeep Liberty in Fort Collins, it can be diffult for drivers to pick the most affordable auto insurance provider.

It's a great practice to check auto insurance prices periodically because rates trend upward over time. Just because you had the lowest premium rates on Jeep Liberty insurance in Fort Collins a year ago a different company probably has better prices today. Block out anything you think you know about auto insurance because you're going to learn how to use the internet to remove unneeded coverages and save money.

Finding the best-priced auto insurance policy in Fort Collins is actually quite simple. If you already have coverage or just want to reduce your rates, use these money-saving tips to shop for the lowest rates while maintaining coverages. Smart shoppers just need to know how to shop from many different companies online.

The companies shown below can provide quotes in Fort Collins, CO. If multiple providers are shown, it's a good idea that you visit several of them to find the most affordable car insurance rates.

Jeep Liberty Insurance Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $264 $448 $352 $20 $106 $1,190 $99
Liberty Limited 2WD $172 $258 $338 $20 $100 $888 $74
Liberty Renegade 4WD $260 $462 $396 $24 $118 $1,260 $105
Liberty Sport 4WD $260 $462 $396 $24 $118 $1,260 $105
Liberty Limited 4WD $310 $458 $460 $28 $138 $1,394 $116
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in specific Fort Collins garaging location which can impact rates greatly.

Deductible analysis

When shopping for auto insurance, a common question is how high should your deductibles be. The rates shown below can help you visualize how much more rates are between high and low insurance deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Jeep Liberty insurance premium rates 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 rates with $1,000 deductibles
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
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific garaging location which can change coverage prices significantly.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $23 more each month or $276 each year than selecting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 33 months between claims, you would most likely save money if you opt for a higher deductible.

How to determine when to raise deductibles

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

One thing to note is that raising deductibles to save money means you will have to pay more of your own money when you do file a claim. That will require some savings in the bank in the event you need to pay the higher deductible.

Lower rate quotes by applying discounts

Companies don't always advertise every possible discount in a way that's easy to find, so the following is a list of both the well known as well as the least known credits that you can use to lower your rates.Cheaper auto insurance with discounts

Policy discounts save money, but some credits don't apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, you aren't that lucky.

Auto insurance companies who might offer these money-saving discounts include:

If you need the cheapest Jeep Liberty rate quotes, ask all the companies to give you their best rates. Savings may not be offered in Fort Collins.

When to talk to an agent

A small number of people just prefer to talk to an insurance agent and that is OK! Experienced insurance agents are very good at helping people manage risk and will help you if you have claims. One of the best bonuses of getting free rate quotes online is that you can find cheap rate quotes and still choose a local agent. Supporting small agencies is definitely important in Fort Collins.

Find insurance agent in Fort CollinsFor easy comparison, once you complete this form (opens in new window), the coverage information is immediately sent to companies in Fort Collins that can give you free Fort Collins auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to search for an agent due to the fact that quote results will go to your email. If for some reason you want to compare rates from a specific insurance company, you can always go to their quote page and complete a quote there.

Exclusive agents vs. Independent agents

When narrowing the list to find a reputable insurance agent or broker, it's important to understand the types of agencies to choose from. Car insurance agents are categorized either exclusive agents or independent agents. Both types of agents can sell car insurance policies, but we need to point out the subtle differences because it may have an impact on which agent you choose.

Independent Car Insurance Agents (or Brokers)

Independent agencies do not write with just one company so they can quote policies through many different car insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier which makes it simple for you. When comparing rates, we recommend you get insurance quotes from a few independent agents so that you can do a thorough price comparison.

Below is a list of independent insurance agents in Fort Collins who can help you get rate quotes.

1100 Haxton Dr # 100 - Fort Collins, CO 80525 - (970) 223-1804 - View Map

4033 E Boardwalk Dr # 200 - Fort Collins, CO 80525 - (970) 207-4000 - View Map

Colorado - B W Insurance Agency Inc
1075 W Horsetooth Rd # 106 - Fort Collins, CO 80526 - (970) 223-0924 - View Map

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Exclusive Agencies

Exclusive insurance agents write business for a single company and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to shop your coverage around so they are skilled at selling on more than just price. They are usually well trained in insurance sales which aids in selling service over price.

Below is a short list of exclusive agencies in Fort Collins who can help you get rate quotes.

5125 S College Ave b - Fort Collins, CO 80525 - (970) 204-0020 - View Map

Allstate Insurance: Greg L. Howell
816 S College Ave - Fort Collins, CO 80524 - (970) 482-2200 - View Map

1015 S Taft Hill Rd - Fort Collins, CO 80521 - (970) 232-9212 - View Map

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Finding a good car insurance agent shouldn't rely on just the price. These are valid questions to ask:

Fort Collins Insurance Costs are Influenced by These Factors

When buying auto insurance it's important to understand the different types of things that help calculate your auto insurance rates. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that can help you get lower rates.

The itemized list below are a few of the "ingredients" used by companies to determine premiums.

Affects performance affects costs - The type of vehicle you drive makes a huge difference in your car insurance bill. The lowest rates are usually found on small economy passenger cars, but many other things help determine your insurance rates. Because the Jeep Liberty is a standard SUV, rates will be slightly more compared to average rates in Fort Collins.

Higher premiums for specific employers - Did you know your career choice can influence rates? Careers like military personnel, architects and dentists tend to have higher average rates because of intense work requirements and lots of time spent at work. Other jobs such as professors, athletes and homemakers pay the least.

How much liability protection do you need? - A critical coverage on your policy, liability insurance kicks in when a court rules you are at fault for an accident. This coverage provides for a legal defense which can cost thousands of dollars. It is affordable coverage as compared to coverage for physical damage, so do not skimp.

Auto insurance policy lapses increase premiums - Allowing your auto insurance policy to lapse will be a fast way to increase your rates. Not only will rates go up, the inability to provide proof of insurance may result in a steep fine or even jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with the Colorado motor vehicle department to get your license reinstated.

Commute or pleasure use - The higher the mileage driven every year the higher the price you pay to insure it. Most insurance companies calculate rates based on how the vehicle is used. Cars left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. An incorrectly rated Liberty may be wasting your money. It's a smart idea to ensure your vehicle rating reflects the right rating data, because improper ratings can cost you money.

How your age affects prices - Youthful drivers in Colorado have a tendency to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Having to add a young driver to your policy can increase premiums substantially. Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents, and get fewer tickets.

Pay more of a claim out-of-pocket - Comp and collision deductibles define the amount you are required to pay if the claim is covered. Insurance for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some coverage claims are colliding with a stationary object, vandalism, and damage caused by road hazards. The higher the amount you choose to pay out-of-pocket, the better rate you will receive.

Protect your vehicle and other assets

Despite the high cost of buying insurance for a Jeep Liberty in Fort Collins, maintaining insurance serves several important purposes.

The benefits of carrying enough insurance definitely exceed the price paid, especially for larger claims. An average driver in America is wasting up to $830 a year so it's very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.

Quote often and quote early

A few companies do not provide the ability to get quotes online and most of the time these small insurance companies sell through independent insurance agents. Low-cost Jeep Liberty insurance in Fort Collins can be bought both online as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money.

You just read many tips how you can shop for Jeep Liberty insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers may even find the biggest savings come from a company that doesn't do a lot of advertising. They often have lower premium rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

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