Best Car Insurance for Jeep Liberty Sport 2022
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Best insurance for Jeep Liberty Sport
One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 33% per year insuring their Jeep Liberty Sport when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Jeep Liberty Sport drivers after switching with Jerry.
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How much does it cost to insure a Jeep Liberty Sport
The average annual cost to insure a Jeep Liberty Sport is $2,444, which is $385 lower than the average annual cost to insure Jeeps. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.
Insurance coverage to consider for a Jeep Liberty Sport
While the mandatory liability coverage will be the cheapest option to insure your Liberty Sport, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather
What determines your car insurance cost for a Jeep Liberty Sport
In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.
The cost of insurance for a Jeep Liberty Sport will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Jeep Liberty Sport than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Jeep Liberty Sport:
The year of your car
Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Jeep Liberty Sport will be lower for an older car. These are real quotes Jerry has found for drivers of a Jeep Liberty Sport based on model year:
While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Jeep Liberty Sport with different carriers:
Trim levels and vehicle materials
The Jeep Liberty Sport comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Jeep Liberty Sport.
How can I save money when insuring my Jeep Liberty Sport
You might think you’re getting cheap car insurance rates, but chances are, you could get them even lower!
The Liberty Sport’s age, body type, and trim give it a good shot at a low insurance cost, but there may still be room for improvement. Here are a few things you can do to lower your premium without compromising your coverage.
Almost every insurance provider says they have the best rates, but the truth is, rates can vary widely from customer to customer. The best way to ensure you’re getting a great rate is to compare rates—which is what Jerry is for.
The Jerry app not only shows you 50 competitive quotes after you sign up (which takes less than a minute), it can also cancel your old policy and enroll you in a new one right within the app.
And once you’re sure you’re getting the best rate possible, Jerry will automatically check quotes once renewal time arrives so you can continue getting low rates even as quotes change.
With Jerry, you’ll enjoy all the savings without any of the usual hassles that come with comparison shopping.
Key Takeaway Comparison shopping with Jerry is the easiest way to ensure you’re getting the best rate for the insurance coverage you want.
Opt for a lower trim level
Since trim levels factor into insurance rates, keeping costs low means choosing less-expensive trims.
If you already have a Liberty Sport, it’s too late to change your trim, and even with a more expensive trim, like the Sport, you can still expect a low rate for an older SUV like a Liberty. Still, it’s something to keep in mind when it comes time to look for a new car!
Skip the extra features
Extra features affect insurance rates in a similar way as trim levels. They increase the value of your car, but they also make it more expensive to insure. Keep that in mind if you’re thinking about adding on features like flash rims or a killer sound system.
Invest in anti-theft and safety features
Jeep is known for making SUVs with high safety ratings, and the Liberty is no exception. That bodes well for your insurance rates, but you may be able to get them even lower with an aftermarket security system.
Keep a clean record
When it comes to insurance rates, keeping a clean driving record is one of the most important things you can do. Occasional tickets shouldn’t have a huge effect, but regular violations, major accidents, and large insurance claims can raise your rates pretty significantly.
Always be sure to go the speed limit, stay aware of your surroundings, and drive defensively.
Look for discounts
Think you’ve found every discount available? You could be wrong! Your insurance provider may offer more discounts than the ones they promote, and you can always check with your insurance agent to see if there are any you qualify for.
Almost all insurance providers offer a range of discounts based on the driver, vehicle, and policy. Some of the most common discounts include bundling policies or multiple vehicles, not making any claims, paying your premium upfront, and switching to paperless billing.