How long has it been since you shopped around for cheaper Jeep Liberty insurance in Orlando? I really doubt anyone likes buying car insurance, especially when they know they could lower their rates if they shopped around.
We don’t have to point out that fact that auto insurance companies want to keep you from shopping around. Insureds who compare rates at least once a year are inclined to switch companies because there is a great chance of finding a policy with better rates. A survey found that people who made a habit of comparing rate quotes saved on average $850 each year compared to people who didn’t regularly shop around.
If finding the cheapest rates on auto insurance is your ultimate goal, then having some insight into how to get rate quotes and compare cheaper coverage can save money and time. People have so many insurance companies to insure vehicles with, and though it is a good thing to have a selection, it makes it harder to compare company pricing for Jeep Liberty insurance in Orlando.
Finding affordable insurance coverage in Orlando is really quite easy. If you are already insured, you will most likely be able to cut your premiums using the ideas covered in this article. Comparison shoppers just have to understand the quickest method to get comparison quotes online.
Finding a lower price on Jeep Liberty insurance is an easy way to save money. All that’s required is to invest a little time comparing free Orlando auto insurance quotes to discover which company has affordable Orlando auto insurance quotes.
Comparison shopping rates online is easy and it makes it a waste of time to drive around to each insurance agency near you. Doing it all online makes this process obsolete unless you require the professional advice that only a licensed agent can provide. Although, it is possible get the lowest quotes online but still have the advice of a local agent.
The providers in the list below are ready to provide free rate quotes in Orlando, FL. If you want cheaper auto insurance in Orlando, FL, we recommend you get prices from several of them to get the best price comparison.
Choosing Jeep vehicle insurance is an important decision
Even though Orlando Liberty insurance rates can get expensive, maintaining insurance is required for several reasons.
- Almost all states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance coverage if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Jeep, more than likely the lender will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your Jeep at a much higher premium rate and force you to reimburse them much more than you were paying before.
- Car insurance preserves not only your car but also your assets. It will also cover all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of an accident. If you have damage to your Jeep as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car greatly outweigh the cost, especially for larger claims. The average driver in America is overpaying over $855 a year so you should quote and compare rates at every renewal to make sure the price is not too high.
Insurance coverage details
The information shown below covers detailed analysis of policy rates for Jeep Liberty models. Having a better idea how car insurance prices are calculated is important to be able to make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $348 | $656 | $564 | $34 | $168 | $1,770 | $148 |
| Liberty Limited 2WD | $398 | $656 | $564 | $34 | $168 | $1,820 | $152 |
| Liberty Renegade 4WD | $398 | $656 | $564 | $34 | $168 | $1,820 | $152 |
| Liberty Sport 4WD | $398 | $656 | $564 | $34 | $168 | $1,820 | $152 |
| Liberty Limited 4WD | $398 | $798 | $564 | $34 | $168 | $1,962 | $164 |
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can revise rates considerably.
Physical damage deductibles
One common question asked by Orlando drivers is how high should the physical damage coverage deductibles be. The comparisons below highlight the rate difference between low and high deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $312 | $532 | $418 | $24 | $124 | $1,435 | $120 |
| Liberty Limited 2WD | $358 | $532 | $418 | $24 | $124 | $1,481 | $123 |
| Liberty Renegade 4WD | $358 | $532 | $418 | $24 | $124 | $1,481 | $123 |
| Liberty Sport 4WD | $358 | $532 | $418 | $24 | $124 | $1,481 | $123 |
| Liberty Limited 4WD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $228 | $360 | $418 | $24 | $124 | $1,154 | $96 |
| Liberty Limited 2WD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Liberty Renegade 4WD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Liberty Sport 4WD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Liberty Limited 4WD | $262 | $438 | $418 | $24 | $124 | $1,266 | $106 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific garaging location which can increase or decrease premiums noticeably.
We can estimate from the data above that using a $100 deductible costs approximately $24 more each month or $288 annually than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 17 months between claims, you would probably come out ahead if you elect the higher deductible.
The information below illustrates how your choice of deductibles and can increase or decrease Jeep Liberty insurance rates for each age group. The data assumes a married male driver, comp and collision included, and no other discounts are factored in.
Annual premiums for males versus females
The illustration below compares Jeep Liberty auto insurance rates for male and female drivers. The premium estimates are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are factored in.
Do you qualify for discounts on Jeep Liberty insurance in Orlando?
Insuring your vehicles can cost a lot, but there could be significant discounts that you may not even be aware of. Certain reductions will be credited when you complete an application, but some may not be applied and must be requested specifically before you will receive the discount.
- Braking Control Discount – Cars with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
- Buy New and Save – Buying a new car model can get you a discount since newer models have better safety ratings.
- Discount for Low Mileage – Driving less could earn cheaper car insurance rates.
- No Accidents – Insureds with no claims or accidents get the best car insurance rates as compared to bad drivers.
- Renewal Discounts – A few insurance companies offer discounts for buying a new policy before your current expiration date. You can save around 10% with this discount.
- First Accident Forgiveness – Not really a discount, but certain companies may permit one accident without raising rates as long as you don’t have any claims for a specific time period.
- More Vehicles More Savings – Buying a policy with more than one vehicle on a single policy can reduce the rates for all insured vehicles.
- Federal Government Employee – Federal government employees could provide a small rate reduction depending on your car insurance provider.
A little note about advertised discounts, many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it’s just not the way it works.
The information below illustrates the difference between Jeep Liberty car insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims or driving citations, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, claim-free, homeowner, and multi-policy discounts applied.
Some of the insurance companies that may include many of the previously listed discounts may include but are not limited to:
If you need inexpensive Orlando auto insurance quotes, ask every company the best way to save money. Some discounts listed above might not be available to policyholders in your state. To view insurers that offer multiple discounts in Orlando, click here to view.
Best car insurance in Orlando
Selecting the highest-rated insurance company can be rather challenging considering how many different insurance companies sell coverage in Florida. The company information in the lists below can help you pick which companies to look at buying from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies