Cheapest Jeep Liberty Insurance in Aurora

Discount Jeep Liberty insuranceIf saving the most money is your goal, then the best way to get discount auto insurance rates in Aurora is to compare prices regularly from insurance carriers who sell insurance in Colorado. Rates can be compared by following these steps.

The most important part of this process is to try to compare the same deductibles and limits on each quote and and to get price quotes from all possible companies. This ensures a level playing field and a complete price analysis.

A recent NerdWallet.com study revealed that over 70% of consumers kept their coverage with the same auto insurance company for at least four years, and about 40% of consumers have never even shopped around for lower-cost coverage. Most drivers in the United States can save roughly $859 each year by just comparing rate quotes, but they don’t know the amount of money they would save if they switched.

The companies in the list below are our best choices to provide price comparisons in Colorado. To find cheap auto insurance in Aurora, CO, we suggest you visit as many as you can to get the best price comparison.

Choosing the best Jeep vehicle insurance in Colorado is an important decision

Despite the fact that car insurance is not cheap in Aurora, insuring your vehicle serves a purpose in several ways.

The benefits of buying enough insurance are definitely more than the cost, especially when you need to use it. As of last year, the average driver in Colorado is currently overpaying as much as $855 a year so you should quote your policy with other companies at least once a year to be sure current rates are still competitive.

Insurance coverage details

The price information shown below outlines detailed analysis of coverage costs for Jeep Liberty models. Having a good grasp of how auto insurance premiums are figured is important for you to make informed decisions when comparing rates.


Jeep Liberty Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $270 $376 $460 $28 $138 $1,272 $106
Liberty Limited 2WD $310 $376 $460 $28 $138 $1,312 $109
Liberty Renegade 4WD $310 $376 $460 $28 $138 $1,312 $109
Liberty Sport 4WD $310 $376 $460 $28 $138 $1,312 $109
Liberty Limited 4WD $310 $458 $460 $28 $138 $1,394 $116
Get Your Own Custom Quote Go

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 homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific location information which can influence auto insurance rates substantially.

Raise deductibles and save

One common question asked by Aurora drivers is how low should you set your deductibles. The premium rates below outline the premium difference when you buy lower versus higher insurance deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.


Jeep Liberty insurance 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
Get Your Own Custom Quote Go

Jeep Liberty insurance 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
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can impact premium rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $23 more each month or $276 each year than choosing the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 33 months between claims, you would more than likely save some money by going with a higher deductible. Here is the way this calculation is made.

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

Rate difference between full and liability-only coverage

The illustration below shows the difference between Jeep Liberty insurance rates with full physical damage coverage and with liability coverage only. The data is based on no claims or violations, $500 deductibles, drivers are single, and no discounts are factored in.

When to buy liability coverage only

There is no written rule to eliminate comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Jeep Liberty replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after the deductible is paid. If premium cost is more than $200 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping full coverage is not a good plan. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Get cheaper Jeep Liberty insurance in Aurora with discounts

Companies that sell car insurance do not advertise all possible discounts in a way that’s easy to find, so the list below contains both well-publicized and the more hidden credits that may apply to you. If you’re not getting every credit available, you may be paying too high a price.Save money with discounts

We need to note that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you aren’t that lucky.

The example below visualizes the comparison of Jeep Liberty insurance costs with and without policy discounts. Data assumes a male driver, a clean driving record, no claims, Colorado state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, homeowner, claim-free, and marriage discounts applied.

The best car insurance companies and a summarized list of policyholder discounts are included below.

Double check with every prospective company which discounts can lower your rates. Some discounts may not be offered everywhere. To find insurance companies who offer car insurance discounts in Colorado, follow this link.

Your situation helps dictate your coverage

When selecting coverage online or from an agent for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.Higher deductibles save money

These are some specific questions may help you determine whether you might need an agent’s assistance.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.