Cheapest Insurance for a Jeep Liberty in Detroit

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Insurance for Jeep LibertyDo you want a faster way to compare more affordable car insurance rates in Detroit, MI? Detroit shoppers have lots of choices when shopping for low-cost Jeep Liberty insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to find the lowest rates. There is a better way to find car insurance online and we'll show you the quickest way to quote coverages for your Jeep and locate the lowest price from Detroit insurance agents and online providers.

It's a good idea to get comparison quotes as often as possible since insurance prices fluctuate regularly. If you had the lowest rates on Jeep Liberty insurance in Detroit on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because you're going to get a crash course in the quickest way to properly buy coverages and cut your premium.

The quickest way to compare car insurance rates for Jeep Liberty insurance in Detroit is to know car insurance companies provide online access to give you rate quotes. All you need to do is give them rating details like if you have an active license, if you lease or own, how much you drive, and if a SR-22 is required. Your information is instantly sent to insurance companies and you receive quotes quickly.

If you wish to get multiple quotes for your Jeep Liberty now, click here and complete the form.

The companies in the list below provide free quotes in Detroit, MI. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.

Why you need to buy car insurance

Despite the potentially high cost of Jeep Liberty insurance, insurance may be required and benefits you in several ways.

  • Most states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance in order to get the vehicle licensed. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a loan on your Jeep Liberty, more than likely the lender will require that you have comprehensive coverage to guarantee loan repayment. If you do not keep the policy in force, the lender may insure your Jeep for a much higher rate and force you to reimburse them much more than you were paying before.
  • Car insurance preserves not only your Jeep but also your assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance also covers legal expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having car insurance definitely exceed the price paid, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver overpays as much as $869 every year so we recommend shopping around at least once a year to help ensure money is not being wasted.

Data for Jeep Liberty insurance

The information shown next outlines detailed analysis of insurance premium costs for Jeep Liberty models. Being able to understand how rates are formulated can be useful when making smart policy decisions.

Jeep Liberty Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $400 $724 $726 $42 $218 $2,110 $176
Liberty Limited 2WD $458 $724 $726 $42 $218 $2,168 $181
Liberty Renegade 4WD $458 $724 $726 $42 $218 $2,168 $181
Liberty Sport 4WD $458 $724 $726 $42 $218 $2,168 $181
Liberty Limited 4WD $458 $882 $726 $42 $218 $2,326 $194
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in specific location which can impact prices significantly.

Should you raise deductibles?

The hardest decision when buying coverage is where to set your physical damage deductibles. The following tables sum up the price difference when you buy lower versus higher deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Jeep Liberty insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $518 $882 $690 $40 $206 $2,361 $197
Liberty Limited 2WD $594 $882 $690 $40 $206 $2,437 $203
Liberty Renegade 4WD $594 $882 $690 $40 $206 $2,437 $203
Liberty Sport 4WD $594 $882 $690 $40 $206 $2,437 $203
Liberty Limited 4WD $594 $1074 $690 $40 $206 $2,629 $219
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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 $378 $596 $690 $40 $206 $1,910 $159
Liberty Limited 2WD $434 $596 $690 $40 $206 $1,966 $164
Liberty Renegade 4WD $434 $596 $690 $40 $206 $1,966 $164
Liberty Sport 4WD $434 $596 $690 $40 $206 $1,966 $164
Liberty Limited 4WD $434 $726 $690 $40 $206 $2,096 $175
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in vehicle garaging location which can increase or decrease rates significantly.

Based on this data, using a $100 deductible will cost you approximately $40 more each month or $480 each year across all Jeep Liberty models than choosing the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 10 months between claim filings, you would save money if you elect the higher deductible. Here is an example of how we made this calculation.

Average monthly premium for $100 deductibles: $205
Average monthly premium for $500 deductibles (subtract): - $165
Monthly savings from raising deductible: $40
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

The illustration below demonstrates how choosing different deductibles and can influence Jeep Liberty annual premium costs for different age categories. The information is based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Reckless driving habits raise insurance rates

The illustration below illustrates how traffic citations and accident claims increase Jeep Liberty auto insurance rates for different age groups. The premium estimates are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Cheaper rates with these six money saving discounts

Car insurance companies do not list the complete list of policy discounts in an easy-to-find place, so the following list contains both well-publicized as well as some of the hidden ways to save on auto insurance.Discount auto insurance

  • College Student Discount - Kids who live away from home at college and don't have a car can receive lower rates.
  • Passive Restraints - Options like air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Accident Forgiveness - Not a discount per se, but companies like State Farm and Progressive allow you one accident before your rates go up as long as you don't have any claims for a certain period of time.
  • Theft Deterrent System - Vehicles optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more on Liberty insurance in Detroit.
  • Early Switch Discount - Some auto insurance companies provide a discount for renewing your policy before your current coverage expires. You can save around 10% with this discount.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, you're out of luck. But any discount will help lower your auto insurance premiums.

The example below shows the difference between Jeep Liberty insurance rates with and without discounts. The rates are based on a female driver, no accidents, no driving violations, Michigan state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, multi-car, and homeowner discounts applied.

Insurance companies who might offer these money-saving discounts include:

If you are trying to find low cost Detroit auto insurance quotes, ask every insurance company which credits you are entitled to. Discounts may not apply in Detroit. To see providers that offer many of these discounts in Michigan, click this link.