Affordable Rate Quotes for Jeep Liberty Insurance in Kansas City

Insurance for Jeep LibertyTo save the most money, the best way to get low-cost Jeep Liberty insurance in Kansas City is to compare prices regularly from insurers in Missouri.

An essential thing to point out is that you’ll want to make sure you compare similar deductibles and liability limits on each price quote and and to analyze as many different companies as possible. This provides the most accurate price comparison and many rates to choose from.

It’s hard to believe, but nearly 70% of customers kept their coverage with the same car insurance company for a minimum of four years, and almost 40% of drivers have never compared car insurance rates at all. Many consumers in Kansas City could save about 25% every year, but most undervalue how much money they would save if they just switched companies.

The quickest method to compare car insurance company rates for Jeep Liberty insurance in Kansas City is to take advantage of the fact most insurance companies will pay a fee to give you rate quotes. The only thing you need to do is take a few minutes to give details including which vehicles you own, how your vehicles are used, if you lease or own, and what you do for a living. The rating information is instantly submitted to all major companies and they provide comparison quotes instantly.

If you wish to get multiple quotes for your Jeep Liberty now, click here and enter the information requested.

The following companies can provide price quotes in Missouri. To locate cheap car insurance in MO, we suggest you visit several of them in order to find the most competitive rates.

Jeep Liberty insurance coverage information

The data table displayed next outlines detailed analysis of prices for Jeep Liberty models. Learning more about how insurance prices are figured can help guide drivers when making decisions on which insurance to purchase.

Jeep Liberty Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $182 $314 $274 $16 $82 $868 $72
Liberty Limited 2WD $208 $314 $274 $16 $82 $894 $75
Liberty Renegade 4WD $208 $314 $274 $16 $82 $894 $75
Liberty Sport 4WD $208 $314 $274 $16 $82 $894 $75
Liberty Limited 4WD $208 $380 $274 $16 $82 $960 $80
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in Kansas City location which can alter insurance rates greatly.

Higher deductibles lower rates

When comparing insurance rates, the most common question is at what level do you set your deductibles. The rates below may aid in understanding the price difference when you choose different deductibles. The first rate table uses a $250 deductible and the second price grid uses a $1,000 deductible.

Jeep Liberty insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $180 $286 $266 $16 $80 $853 $71
Liberty Limited 2WD $206 $286 $266 $16 $80 $879 $73
Liberty Renegade 4WD $206 $286 $266 $16 $80 $879 $73
Liberty Sport 4WD $206 $286 $266 $16 $80 $879 $73
Liberty Limited 4WD $206 $346 $266 $16 $80 $939 $78
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Jeep Liberty insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $110 $180 $266 $16 $80 $652 $54
Liberty Limited 2WD $128 $180 $266 $16 $80 $670 $56
Liberty Renegade 4WD $128 $180 $266 $16 $80 $670 $56
Liberty Sport 4WD $128 $180 $266 $16 $80 $670 $56
Liberty Limited 4WD $128 $218 $266 $16 $80 $708 $59
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific location information which can impact premium rates considerably.

Based on this data, using a $250 deductible would cost the average driver about $18 more each month or $216 each year than buying the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 42 months between claim filings, you would probably be better off if you decide on a higher deductible.

The diagram below demonstrates how deductibles and can influence Jeep Liberty annual premium costs for different age groups of insureds. The prices are based on a married male driver, full coverage, and no discounts are applied to the premium.

Jeep Liberty liability rates compared to full coverage

The diagram below illustrates the comparison of Jeep Liberty insurance premiums when comparing full coverage to state minimum liability only. The data assumes no violations or claims, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no specific rule to stop buying full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Jeep Liberty claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after the deductible is paid. If you are paying over $800 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Seven Tips to Get Cheaper Kansas City Insurance Prices

Lots of factors are used when you get your auto insurance bill. A few of the factors are predictable like an MVR report, although others are more obscure like your vehicle usage or your vehicle rating.

The list below includes just a few of the factors used by your company to calculate rates.

Safer occupants lowers premiums – Vehicles with good safety scores tend to have lower insurance rates. Highly rated vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates.

A coverage lapse can increase prices – Driving your car without having proper coverage is a big no-no and any future policy may cost more because you let your insurance expire. Not only will you pay higher rates, the inability to provide proof of insurance might get you a revoked license or a big fine.

Does insurance coverage cost more for men? – Statistics demonstrate that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. Males and females tend to get into fender benders at a similar rate, but men tend to have more serious accidents. In addition to higher claims, males also get ticketed for serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

The information below visualizes the comparison of Jeep Liberty insurance rates for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are factored in.

Do you know you’re credit rating? – Credit history can be an important factor in calculating your premium rate. Drivers who have high credit scores tend to file fewer claims and have better driving records than drivers with worse credit. If your credit score can be improved, you could save money insuring your Jeep Liberty if you clean up your credit.

Rates can change based on your address – Residing in areas with lower population has it’s advantages when insuring your vehicles. Drivers who live in large cities have traffic congestion and a longer drive to work. Less people means fewer accidents and a lower car theft rate.

More annual miles equals more premium – The more you drive annually the more you’ll pay to insure your vehicle. Almost all companies apply a rate based upon how you use the vehicle. Autos that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. An improperly rated Liberty may be costing you. Make sure your insurance policy shows how each vehicle is driven, because it can save money.

Driving citations can be expensive – Your driving record has a lot to do with how much you pay for insurance. Getting just one chargeable violation may increase your cost twenty percent or more. Good drivers have lower premiums than their less careful counterparts. Drivers unfortunate enough to have multiple citations such as DUI or willful reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state in order to keep their license.

The illustration below illustrates how traffic citations and at-fault accidents can influence Jeep Liberty auto insurance costs for different age categories. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Why you need insurance

Despite the high insurance cost for a Jeep Liberty in Kansas City, insurance is required by state law in Missouri and it also provides benefits you may not be aware of.

The benefits of buying enough insurance more than offset the price you pay, especially if you ever need it. Unknowingly, the average driver overpays more than $869 every year so compare rate quotes at every renewal to help ensure money is not being wasted.