Auto Insurance Quotes for a Jeep Liberty in Cleveland

Insurance rates Jeep Liberty in ClevelandIt’s hard to fathom, but over 70% of Ohio drivers kept their coverage with the same auto insurance company for more than four years, and nearly half have never compared rates with other companies. American drivers could save as much as 47% every year, but most just don’t grasp the rate savings if they switched to a more affordable policy.

If saving money is your primary concern, then the best way to find low-cost auto insurance rates is to start comparing prices regularly from insurance carriers in Cleveland.

The most important part of shopping around is to try to use similar limits and deductibles on every price quote and and to analyze every company you can. Doing this helps ensure a level playing field and a thorough selection of prices.

Cleveland insurance discounts

Some providers don’t always publicize their entire list of discounts very clearly, so the list below contains some of the more common and the more hidden ways to save on insurance.Insurance discounts

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works.

The information below illustrates the comparison of Jeep Liberty annual premium costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-car, claim-free, and multi-policy discounts applied.

If you would like to view insurers that offer the discounts shown above in Cleveland, follow this link.

Most larger insurance companies such as State Farm, Allstate and GEICO allow consumers to get coverage prices direct online. Doing online price comparisons for Jeep Liberty insurance in Cleveland is very simple as you just type in your personal and coverage information as requested by the quote form. When the form is submitted, their rating system pulls reports for credit and driving violations and returns pricing information based on these factors.

Using the web to get quotes for Jeep Liberty insurance in Cleveland makes it a lot easier to compare rates and it’s necessary to perform this step if you want to get the cheapest insurance rates.

To find out if lower rates are available, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you copy your coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will receive an apples-to-apples comparison for similar coverage.

The auto insurance companies shown below have been selected to offer price quotes in Ohio. In order to find cheaper car insurance in Ohio, we recommend you visit several of them to get a more complete price comparison.

Rates and statistics

The coverage information below showcases estimates of insurance rates for Jeep Liberty models. Having a better understanding of how insurance quotes are determined can help you make decisions on the best policy coverages.

Jeep Liberty Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $164 $328 $296 $18 $88 $894 $75
Liberty Limited 2WD $188 $328 $296 $18 $88 $918 $77
Liberty Renegade 4WD $188 $328 $296 $18 $88 $918 $77
Liberty Sport 4WD $188 $328 $296 $18 $88 $918 $77
Liberty Limited 4WD $188 $398 $296 $18 $88 $988 $82
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in specific Cleveland garaging location which can alter premiums noticeably.

Physical damage deductibles: Should you raise them?

When shopping for auto insurance, a common question is at what level do you set your deductibles. The following tables approximate the difference in cost between low and high physical damage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate chart 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 $152 $242 $226 $14 $68 $727 $61
Liberty Limited 2WD $176 $242 $226 $14 $68 $751 $63
Liberty Renegade 4WD $176 $242 $226 $14 $68 $751 $63
Liberty Sport 4WD $176 $242 $226 $14 $68 $751 $63
Liberty Limited 4WD $176 $296 $226 $14 $68 $805 $67
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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 $94 $152 $226 $14 $68 $554 $46
Liberty Limited 2WD $108 $152 $226 $14 $68 $568 $47
Liberty Renegade 4WD $108 $152 $226 $14 $68 $568 $47
Liberty Sport 4WD $108 $152 $226 $14 $68 $568 $47
Liberty Limited 4WD $108 $186 $226 $14 $68 $602 $50
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific location information which can influence coverage prices significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $16 more each month or $192 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 47 months between claims, you would most likely save money if you choose a higher deductible.

Responsible drivers pay cheaper Cleveland auto insurance rates

The illustration below demonstrates how traffic citations and fender-benders can drive up Jeep Liberty premium costs for each age group. The costs are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Cost of full coverage in Cleveland

The example below illustrates the difference between Jeep Liberty insurance prices with full coverage and liability only. The price estimates are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no clear-cut formula of when to exclude full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Jeep Liberty book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying the physical damage deductible. If it’s costing you more than $500 a year to have full coverage, then it might be time to consider dropping full coverage.

There are a few situations where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

It’s not one size fits all

When it comes to buying a policy for your vehicles, there really isn’t a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that.Drive safe and save
For instance, these questions may help you determine whether you might need an agent’s assistance.

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Comparing quotes from local Cleveland insurance agencies

Certain consumers prefer to have an agent’s advice and doing that can be a smart decision A good thing about getting free rate quotes online is that you can obtain cheap car insurance rates and still choose a local agent. Buying from local agents is especially important in Cleveland.

After completing this short form, your insurance data gets sent to participating agents in Cleveland that give free quotes for your coverage. It’s much easier because you don’t need to leave your house since price quotes are sent directly to you. Get lower rates AND an agent nearby. If you want to quote rates from a specific insurance company, you can always search and find their rate quote page to submit a rate quote request.

Cleveland auto insurance agents come in two flavors

If you would like to find a good Cleveland insurance agent, there are a couple of different agency structures and how they are slightly different. Car insurance policy providers can be categorized as either exclusive or independent agents depending on their company appointments.

Independent Insurance Agents

Independent insurance agents are normally appointed by many insurers and that gives them the ability to insure with many different companies enabling the ability to shop coverage around. If you want to switch companies, they simply move the coverage in-house which makes it simple for you. When shopping rates, you need to check rates from independent agents so that you can do a thorough price comparison. Most independent agents also contract with less well-known companies which may have better rates.

The following is a partial list of independent agents in Cleveland who may provide free car insurance rate quotes.

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Exclusive Agents

Agents in the exclusive channel can usually just insure with one company such as Allstate and State Farm. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. Exclusive agencies are highly trained on sales techniques which helps them sell insurance even at higher premiums. Consumers frequently buy from exclusive agents mostly because of the brand and strong financial ratings.

The following are exclusive agents in Cleveland that can give you price quotes.

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Selecting an insurance agency is decision based upon more than just a cheap price quote. Agents should be asked these questions:

Upon receiving good feedback to any questions you may have and locked in a price quote, you may have just found a car insurance agent that meets your needs to adequately provide car insurance. It’s important to know that policyholders can terminate coverage whenever you want so don’t think that you are permanently stuck with the car insurance policy for the full policy term.

Auto insurance companies ranked

Finding a highly-rated auto insurance company can be difficult considering how many companies there are in Cleveland. The rank data displayed below may help you pick which car insurance providers to look at purchasing from.

Top 10 Cleveland Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Progressive – A+
  7. Erie Insurance – A+
  8. Mercury Insurance – A+
  9. The Hartford – A+
  10. Nationwide – A+

Top 10 Cleveland Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, a broken windshield, rock chips in glass, hail damage and hitting a deer. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many Ohio drivers have only the minimum liability required by law (Ohio limits are 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these coverages are set the same as your liability limits.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, rolling your car, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible on your Liberty to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills for nursing services, chiropractic care and doctor visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability

This will cover damages or injuries you inflict on other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like medical services, funeral expenses, bail bonds and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. Ohio requires minimum liability limits of 25/50/25 but drivers should carry more liability than the minimum.

The next chart shows why low liability limits may not be adequate.

In the end, you can save money

We just covered a lot of ways to shop for Jeep Liberty insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower car insurance rates compared to the large companies like State Farm and Allstate.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest cost.

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