Amazingly, a recent NerdWallet.com study showed that a large majority of consumers have purchased from the same company for at least the last four years, and practically 40% of car insurance customers have never compared rates from other carriers. American insurance shoppers could cut their rates by $850 a year, but they don’t know the big savings they would realize if they changed companies.
The easiest way to find better pricing on Jeep Liberty insurance in Dallas is to do a yearly price comparison from insurance carriers that insure vehicles in Texas.
- First, try to understand how companies set rates and the things you can control to lower rates. Many policy risk factors that result in higher prices like traffic violations and an unacceptable credit history can be remedied by making small lifestyle or driving habit changes. Keep reading for the details to get better rates and find more discounts that you may not know about.
- Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Allstate, while independent agencies can give you price quotes from multiple companies. View a list of agents
- Third, compare the quotes to your existing coverage and see if there is a cheaper rate. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, provide adequate notice to your current company to cancel your current policy and submit payment along with a signed and completed policy application for the new policy. Once the paperwork is finalized, put the proof of insurance paperwork in an accessible location in your vehicle.
A key point to remember is to use the same level of coverage on every quote and and to compare as many different companies as possible. This ensures an apples-to-apples comparison and a good representation of prices.
Buying affordable insurance in Dallas is actually not that difficult if you follow our advice. If you have insurance now or are looking for a new policy, use these money-saving tips to reduce the price you pay and still get good coverage. Smart buyers just need to understand the fastest way to compare different rates over the internet.
The easiest way to get policy rate comparisons for Jeep Liberty insurance in Dallas is to know the trick most of the larger companies have advanced systems to give you rate quotes. The only thing you need to do is give them rating details like if you have an active license, coverage limits, whether your vehicle is owned or leased, and the year, make and model of vehicles. That rating data gets transmitted to multiple auto insurance providers and they provide comparison quotes almost instantly.
To compare multiple company lower-cost Jeep Liberty insurance rates now, click here and find out if lower rates are available in Dallas.
The following companies have been selected to offer free quotes in Dallas, TX. If more than one company is shown, we suggest you click on several of them to find the most affordable auto insurance rates.
Coverage statistics and figures
The coverage table shown below highlights estimates of insurance prices for Jeep Liberty models. Learning how car insurance prices are figured is important for making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $202 | $322 | $388 | $24 | $116 | $1,052 | $88 |
| Liberty Limited 2WD | $232 | $322 | $388 | $24 | $116 | $1,082 | $90 |
| Liberty Renegade 4WD | $232 | $322 | $388 | $24 | $116 | $1,082 | $90 |
| Liberty Sport 4WD | $232 | $322 | $388 | $24 | $116 | $1,082 | $90 |
| Liberty Limited 4WD | $232 | $392 | $388 | $24 | $116 | $1,152 | $96 |
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in vehicle garaging location which can modify rates greatly.
Raise deductibles and save
One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The premium rates below sum up the rate difference of buying low and high physical damage coverage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Liberty Limited 2WD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Liberty Renegade 4WD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Liberty Sport 4WD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Liberty Limited 4WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Liberty Limited 2WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Liberty Renegade 4WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Liberty Sport 4WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Liberty Limited 4WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in specific location information which can change coverage prices substantially.
We can estimate from the data above that using a $250 deductible will cost you about $13 more each month or $156 every year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 19 months between claim filings, you would probably come out ahead if you choose a higher deductible.
Does it make sense to buy full coverage?
The example below shows the difference between Jeep Liberty insurance costs with and without full coverage. The prices are based on no claims or driving citations, $250 deductibles, single marital status, and no discounts are applied to the premium.
When to eliminate full coverage
There is no definitive rule for eliminating comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s assume your Jeep Liberty book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying your policy deductible. If you are paying in excess of $800 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are a few situations where dropping full coverage is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.
Why do I need car insurance?
Despite the high cost of buying insurance for a Jeep Liberty in Dallas, insurance serves a purpose in several ways.
- Just about all states have minimum mandated liability insurance limits which means the state requires a specific level of liability protection in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your vehicle, most lenders will make it mandatory that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may have to buy a policy to insure your Jeep for a much higher rate and force you to reimburse them a much higher amount than you were paying before.
- Auto insurance protects not only your Jeep but also your financial assets. Insurance will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If your Jeep gets damaged, comprehensive and collision coverage will pay to have it repaired.
The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. Despite what companies tell you, the average driver is wasting up to $750 every year so you should quote rates once a year at a minimum to be sure current rates are still competitive.
The Jeep Liberty Insurance Price Equation
Many factors are considered when you quote your car insurance policy. Some factors are common sense like an MVR report, but others are more obscure such as your credit history and annual miles driven. An important part of buying insurance is that you know the different types of things that are used to determine your auto insurance rates. If you know what controls the rates you pay, this allows you to make educated decisions that can help you get cheaper rates.
Listed below are some of the most common factors used by your company to calculate premiums.
Infrequent drivers can save – The higher the mileage driven annually the more you will pay for auto insurance. The majority of insurers charge rates based on how the vehicle is used. Cars and trucks not used for work or commuting can be on a lower rate level than vehicles that are driven to work every day. An improperly rated Liberty can cost quite a bit. Ask your agent if your auto insurance policy correctly shows the proper vehicle usage, because improper ratings can cost you money.
Auto insurance policy lapses increase rates – Going without insurance will be a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with the Texas motor vehicle department.
Tickets mean higher costs – How you drive has a huge affect on how much you pay. Attentive drivers get better prices as compared to careless drivers. Even one chargeable violation can boost insurance rates by as much as thirty percent. Drivers with license-revoking citations like reckless driving or DUI may need to complete a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
The chart below highlights how traffic violations and accidents can raise Jeep Liberty premium costs for different age groups. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Rates go up with performance – The performance level of the vehicle you own makes a substantial difference in your car insurance bill. The best insurance prices will generally be found on the lowest performance passenger cars, but the final cost of insurance is determined by many other factors.
The next chart uses these variables: married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares Jeep Liberty insurance premiums compared to other models of vehicles that have a range of risk factors.
Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Females and males are responsible for auto accidents in similar percentages, but the male of the species have costlier accidents. Not only that, but men also get higher numbers of serious violations such as DWI and reckless driving.
The information below shows the difference between Jeep Liberty premium costs for male and female drivers. The prices are based on no claims or driving violations, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied.
Expect high rates for teens – Teenage drivers in Texas have a tendency to be inattentive and easily distracted when behind the wheel so auto insurance rates are higher. Having to add a first-time driver to your policy will cause a huge premium hike. Older insureds have been proven to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets.
The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
In Summary
We just covered some good ideas how you can find cheaper Jeep Liberty insurance in Dallas. It’s most important to understand that the more price quotes you have, the better likelihood of getting low cost Dallas auto insurance quotes. Drivers may even discover the lowest rates are with the smaller companies.
People leave their current company for a variety of reasons including being labeled a high risk driver, policy non-renewal, denial of a claim and even extreme rates for teen drivers. Whatever your reason, finding a new auto insurance company is easier than you think.
Cost effective Jeep Liberty insurance is definitely available on the web in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide online quoting and most of the time these smaller providers work with independent agencies.
Other information
- Choosing a Car for Your Teen (State Farm)
- Who Has the Cheapest Dallas Auto Insurance for High Risk Drivers? (FAQ)
- Who Has Cheap Dallas Auto Insurance Rates for Good Students? (FAQ)
- What is the Best Auto Insurance in Dallas, TX? (FAQ)
- How Much are Car Insurance Quotes for Drivers Under 25 in Dallas? (FAQ)
- Who Has Affordable Car Insurance Rates for Postal Workers in Dallas? (FAQ)
- How Much is Dallas Car Insurance for Drivers Over Age 50? (FAQ)
- How Much are Auto Insurance Quotes for Drivers Requiring a SR22 in Dallas? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Unemployed Drivers in Dallas? (FAQ)
- How Much are Dallas Auto Insurance Quotes for Ride Shares? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Chevrolet Silverado in Dallas? (FAQ)
- Collision Insurance Coverage (Nationwide)
- State Car Insurance Guides (GEICO)
- Distracted Driving (Insurance Information Institute)