Cheap Quotes for Jeep Liberty Insurance in Las Vegas

A recent study showed that the vast majority of drivers have been with the same company for at least four years, and just short of a majority have never taken the time to shop around. Drivers in Nevada could save roughly 35% every year just by getting comparison quotes, but they don’t believe the benefits if they changed companies.

It takes a few minutes, but the best way to save on auto insurance rates in Las Vegas is to do an annual price comparison from insurers that sell auto insurance in Nevada.

1. Spend some time learning about how auto insurance works and the things you can change to keep rates in check. Many rating factors that result in higher rates such as speeding tickets, accidents and bad credit can be improved by making small lifestyle or driving habit changes. Read the full article for additional ideas to help keep rates affordable and find hidden discounts.
2. Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple companies.
3. Compare the new rates to your existing policy to see if cheaper Liberty coverage is available. If you find better rates and make a switch, verify that coverage does not lapse between policies.
4. Notify your company or agent of your decision to cancel your current coverage. Submit a signed application and payment for the new policy. Make sure you put the proof of insurance paperwork along with the vehicle’s registration papers.

A crucial key to this process is to use identical limits and deductibles on each quote and and to get prices from as many carriers as you can. Doing this guarantees a fair rate comparison and a good representation of prices.

Many insurance companies such as Progressive, Allstate and GEICO make it easy to get price estimates on the web. The process is possible for anyone as you simply enter your coverage information on the page. Once entered, their system will obtain your credit score and driving record and gives you a price quote based on the data you entered. Getting online rates for Jeep Liberty insurance in Las Vegas makes it a lot easier to compare rates and it’s very important to perform this step if you want to find the most affordable premium possible.

To save time and use this form to compare rates, compare quotes from the companies shown below. If you have your current policy handy, we recommend you replicate coverages and limits exactly as they are listed on your policy. This way, you will have a price comparison based on the exact same insurance coverage.

The providers in the list below provide free quotes in Nevada. If you wish to find the cheapest car insurance in Las Vegas, we suggest you visit as many as you can in order to get a fair rate comparison.

Coverage statistics and figures

The coverage information below covers detailed analysis of insurance premium costs for Jeep Liberty models. Having a better understanding of how premiums are calculated can benefit drivers when making decisions when choosing a new policy provider.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific location which can change premium rates considerably.

Analysis of deductible levels

A question often asked by Las Vegas drivers is how high should the physical damage coverage deductibles be. The premium rates below can help you visualize the price difference of buying low and high physical damage coverage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Table data does not factor in vehicle garaging location which can change premiums noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $19 more each month or $228 for a full year across all Jeep Liberty models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 21 months between claims, you would probably be better off if you elect the higher deductible. The table below shows an example of how you can do this calculation yourself.

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you have a comprehensive or collision claim. It will be required that you have some extra savings in the event you need to pay the deductible for vehicle repair.

The example below highlights how deductible choice and can influence Jeep Liberty insurance costs for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Does it make sense to buy full coverage?

The information below shows the comparison of Jeep Liberty car insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no accidents, no driving violations, $1,000 deductibles, single status, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no definitive formula to drop comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s assume your Jeep Liberty replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying your policy deductible. If premiums are more than $300 annually to have full coverage, then it may be the right time to buy liability only.

There are a few situations where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Three reasons to not skimp on insurance

Despite the fact that insurance is not cheap in Las Vegas, buying insurance is required by state law in Nevada and it also provides benefits you may not be aware of.

• Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to drive the car. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your Jeep Liberty, more than likely the lender will stipulate that you carry insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Jeep for a lot more money and require you to pay for the much more expensive policy.
• Insurance protects not only your Jeep but also your assets. It will also provide coverage for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you in the event you are sued. If mother nature or an accident damages your car, your insurance policy will pay to repair the damage.

The benefits of buying insurance definitely exceed the cost, particularly if you ever have a claim. Unknowingly, the average driver overpays more than $869 every year so smart consumers compare quotes each time the policy renews to ensure rates are inline.

Save a ton on Jeep Liberty insurance in Las Vegas with these seven insurance discounts

Companies don’t list every available discount very well, so the list below gives a summary of both the well known and the harder-to-find discounts you could be receiving when you buy Las Vegas auto insurance online. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.

• Early Switch Discount – A few companies give discounts for signing up prior to your current Liberty insurance policy expiration. It can save you around 10%.
• Safety Course Discount – Taking time to complete a defensive driver class could cut 5% off your bill depending on where you live.
• Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off with some insurance companies.
• Theft Deterrent Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Distant College Student Discount – Kids living away from Las Vegas attending college and leave their car at home could qualify for this discount.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings as much as 30%.
• Pay Upfront and Save – By making one initial payment instead of paying each month you can actually save on your bill.

As a footnote on discounts, most credits do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

The example below visualizes the comparison of Jeep Liberty car insurance rates with and without discounts applied to the premium. The price estimates are based on a male driver, no claims or violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, homeowner, safe-driver, and multi-car discounts applied.

To locate insurance companies offering insurance discounts in Nevada, click this link.

Compare rates but still have a local Las Vegas insurance agency

A small number of people still like to get advice from a local agent and we recommend doing that Professional insurance agents can help you build your policy and help in the event of a claim. The biggest benefit of comparing rates online is you may find lower rates and still have a local agent.

By using this form (opens in new window), the coverage information is submitted to insurance agents in Las Vegas who will return price quotes for your insurance coverage. There is no need to do any legwork due to the fact that quote results will go to you directly. In the event you want to compare prices from a particular provider, feel free to go to their quote page and submit a quote form there.

Choosing an insurer should include more criteria than just a cheap price quote. Any agent in Las Vegas should be forthright in answering these questions:

• How long has the business existed?
• Do they review policy coverages at every renewal?
• What is the agency’s Better Business Bureau rating?
• Will you work with the agent or an assistant?
• Can they give you a list of client referrals?
• How experienced are they in personal risk management?

The following are Las Vegas auto insurance companies that may be willing to give rate quotes for Jeep Liberty insurance in Las Vegas.

More Las Vegas agents

Car insurance coverage information

Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, falling objects, hitting a bird, rock chips in glass and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage will pay to fix damage to your Liberty caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, crashing into a building, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible on your Liberty to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Jeep Liberty.

Since many Nevada drivers have only the minimum liability required by law (Nevada limits are 15/30/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability insurance

This provides protection from damage or injury you incur to other people or property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 15/30/10 that means you have $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property.

Liability can pay for things like court costs, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a personal decision, but buy as much as you can afford. Nevada state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy higher limits.

The chart below shows why the minimum limit may not be high enough to adequately cover claims.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like prosthetic devices, chiropractic care, surgery and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Final considerations

Low-cost Jeep Liberty insurance in Las Vegas can be found online and also from your neighborhood Las Vegas agents, and you need to comparison shop both to have the best rate selection. A few companies don’t offer internet price quotes and most of the time these small insurance companies only sell through independent agents.

In this article, we presented many ideas to get a better price on Jeep Liberty insurance in Las Vegas. The key concept to understand is the more price quotes you have, the higher your chance of finding the cheapest Jeep Liberty rate quotes. Consumers may even find the best auto insurance rates are with an unexpected company. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like State Farm, GEICO and Nationwide.

More learning opportunities

• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for a Honda CR-V in Las Vegas? (FAQ)
• What Insurance is Cheapest for Drivers with Good Credit in Las Vegas? (FAQ)
• Who Has Cheap Las Vegas Car Insurance Quotes for Teenage Females? (FAQ)
• Who Has Affordable Auto Insurance Rates for a Ford Explorer in Las Vegas? (FAQ)
• Who Has the Cheapest Las Vegas Auto Insurance for a Honda Accord? (FAQ)
• Who Has Affordable Las Vegas Auto Insurance Rates for Low Income Drivers? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• What is a Telematics Device? (Allstate)