Car Insurance Rate Quotes for a Jeep Liberty in Riverside

It’s an obvious assumption that auto insurance companies don’t want their policyholders to compare prices. People who get price comparisons will presumably switch to a new company because there is a great chance of finding a lower-priced policy. Surprisingly, a recent survey revealed that drivers who compared rates annually saved approximately $72 a month compared to people who never compared prices.

If finding budget-friendly rates on car insurance in Riverside is why you’re reading this, then having a good understanding how to shop for coverages can save money and time.

Insurance quote for Jeep Liberty in RiversideIf you want to save money, the best way to get more affordable car insurance rates is to regularly compare price quotes from providers who can sell car insurance in Riverside. Drivers can shop around by completing these steps.

The key aspect of shopping around is that you’ll want to make sure you compare the same coverage limits and deductibles on each quote and and to look at as many car insurance companies as possible. Doing this ensures a fair price comparison and a better comparison of the market.

Locating the best rates in Riverside is much easier if you know where to start. If you have a current insurance policy, you will surely be able to find the best rates using the techniques presented in this article. Shoppers only have to learn the quickest way to shop their coverage around online.

Cutting your Riverside auto insurance rates doesn’t have to be difficult. All that’s required is to take a few minutes comparing price quotes to discover which company has affordable Jeep Liberty insurance quotes.

The providers in the list below offer comparison quotes in Riverside, CA. If multiple providers are shown, it’s a good idea that you get rate quotes from several of them in order to find the most competitive rates.

Insurance rate breakdown

The rate information shown below covers detailed analysis of policy rates for Jeep Liberty models. Being aware of how rate quotes are established is important for making decisions on which coverage to buy.


Jeep Liberty Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $204 $366 $596 $36 $178 $1,380 $115
Liberty Limited 2WD $234 $366 $596 $36 $178 $1,410 $118
Liberty Renegade 4WD $234 $366 $596 $36 $178 $1,410 $118
Liberty Sport 4WD $234 $366 $596 $36 $178 $1,410 $118
Liberty Limited 4WD $234 $446 $596 $36 $178 $1,490 $124
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in specific Riverside garaging location which can raise or lower premiums significantly.

Physical damage deductibles

When shopping for car insurance, a common question is what deductibles to buy. The premium rates below may aid in understanding the differences in price between low and high policy deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.


Jeep Liberty insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $298 $472 $442 $26 $132 $1,395 $116
Liberty Limited 2WD $342 $472 $442 $26 $132 $1,439 $120
Liberty Renegade 4WD $342 $472 $442 $26 $132 $1,439 $120
Liberty Sport 4WD $342 $472 $442 $26 $132 $1,439 $120
Liberty Limited 4WD $342 $576 $442 $26 $132 $1,543 $129
Get Your Own Custom Quote Go

Jeep Liberty insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Liberty Sport 2WD $242 $382 $442 $26 $132 $1,224 $102
Liberty Limited 2WD $278 $382 $442 $26 $132 $1,260 $105
Liberty Renegade 4WD $278 $382 $442 $26 $132 $1,260 $105
Liberty Sport 4WD $278 $382 $442 $26 $132 $1,260 $105
Liberty Limited 4WD $278 $464 $442 $26 $132 $1,342 $112
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in specific Riverside garaging location which can lower or raise prices significantly.

Based on these figures, using a $250 deductible costs approximately $15 more each month or $180 each year than opting for the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 17 months between claims, you would probably be better off by going with a higher deductible. The numbers below show a better example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $121
Average monthly premium for $500 deductibles (subtract): – $106
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important caveat is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You need to have some savings in the bank in order to pay the higher deductible in order to repair your vehicle.

The diagram below highlights how deductible choice and can affect Jeep Liberty insurance rates for different age groups of insureds. The data assumes a married female driver, comp and collision included, and no discounts are taken into consideration.

Careless drivers pay higher rates

The information below shows how traffic citations and accidents can drive up Jeep Liberty car insurance costs for each different age group. The rate quotes are based on a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

Difference between liability only and full coverage rates

The chart below shows the comparison of Jeep Liberty car insurance rates with liability coverage only compared to full coverage. The rates are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Guidelines for eliminating full coverage

There is no set guideline of when to phase out full coverage, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Jeep Liberty book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are paying in excess of $500 annually for full coverage, then you might consider buying liability only.

There are some scenarios where only buying liability is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Why you need quality insurance for your Jeep vehicle

Despite the fact that auto insurance is not cheap in Riverside, auto insurance may be required for several reasons.

The benefits of carrying adequate insurance greatly outweigh the cost, particularly if you ever have a claim. But the average American driver overpays more than $855 a year so compare rates at every policy renewal to be sure current rates are still competitive.

How Car Insurance Companies Calculate Jeep Liberty Insurance Costs

The best way to find cheaper insurance is to take a look at the different types of things that help calculate the rates you pay for insurance. If you understand what determines base rates, this enables you to make decisions that may result in lower insurance prices.

Ratings for California car insurance companies

Choosing a highly-rated company can be difficult considering how many companies sell coverage in California. The information in the next section may help you select which car insurance companies you want to consider purchasing from.

Top 10 Riverside Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top 10 Riverside Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Quote more to save more

The cheapest Jeep Liberty insurance in Riverside can be sourced both online and from local insurance agents, and you should be comparing both to have the best selection. Some insurance providers don’t offer online rate quotes and these small, regional companies work with local independent agencies.

We just presented many tips how you can reduce Jeep Liberty insurance prices online in Riverside. The key concept to understand is the more you quote Riverside car insurance, the better your comparison will be. You may even find the lowest priced car insurance comes from some of the smallest insurance companies.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. In many instances, an insured dropped collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find for the lowest price, but do not skimp to save money.

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