Auto Insurance Quotes for a Jeep Liberty in Bakersfield

Insurance rates Jeep Liberty in BakersfieldHow long has it been since you compared the cheapest car insurance rates in Bakersfield, CA? Bakersfield buyers have options when searching for the best price on Jeep Liberty insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to quote coverages on a Jeep and get the lowest price.

Compare Bakersfield Jeep Liberty insurance price quotes

The companies in the list below offer comparison quotes in Bakersfield, CA. If multiple companies are listed, we suggest you get price quotes from several of them to get a more complete price comparison.

Lower-cost Jeep Liberty insurance in Bakersfield

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Some discounts apply automatically when you get a quote, but once in a while a discount must be specifically requested before being credited. If you do not check that you are getting every discount you deserve, you are not getting the best rate possible.Discount car insurance

Just know that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Even though it appears you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will definitely reduce the amount you pay for coverage.

The chart below illustrates the comparison of Jeep Liberty insurance premiums with and without policy discounts. Data assumes a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, claim-free, safe-driver, and homeowner discounts applied.

A few popular companies and their possible discounts are included below.

It’s a good idea to ask each company or agent to apply every possible discount. All car insurance discounts may not apply to policies in every state. If you would like to view car insurance companies with the best Jeep Liberty insurance discounts in Bakersfield, click here.

Premium rates and analysis

The table shown below showcases a range of coverage costs for Jeep Liberty models. Learning as much as possible about how premiums are determined can help customers make informed decisions.

Jeep Liberty Insurance Rates in Bakersfield, 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
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in garaging location in Bakersfield which can revise price quotes greatly.

Insurance rates are higher with tickets and accidents

The illustration below demonstrates how citations and at-fault collisions influence Jeep Liberty premium costs for each different age category. The premiums are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Liability only or full coverage

The diagram below visualizes the comparison of Jeep Liberty auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no violations or claims, $1,000 deductibles, single marital status, and no policy discounts are applied.

Should you pay for full coverage?

There isn’t a written rule for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s assume your Jeep Liberty replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Buy Jeep Liberty Insurance Cheaper

Lots of factors are considered when you quote your car insurance policy. Most are fairly basic such as traffic violations, but others are not as apparent like your vehicle usage and annual miles driven.

The itemized list below are some of the most common factors used by your company to calculate prices.