2011 Jeep Wrangler Insurance Rates

Buying low-cost insurance coverage online may be rather challenging for consumers new to price shopping online. With dozens of companies in the marketplace, how can you effectively compare every one to find the lowest price?

Consumers need to price shop coverage at least once a year due to the fact that insurance rates change regularly. Despite the fact that you may have had the best rates on Wrangler coverage six months ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the things you must know in order to buy cheaper insurance coverage.

Buying car insurance is not that difficult. If you currently have car insurance, you will be able to cut costs considerably using this information. Nevertheless, consumers should learn how companies compete online and use this information to your advantage.

Car Insurance Comparison Rates

There are a variety of methods you can shop for 2011 Jeep Wrangler car insurance but one way is more efficient than others. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize online quoting for quick rates.

All the larger companies participate in an industry program that enables customers to complete one form, and every company then gives them pricing determined by their information. This system prevents you from having to do quote forms for each company you want a rate for.

To compare 2011 Jeep Wrangler rates now click here to open in new window.

The one disadvantage to doing it this way is that you can’t choose which companies you will receive quotes from. So if you want to select specific insurance companies to request quotes from, we put together a list of car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you’re using the exact same information for every company. If you compare different values for each quote it’s impossible to truly determine the lowest rate. Just a small difference in limits may cause a big price difference. It’s important to know that having more price comparisons will improve the odds of getting better pricing.

Be sure to get all your discounts

Companies that sell car insurance don’t always list all available discounts very clearly, so we researched some of the more common and also the lesser-known insurance coverage savings.

  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Wrangler coverage than drivers with accident claims.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Paperless Signup – Some insurance companies will give a small break simply for signing on their website.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of companies with the best insurance coverage discounts, click here to view.

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions might point out whether you might need professional guidance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy only the required minimum liability coverage?
  • Will my rates increase for filing one claim?
  • Does having multiple vehicles earn me a discount?
  • When can I cancel my policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Jeep Wrangler insurance rates consist of many parts

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for car insurance. Understanding what influences your rates helps enable you to make changes that could result in big savings.

Shown below are a few of the “ingredients” that factor into premiums.

  • Do you know you’re credit rating? – Having a bad credit history is a big factor in your rate calculation. So if your credit score is not that good, you could save money insuring your 2011 Jeep Wrangler by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • A clean driving record saves money – Just one ticket can boost insurance rates by twenty percent. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • How your age affects price – Older insureds are more cautious drivers, tend to file fewer claims and get fewer tickets. Young drivers have a tendency to be more careless when behind the wheel and because of this, their car insurance rates are much higher.
  • More claims means more premium – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance companies generally give better rates to drivers who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Jeep from damage. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more the insured has to pay upfront, the less your car insurance will be on Wrangler coverage.

Specific coverages for a 2011 Jeep Wrangler

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as bail bonds, funeral expenses, loss of income and medical services. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as nursing services, funeral costs, ambulance fees, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance will pay to fix damage to your Wrangler from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, driving through your garage door, rolling your car and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, hitting a deer and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2011 Jeep Wrangler.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Be Smart and Buy Smart

Budget-conscious 2011 Jeep Wrangler insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

When shopping online for insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In many instances, consumers will sacrifice physical damage coverage to discover at claim time that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, high prices, high rates after DUI convictions and policy cancellation. It doesn’t matter what your reason, switching insurance coverage companies is actually quite simple.

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