View 2014 Jeep Wrangler Insurance Quotes

Searching for cheaper insurance for your Jeep Wrangler can turn out to be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to find insurance online so we’re going to tell you the quickest way to quote coverages for a new or used Jeep and find the cheapest rates.

It’s smart to do rate comparisons yearly due to the fact that insurance rates are usually higher with each renewal. If you had the best deal for Wrangler insurance last year you will most likely find a better rate today. So just forget anything you know (or think you know) about insurance because you’re going to learn one of the quickest ways to find lower rates on insurance.

The quickest method to get policy rate comparisons is to take advantage of the fact most of the bigger providers actually pay money for the chance to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details such as the year, make and model of vehicles, driver ages, types of safety features, and if you are currently licensed. That rating information is instantly submitted to multiple companies and they return rate quotes almost instantly.

To get price quotes for your 2014 Jeep Wrangler, click here and find out if you can get cheaper insurance.

Ads can be misleading

Consumers constantly see and hear ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies make the same claim that you can save if you move to them.

How do they all make almost identical claims? This is how they do it.

All the different companies have a certain “appetite” for the right customer that is profitable for them. A good example of a desirable insured might be over the age of 50, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will get very good rates and most likely will save a lot of money.

Drivers who do not match the “perfect” profile will be quoted a higher premium and this can result in the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently make the claims of big savings. This emphasizes why you need to get a wide range of price quotes. It’s just too difficult to predict the company that will provide you with the cheapest Jeep Wrangler insurance rates.

Discounts are basically free money

Car insurance companies don’t always list every discount in a way that’s easy to find, so we researched some of the more common and the more hidden savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Low Mileage – Fewer annual miles on your Jeep can qualify you for lower rates on the low mileage vehicles.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Good Student Discount – This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates on your policy for Wrangler insurance.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

Drivers should understand that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of insurers offering insurance coverage discounts, click here.

Which insurance is the “right” coverage?

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

  • Should I waive the damage coverage when renting a car?
  • Which is better, split liability limits or combined limits?
  • Should I have a commercial auto policy?
  • Is a blown tire covered by insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What if I total my 2014 Jeep Wrangler and owe more than it’s worth?
  • Does my 2014 Jeep Wrangler need full coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

What insurance coverages do you need?

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2014 Jeep Wrangler.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability – Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, pain and suffering, attorney fees, repair costs for stationary objects and medical services. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Collision – This will pay to fix damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance – This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, a broken windshield and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for nursing services, chiropractic care, prosthetic devices, hospital visits and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Save for a rainy day

We covered some good ideas how you can get a better price on 2014 Jeep Wrangler insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best prices are with a smaller regional carrier.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed liability coverage limits and learned later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, poor customer service, being labeled a high risk driver or even high rates after DUI convictions. No matter why you want to switch, finding a great new company can be easier than you think.

Much more information about car insurance can be read at the links below