2015 Jeep Wrangler Insurance Cost – 9 Tips for Best Prices

Consumers have lots of choices when looking for the best price on Jeep Wrangler insurance. They can either waste time driving around trying to get quotes or save time using the internet to find the lowest rates.

There is a better way to buy auto insurance so you’re going to learn the absolute fastest way to get price quotes for your Jeep and locate the best price possible from local insurance agents and online providers.

It’s important to do rate comparisons at least once a year due to the fact that insurance rates are constantly changing. If you had the lowest rates for Wrangler coverage two years ago you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the web, but we’re going to give you the easiest ways to find affordable auto insurance.

The best way we recommend to get rate comparisons takes advantage of the fact auto insurance companies actually pay money for the chance to provide you with free rate quotes. To start a quote, the only thing you need to do is provide a small amount of information such as how much school you completed, the type of vehicles you drive, if you’re married, and if you are currently licensed. The rating information is then sent to multiple different insurance companies and you get price estimates with very little delay.

To compare multiple company rates now, click here and find out if lower rates are available.

These nine discounts can lower your rates

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Some trigger automatically when you quote, but some may not be applied and must be manually applied in order for you to get them. If they aren’t giving you every credit possible, you are throwing money away.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.
  • No Accidents – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for Wrangler coverage than drivers with accident claims.
  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Memberships – Belonging to a qualifying organization is a good way to get lower rates when buying insurance for Wrangler coverage.
  • Accident Waiver – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will cut the amount you have to pay.

Car insurance companies that may offer these money-saving discounts are:

Check with each company what discounts are available to you. Discounts may not be available in your state.

Different people need different coverages

When choosing the best car insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • Do I need an umbrella policy?
  • Am I covered if I wreck a rental car?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage when using my vehicle for my home business?
  • How much can I save by bundling my policies?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • If my pet gets injured in an accident are they covered?
  • Can I afford low physical damage deductibles?
  • How high should my medical payments coverage be?
  • What is roadside assistance coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

What auto insurance coverages do you need?

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

This protects you from damage that occurs to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical services, court costs, medical expenses, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills like EMT expenses, nursing services and surgery. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, vandalism and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Jeep Wrangler.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

Cost effective 2015 Jeep Wrangler insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at an affordable rate.

People change insurance companies for many reasons like policy non-renewal, delays in paying claims, being labeled a high risk driver and high rates after DUI convictions. Regardless of your reason, switching car insurance companies is not as difficult as it may seem.

To read more, link through to the following helpful articles: