2016 Jeep Renegade Insurance Quotes

Searching for cheaper auto insurance rates for your Jeep Renegade? Nobody likes paying for auto insurance, especially knowing they could get a better deal.

With people having so many companies and agents to choose from, it can be challenging to pick the best auto insurance provider.

This information will tell you how to effectively get price quotes and some tips to save money. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Although drivers must learn how the larger insurance companies sell insurance online.

Double check you’re getting these money-saving discounts

Car insurance can cost a lot, but discounts can save money and there are some available that can help lower your rates. Some discounts will apply at the time of purchase, but some may not be applied and must be requested specifically prior to receiving the credit.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
  • More Vehicles More Savings – Purchasing coverage when you have several vehicles with the same company can get a discount on all vehicles.
  • Include Life Insurance and Save – Insurance carriers who offer life insurance give lower premium rates if you buy auto and life insurance together.
  • Military Discounts – Being deployed in the military could qualify you for better premium rates.
  • Clubs and Organizations – Belonging to certain professional organizations could trigger savings on your next renewal.
  • Discount for Home Ownership – Just being a homeowner can help you save on insurance coverage because of the fact that having a home is proof of financial responsibility.
  • Senior Citizen Discount – Drivers over the age of 55 are able to get reduced rates on Renegade insurance.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Telematics Data – Insureds that choose to allow data collection to monitor their driving habits by using a telematics device in their vehicle like Allstate’s Drivewise may see discounts if they exhibit good driving behavior.
  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.

Policy discounts save money, but most credits do not apply the the whole policy. Most only cut individual premiums such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Popular insurance coverage companies and some of their more popular discounts can be read below.

  • Farm Bureau offers premium reductions for renewal discount, multi-vehicle, 55 and retired, safe driver, and driver training.
  • State Farm has discounts for Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, good driver, multiple autos, and multiple policy.
  • Progressive offers discounts including homeowner, good student, multi-policy, continuous coverage, and multi-vehicle.
  • Allstate may offer discounts for anti-lock brakes, premier plus, EZ pay plan discount, anti-theft, new car, resident student, and passive restraint.
  • Nationwide has savings for family plan, easy pay, anti-theft, business or organization, and defensive driving.
  • MetLife policyholders can earn discounts including good student, defensive driver, good driver, accident-free, claim-free, and multi-policy.

When comparing rates, check with every prospective company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies in your state. If you would like to choose from a list of providers that have a full spectrum of discounts, follow this link.

The quickest method to get rate comparisons is to take advantage of the fact most of the bigger providers allow for online access to give you rate quotes. All consumers are required to do is give them rating details such as how much school you completed, if you have a valid license, types of safety features, and how your vehicles are used. Those rating factors is instantly submitted to multiple companies and you will receive price estimates quickly.

Do I need special coverages?

When it comes to buying adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

  • Who is covered by my policy?
  • Is business equipment covered while in my vehicle?
  • What is an SR-22 filing?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does insurance cover damages from a DUI accident?
  • Does coverage extend to my business vehicle?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

What car insurance coverages do you need?

Learning about specific coverages of car insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Liability car insurance

This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for dental work, EMT expenses, hospital visits and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your Renegade resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane, vandalism and rock chips in glass. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Make a quick buck

You just read some good ideas how you can lower your 2016 Jeep Renegade insurance premium rates. The key thing to remember is the more providers you compare, the better your chances of lowering your prices. Drivers may discover the most savings is with the least-expected company. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

When shopping online for car insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an insured cut collision coverage and learned later they didn’t have enough coverage. The goal is to buy enough coverage for the lowest price, but do not skimp to save money.

Much more information about car insurance is located at the links below