Save on 2016 Jeep Wrangler Insurance Cost

Sick and tired of robbing Peter to pay Paul to buy auto insurance? You’re in the same situation as the majority of other people.

Since you have so many companies to choose from, it can be impossible to find the cheapest insurance company.

Don’t overlook these insurance discounts

Companies that sell car insurance don’t always advertise their entire list of discounts very clearly, so the list below gives a summary of some of the best known as well as the least known credits available to you. If you’re not getting every credit you deserve, it’s possible you qualify for a lower rate.

  • One Accident Forgiven – Not a discount per se, but some companies like State Farm, Progressive and GEICO will forgive one accident before your rates go up with the catch being you have to be claim-free for a set time period.
  • Senior Citizen Discount – Older drivers can get reduced rates for Wrangler insurance.
  • Good Student Discount – A discount for being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
  • E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks for buying your policy on the internet.
  • Resident Student – Kids who live away from home at college without a vehicle on campus may be insured at a cheaper rate.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up could cut 10% or more off the medical payments premium.
  • Discount for New Cars – Adding a new car to your policy can get you a discount because new model year vehicles are generally safer.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • Military Deployment Discount – Having a deployed family member could be rewarded with lower prices.

As a sidenote, most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount will positively reduce your policy premium.

Large insurance companies and some of the discounts are:

  • State Farm includes discounts for student away at school, multiple autos, Steer Clear safe driver discount, multiple policy, good student, passive restraint, and good driver.
  • Farmers Insurance may include discounts for electronic funds transfer, good student, switch companies, pay in full, and homeowner.
  • Progressive has discounts for multi-vehicle, multi-policy, good student, online signing, homeowner, and online quote discount.
  • GEICO offers premium reductions for defensive driver, anti-lock brakes, five-year accident-free, driver training, seat belt use, membership and employees, and air bags.
  • Auto-Owners Insurance discounts include anti-lock brakes, student away at school, teen driver, multi-policy, paid in full, paperless, and good student.
  • The Hartford has savings for good student, air bag, driver training, anti-theft, bundle, defensive driver, and vehicle fuel type.
  • Farm Bureau may offer discounts for good student, youthful driver, safe driver, 55 and retired, and renewal discount.
  • USAA offers discounts for annual mileage, new vehicle, loyalty savings, multi-vehicle, and good student.

It’s a good idea to ask each insurance company which discounts can lower your rates. All car insurance discounts might not be offered in your area.

Compare free auto insurance price quotes

All the larger auto insurance companies allow consumers to get prices direct online. Doing online price comparisons is quite easy as you just type in your required coverages into the form. Upon sending the form, the system automatically retrieves your driving record and credit report and returns pricing information based on the information you submitted. This helps simplify price comparisons, but the work required to visit each company’s website and repetitively type in the same data gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you want to find better auto insurance pricing.

Quote rates the easy way

A better way to locate the lowest prices uses one simple form that gets prices from several companies at one time. It saves time, requires much less work on your part, and makes rate comparisons much simpler. After sending the form, it is quoted and you can choose any of the quotes returned. If a lower price is quoted, you simply finish the application and buy the new coverage. It takes just a few minutes to complete and may result in a nice savings.

To quickly get comparison pricing now, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend that you enter identical to your current policy. This ensures you will be getting a price comparison for similar insurance coverage.

How your Wrangler insurance prices are determined

Many factors are used when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although some other factors are more obscure like your vehicle usage or how financially stable you are.

The itemized list below are just a few of the factors companies use to determine premiums.

  • Safer the car lower the rate – Safe vehicles tend to have lower insurance rates. Safer cars reduce occupant injuries and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If your Jeep Wrangler has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Bundle policies with the same company – Most larger insurance companies apply discounts to customers that have more than one policy in the form of a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible.
  • Cheaper car insurance rates using alarm systems – Choosing a vehicle with advanced anti-theft systems can help lower your premiums. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop vehicle theft.
  • Drivers with responsible credit save on car insurance – An insured’s credit score is a large factor in determining what you pay for car insurance. So if your credit score is low, you could save money insuring your 2016 Jeep Wrangler by spending a little time repairing your credit. Insureds with excellent credit scores tend to be more responsible than drivers who have worse credit.
  • Lower rates come with age – More mature drivers are more cautious drivers, file fewer claims .Teen drivers have been known to be inattentive behind the wheel and because of this, their car insurance rates are much higher.
  • Do women or men drive better? – Over time, data shows women tend to be less risk to insure than men. That doesn’t necessarily mean that males are worse at driving than females. Both sexes are in fender benders at a similar rate, but the males cause more damage. They also receive more major tickets such as reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Car insurance rates and your vocation – Did you know that where you work can have an impact on rates? Occupations such as military personnel, business owners and miners generally pay higher average rates due to intense work situations and long work hours. Other jobs like professors, engineers and the unemployed get better rates for Wrangler insurance.
  • Tickets can be expensive – Having a clean driving record has a big impact on rates. Just one speeding ticket or other violation may increase your cost to the point where it’s not affordable. Drivers who don’t get tickets get better prices than their less careful counterparts. Drivers who get multiple tickets like reckless driving or DUI might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent a license revocation.

When to get professional advice

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine if your situation might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • Does liability extend to a camper or trailer?
  • Is my dog or cat covered if injured in an accident?
  • What is the minimum liability in my state?
  • Can I make deliveries for my home business?
  • How much liability do I need to cover my assets?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Will you really save $493 on insurance coverage?

Progressive, Allstate and GEICO seem to constantly run television, radio, and online ads. All the companies make the point about savings if you change your policy. It sounds good, but how can they all charge you less for car insurance? It’s all in how they say it.

Different companies are able to cherry pick for the type of driver that is profitable for them. One example of a desirable risk might have to be over age 30, has a clear driving record, and has great credit. A driver who matches that profile gets the lowest car insurance rates and will most likely save money with a new company.

Insureds who fall short of these criteria will get more expensive rates which leads to the customer not purchasing. If you listen closely, the ads state “people that switch” not “everyone that quotes” will save that much if they switch. This is how companies can state the savings. Each company has different criteria, so you should get a wide range of price quotes. Because you never know which company will have the lowest premium rates for your situation.

Insurance coverage specifics

Understanding the coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Collision coverage

This coverage covers damage to your Wrangler resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, crashing into a building, hitting a parking meter, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

This protects you from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as bail bonds, attorney fees, medical expenses and medical services. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, theft, a tree branch falling on your vehicle and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for surgery, X-ray expenses, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Jeep Wrangler.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Make a quick buck

We just showed you a lot of ways to save on 2016 Jeep Wrangler insurance. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the biggest savings come from a small mutual company. Regional companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive or GEICO.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. There are many occasions where someone dropped physical damage coverage only to regret that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the best cost while not skimping on critical coverages.

Budget-friendly car insurance is possible both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies do not offer internet price quotes and most of the time these regional insurance providers only sell through independent agents.

Even more information can be found in these articles: