Cheap 2017 Jeep Renegade Car Insurance Quotes

Do you think you bought overpriced car insurance? Believe me when I say many drivers feel the same as you.

Due to the large number of insurance providers from which to choose, it is hard for the average consumer to find the most cost effective insurer.

The purpose of this post is to familiarize you with how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Nevertheless, car owners can benefit by having an understanding of the way companies sell insurance online because it can help you find the best coverage.

Double check you’re getting these discounts

Insurance can be prohibitively expensive, but companies offer discounts that could help you make your next renewal payment. Some discounts will apply when you quote, but some may not be applied and must be inquired about prior to getting the savings. If you’re not getting every credit possible, you are throwing money away.

  • Multiple Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you will save up to 20% off your total premium.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on one policy could earn a price break for each car.
  • Military Rewards – Being on active duty in the military could trigger a small discount.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Claim-Free Discount – Drivers who don’t have accidents pay less as opposed to drivers with a long claim history.
  • Good Student Discount – A discount for being a good student may save you up to 25%. This discount can apply up until you turn 25.
  • No Charge for an Accident – This one is not really a discount per se, but companies like GEICO, Progressive, and Allstate will let one accident slide without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
  • Buy New and Save – Putting coverage on a new car can cost up to 25% less because newer vehicles are generally safer.
  • Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.

Remember that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

To choose insurance companies who offer discounts, click here to view.

Affordable insurance coverage rate quotes

When looking for inexpensive insurance quotes, there are a couple ways of comparing rate quotes from different insurance companies. The easiest way to comparison shop is to jump online and get quotes. This can be accomplished using a couple different methods.

  1. The best way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This quick form saves time by eliminating repetitive form submissions for every prospective company. Taking the time to complete one form will return quotes direct from many companies.
  2. A less efficient way to find better pricing is spending the time to visit each company’s website and fill out a new quote form. For examples sake, we’ll pretend you want to compare prices for State Farm, Farmers and Allstate. You would have to spend time on each company’s site and type in your information over and over, which can be really labor intensive. To view a list of companies in your area, click here.
  3. The most difficult method to comparison shop rate quotes is actually driving to different agent offices. The ability to get quotes online eliminates this option unless you have a complicated situation and need the guidance of a local agency. You can, however, find lower rates online but buy from a local insurance agent.

How you compare quotes is your choice, just ensure you’re using equivalent coverage limits and deductibles on every quote. If you are comparing differing limits it will be nearly impossible to truly determine the lowest rate. Just a small difference in coverage limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting a lower rate than you’re paying now.

Special considerations

When choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help you determine whether you would benefit from professional advice.

  • What is the minimum liability in my state?
  • What are the best liability limits?
  • When do I need to add a new car to my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Are my friends covered when driving my car?
  • At what point should I drop full coverage?
  • Is my ex-spouse still covered by my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Where can I get insurance after a DUI in my state?
  • Should I have a commercial auto policy?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Liability

Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, bail bonds and medical services. How much coverage you buy is your choice, but you should buy higher limits if possible.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Jeep Renegade.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a bird, a broken windshield and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as hospital visits, doctor visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

We just presented some good ideas how you can shop for 2017 Jeep Renegade insurance online. The key concept to understand is the more you quote insurance, the higher the chance of saving money. You may even find the best price on auto insurance is with the least-expected company. These companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Discount 2017 Jeep Renegade insurance can be bought from both online companies in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and most of the time these smaller companies work with independent agents.

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