Lower Your 2017 Jeep Wrangler Car Insurance Quotes

Buyers have a choice when searching for the lowest priced Jeep Wrangler insurance. They can either waste time contacting agents getting price quotes or use the internet to compare rates.

There is a right way and a wrong way to find car insurance online so we’re going to tell you the quickest way to compare rates on a Jeep and find the best price possible.

This article will teach you how to effectively get price quotes. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Drivers only need to know how to get comparison rates over the internet.

Discounts for cheap insurance coverage rates

Companies offering auto insurance do not list every policy discount very clearly, so the below list has some of the more common and also the more inconspicuous credits that may apply to you. If you’re not getting every credit available, you are throwing money away.

  • Waiver for an Accident – Not necessarily a discount, but companies like Allstate, State Farm and Geico may permit one accident before your rates go up so long as you are claim-free prior to the accident.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially when compared with drivers with a long claim history.
  • Government Employees – Active or former government employment could qualify for a slight premium decrease on Wrangler insurance with certain companies.
  • Pay Early and Save – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
  • Renewal Discounts – Some insurance companies reward drivers for buying a policy before your current expiration date. You may see this discount when you get insurance coverage quotes online.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Senior Citizen Rates – Mature drivers can possibly qualify for a discount up to 10% on Wrangler insurance.
  • Telematics Data – People who choose to allow data collection to look at driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.
  • Professional Organizations – Being a member of qualifying clubs or civic groups can get you a small discount on your policy.
  • Resident Student – College-age children who attend college more than 100 miles from home and don’t have a car can be insured at a reduced rate.

Just know that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

A list of companies and the discounts they provide can be read below.

  • Geico offers discounts including defensive driver, seat belt use, good student, daytime running lights, emergency military deployment, and anti-lock brakes.
  • Travelers may include discounts for continuous insurance, good student, IntelliDrive, student away at school, payment discounts, save driver, and driver training.
  • Nationwide policyholders can earn discounts including anti-theft, accident-free, business or organization, easy pay, Farm Bureau membership, defensive driving, and multi-policy.
  • Farmers Insurance may offer discounts for multi-car, business and professional, bundle discounts, early shopping, distant student, youthful driver, and good student.
  • Esurance includes discounts for safety device, good driver, good student, paid-in-full, claim free, and Pac-12 alumni.
  • State Farm may have discounts that include student away at school, good driver, multiple autos, multiple policy, driver’s education, passive restraint, and accident-free.
  • Progressive has savings for homeowner, multi-vehicle, online quote discount, continuous coverage, multi-policy, online signing, and good student.
  • Mercury Insurance offers premium reductions for multi-policy, low natural disaster claims, location of vehicle, type of vehicle, multi-car, and annual mileage.

Before you buy a policy, ask each insurance company to apply every possible discount. Discounts may not be offered in every state.

Why you might pay lower rates

Part of the auto insurance buying process is learning some of the factors that are used to determine your premiums. If you understand what influences your rates, this allows you to make good choices that will entitle you to lower rates. Many different elements are taken into consideration when quoting car insurance. Some are obvious like your driving record, although some other factors are not as apparent such as your marital status or your commute time.

The following are just a few of the factors utilized by car insurance companies to help set your rates.

  • Cheap prices for being claim-free – Companies award lower rates to insureds who are claim-free. If you frequently file small claims, you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Liability risk factors in – Liability insurance will afford coverage when you are determined to be liable for personal injury or accident damage. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Drive less and save – The higher the mileage driven each year the more you’ll pay to insure your vehicle. A lot of companies price each vehicle’s coverage based on their usage. Cars used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Wrangler may be costing you. Ask your agent if your auto insurance coverage states annual mileage.
  • How old are your drivers? – Older insureds are more responsible, statistically cause fewer accidents and are safer drivers.Inexperience drivers are known to be careless and easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
  • Small coverages can add up – Insurance companies have many optional add-on coverages that sound like a good idea at the time when buying auto insurance. Insurance for replacement cost coverage, death and dismemberment, and term life insurance are examples of these. These coverages may sound good at first, but if they’re wasting money think about removing them and cutting costs.
  • Premiums increase with driving tickets – A bad driving record influences premium rates substantially. Attentive drivers receive lower rates than people who have multiple driving citations. Just one citation may cause rates to rise substantially. Drivers who have received severe violations like DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
  • Consolidate policies to earn discounts – Lots of insurance companies allow discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Even with this discount, it’s in your best interest to shop around to ensure the best deal.

You may need specialized car insurance coverage

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation may require specific advice.

  • I have health insurance so do I need medical payments coverage?
  • Should I carry comprehensive and collision coverage?
  • How much liability insurance is required?
  • Should I get collision insurance on every vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my nanny covered when driving my vehicle?
  • Who is covered by my policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your insurance policy

Understanding the coverages of a insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Jeep Wrangler.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for doctor visits, chiropractic care and surgery. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, medical services, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This coverage covers damage to your Wrangler from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Compare but don’t skimp

When you buy insurance coverage online, do not buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability coverage limits to discover at claim time that the savings was not a smart move. Your goal is to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

Insureds switch companies for many reasons like policy non-renewal, not issuing a premium refund, extreme rates for teen drivers and even being labeled a high risk driver. No matter why you want to switch, choosing a new company is easier than you think.

We covered many ways to lower your 2017 Jeep Wrangler insurance rates. The key concept to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Drivers may discover the best rates are with a company that doesn’t do a lot of advertising.

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