Save on 2007 Jeep Wrangler Insurance Rates

Consumers have many options when looking for low-cost Jeep Wrangler insurance. You can either spend your time contacting agents trying to get quotes or utilize the internet to get rate quotes. There are both good and bad ways to compare auto insurance rates so you’re going to learn the quickest way to get price quotes for a Jeep and obtain the lowest possible price either online or from local insurance agents.

Finding the best rates is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Drivers only need to know how to compare prices over the internet.

Get lower rates with these discounts

Auto insurance companies don’t always publicize every discount in an easy-to-find place, so here is a list a few of the more common as well as some of the hidden credits that may apply to you.

  • Multi-Vehicle Discounts – Having primary and secondary vehicles on one policy qualifies for this discount.
  • Mature Driver Discount – Mature drivers may qualify for a discount up to 10% on Wrangler coverage.
  • Discounts for Government Workers – Employees or retirees of the government can save as much as 8% on Wrangler coverage depending on your insurance provider.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • E-sign – Some larger companies will give a small break for buying a policy and signing up on your computer.
  • Home Ownership Discount – Just being a homeowner may trigger a policy discount on insurance because maintaining a house shows financial diligence.
  • Buy New and Save – Insuring a new car is cheaper due to better safety requirements for newer models.

We need to note that some credits don’t apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, that’s just not realistic.

Large insurance companies and some of their more popular discounts are detailed below.

  • Geico offers discounts for membership and employees, air bags, federal employee, five-year accident-free, seat belt use, and anti-theft.
  • Auto-Owners Insurance discounts include paid in full, good student, mature driver, safe driver, and student away at school.
  • American Family has savings for air bags, good driver, mySafetyValet, bundled insurance, and good student.
  • Esurance may have discounts that include anti-theft, Pac-12 alumni, good student, paid-in-full, and homeowner.
  • Progressive may include discounts for multi-policy, continuous coverage, multi-vehicle, homeowner, and online quote discount.
  • State Farm may offer discounts for student away at school, Drive Safe & Save, defensive driving training, driver’s education, multiple policy, and accident-free.
  • AAA policyholders can earn discounts including AAA membership discount, multi-car, anti-theft, multi-policy, and good student.

If you are trying to find affordable car insurance quotes, ask every insurance company to apply every possible discount. Some discounts listed above may not apply to policies in your area. To see a list of insurance companies who offer discounts, click this link.

Compare car insurance quotes online

There are a lot of ways to shop for car insurance, and some are more efficient than others. You could spend the better part of a day talking to insurance companies in your area, or you could use the web to get rate comparisons in just a few minutes.

Most of the best insurance companies enroll in a system that allows shoppers to send in one quote, and at least one company can provide price quotes. This system prevents you from having to do quote requests to each company. To fill out one form to compare multiple rates now click to open in new window.

One minor caviat to getting quotes like this is you are unable to specify which carriers to get quotes from. So if you prefer to pick from a list of companies to request quotes from, we put together a list of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, make sure you are using exactly the same coverage information with every price quote. If you are comparing different liability limits it will be next to impossible to make an equal comparison.

Insurance cost influencing factors

When buying insurance coverage it’s important to understand the rating factors that play a part in calculating your insurance coverage rates. If you know what influences your rates, this allows you to make good choices that could result in big savings. Multiple criteria are used when you get a price on insurance. Some are pretty understandable such as traffic violations, but some are not quite as obvious such as your marital status or your financial responsibility.

Shown below are a few of the “ingredients” companies use to determine rates.

  • Save money with theft deterrents – Buying a car with a theft deterrent system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop vehicle theft.
  • Drive less and get lower rates – The higher the mileage driven in a year the higher your rate. Most companies apply a rate based on their usage. Cars and trucks that sit idle most of the time get more affordable rates than cars that get driven a lot. Double check that your vehicle rating correctly shows annual mileage, because improper ratings can cost you money. Improper usage on your Wrangler can result in significantly higher rates.
  • Your job is a factor – Occupational choices like fire fighters, architects and accountants tend to pay higher premium rates because of job stress and long work days. On the other hand, professions such as actors, athletes and the unemployed have the lowest average rates on Wrangler coverage.
  • High premiums for youthful drivers – Older, more experienced drivers are more responsible, file fewer claims and get fewer tickets.Teenage drivers are known to be careless and easily distracted when at the wheel of a vehicle so insurance coverage rates are higher.
  • More traffic means higher claims – Having an address in small towns and rural areas can be a good thing when it comes to insurance coverage. Residents of big cities tend to have traffic congestion and a longer drive to work. Fewer drivers corresponds to lower accident rates in addition to lower liability claims
  • Get a ticket, pay higher prices – Good drivers get better prices as compared to careless drivers. Just one speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. Drivers unfortunate enough to have severe tickets such as reckless driving or DUI are required to file a SR-22 with their state DMV in order to legally drive a vehicle.
  • Poor credit decisions can cost you – An insured’s credit score will be a significant factor in calculating your insurance coverage rates. Insureds that have excellent credit tend to be less risk to insure than those with lower credit scores. Therefore, if your credit rating is lower than you’d like, you could be paying less to insure your 2007 Jeep Wrangler by improving your rating.
  • Get better rates if married – Walking down the aisle may cut your premiums on your insurance coverage policy. Having a spouse means you’re more financially stable and statistics show married drivers tend to file fewer claims.

Car insurance can be complex

When buying coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight whether your personal situation will benefit from professional help.

  • What is roadside assistance coverage?
  • Can I afford low physical damage deductibles?
  • Are my friends covered when driving my 2007 Jeep Wrangler?
  • Is my camper covered by my car insurance policy?
  • Which companies will insure high-risk drivers?
  • What is UM/UIM insurance?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Ads can be misleading

Consumers can’t ignore all the ads for the lowest price insurance coverage from companies such as Allstate and Progressive. All the companies have a common claim that drivers will save a bundle if you just switch your insurance coverage coverage to their company.

It sounds good, but how can they all offer drivers better rates? Here is the trick they use.

All companies quote their cheapest rates for the type of customer that earns them the highest profit. For instance, a desirable insured should be between the ages of 30 and 50, carries high limits, and chooses high deductibles. Anyone that fits those parameters will most likely get cheap premium rates and will probably cut their rates substantially.

Potential customers who fall short of this stringent profile will be quoted higher rates and ends up with the customer buying from someone else. The trick is to say “drivers that switch” not “all people who quote” save that much when switching. This is how insurance companies can state the savings. This really drives home the point why you really should get car insurance quotes from several different companies. It’s impossible to know which insurance companies will have the lowest rate quotes.

Specific coverage details

Having a good grasp of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

UM/UIM Coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

Collision coverage pays for damage to your Wrangler caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from getting keyed, vandalism, hail damage and damage from flooding. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like legal defense fees, funeral expenses, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like hospital visits, surgery, nursing services, doctor visits and ambulance fees. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

We covered a lot of techniques to lower your 2007 Jeep Wrangler insurance premium rates. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may be surprised to find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, being labeled a high risk driver and policy non-renewal. No matter why you want to switch, choosing a new insurance company can be pretty painless.

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