How Much Does 2011 Jeep Wrangler Car Insurance Cost?

Want cheaper insurance rates for your Jeep Wrangler? Nobody that owns a car loves paying for insurance, especially when they could find better prices if they shop around.

With consumers having so many choices of insurance companies, it can be challenging to pick the most cost effective insurance company.

How to compare insurance rate quotes

There are a lot of ways to compare insurance prices and some are less time-consuming than others. You can waste a lot of time driving to insurance companies in your area, or you could use the web to get prices fast.

Most major companies belong to an insurance system where insurance shoppers complete one form, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating quote forms to each individual insurance company.

To compare rates using this form now click here to start a free quote.

One minor caviat to getting quotes like this is buyers cannot specifically choose which providers to get quotes from. So if you want to select individual companies to request quotes from, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but do your best to use exactly the same coverages and limits for each comparison quote. If the quotes have different data it will be very difficult to make a fair comparison for your Jeep Wrangler. Quoting even small variations in limits may result in a large different in cost. And when price shopping your coverage, more quotes helps locate better pricing. Some smaller insurers to not give rate quotes online, so you need to compare quotes from them as well.

Lower your insurance rates with discounts

The price of auto insurance can be rather high, but there are discounts available that many people don’t even know exist. A few discounts will be applied when you complete an application, but some need to be asked about before you will receive the discount. If you do not check that you are getting every discount possible, you’re paying more than you need to.

  • Driver Training Discounts – Taking time to complete a course in defensive driving could cut 5% off your bill and easily pay for the cost of the class.
  • Theft Deterent Discount – Vehicles that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Sign Early and Save – A few companies give discounts for buying a new policy prior to your current policy expiring. This discount can save up to 10%.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts could save 15% off the personal injury premium cost.
  • Service Members Pay Less – Being deployed in the military could mean lower insurance rates.
  • Multiple Vehicles – Purchasing coverage when you have more than one vehicle with one company may reduce the rate for each vehicle.
  • Early Payment Discounts – By making one initial payment instead of paying each month you can avoid monthly service charges.
  • Data Collection Discounts – People who choose to allow their insurance company to scrutinize driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.

Just know that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will lower the premium cost.

A list of companies and their offered discounts are:

  • Travelers may have discounts that include continuous insurance, driver training, save driver, new car, and hybrid/electric vehicle.
  • 21st Century may include discounts for theft prevention, automatic seat belts, student driver, driver training, teen driver, and anti-lock brakes.
  • State Farm discounts include good student, defensive driving training, accident-free, Steer Clear safe driver discount, driver’s education, and multiple autos.
  • Geico policyholders can earn discounts including anti-lock brakes, anti-theft, good student, emergency military deployment, membership and employees, and seat belt use.
  • SAFECO has discounts for accident prevention training, drive less, safe driver, multi-car, homeowner, and anti-theft.
  • AAA offers premium reductions for education and occupation, multi-policy, good driver, multi-car, pay-in-full, good student, and anti-theft.

Before buying, ask all the companies which credits you are entitled to. Some discounts might not apply in your area. To see a list of providers who offer insurance discounts, click this link.

You are unique and your car insurance should be too

When choosing proper insurance coverage, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • What vehicles should carry emergency assistance coverage?
  • Is my trailer covered?
  • Does insurance cover tools stolen from my truck?
  • Should I get collision insurance on every vehicle?
  • What is covered by UM/UIM coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Coverages available on your insurance policy

Learning about specific coverages of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, hitting a deer, damage from flooding, hitting a bird and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your 2011 Jeep Wrangler.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as chiropractic care, surgery and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays for damage to your Wrangler from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Liability coverage

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, structural damage, repair bills for other people’s vehicles, loss of income and emergency aid. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.