How Much Does 2014 Jeep Wrangler Insurance Cost?

Having to pay for expensive car insurance can bottom out your savings account, especially in this economy. Vehicle owners have multiple insurers to buy insurance from, and although it’s a good thing to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

Insurance policy discounts you can’t miss

Insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at quote time, but some must be manually applied prior to getting the savings.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
  • Mature Driver Discount – Drivers over the age of 55 are able to get a small discount on rates for Wrangler insurance.
  • Accident Waiver – This one is not really a discount per se, but a few companies such as Geico, Allstate and Liberty Mutual allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free for a specific time period.
  • Defensive Driver Discount – Taking a driver safety class is a good idea and can lower rates and easily pay for the cost of the class.
  • Discounts for Multiple Vehicles – Drivers who insure more than one vehicle with the same company qualifies for this discount.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Professional Memberships – Having an affiliation with a qualifying organization is a simple method to lower premiums when shopping for insurance.
  • Pay Early and Save – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
  • Sign Early and Save – Some insurance companies provide a discount for switching companies prior to your current policy expiring. It’s a savings of about 10%.
  • Anti-theft System – Cars and trucks with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.

We need to note that most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will cut your insurance premiums.

Popular insurance companies and the discounts they provide are outlined below.

  • Esurance may include discounts for defensive driver, good driver, homeowner, online quote, multi-car, and safety device.
  • The Hartford policyholders can earn discounts including driver training, air bag, vehicle fuel type, bundle, defensive driver, anti-theft, and good student.
  • AAA offers premium reductions for pay-in-full, multi-car, education and occupation, AAA membership discount, multi-policy, and good driver.
  • Geico offers discounts including emergency military deployment, military active duty, federal employee, seat belt use, membership and employees, and defensive driver.
  • State Farm has savings for defensive driving training, anti-theft, Drive Safe & Save, accident-free, and safe vehicle.

When comparing rates, check with all companies you are considering which credits you are entitled to. Some discounts may not apply everywhere.

Which auto insurance is cheapest?

There are several ways to compare auto insurance quotes, but one way is more efficient than others. You could waste time talking to insurance companies in your area, or you can utilize online quoting for quick rates.

Many companies enroll in a system that allows shoppers to submit their information once, and each participating company returns a rated price for coverage. This system prevents you from having to do quote forms to every company. To fill out one form to compare multiple rates now click to open in new window.

The one downside to using this type of form is that you can’t choose which providers to get quotes from. If you wish to select from a list of companies for rate comparison, we have a page of companies who write auto insurance in your area. Click here to view list.

The method you choose is up to you, but compare equivalent coverages with each company. If you use unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might help in determining if you may require specific advice.

  • Is my Jeep Wrangler covered if I use it for business?
  • How much liability do I need to cover my assets?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I hit my neighbor’s mailbox?
  • When can my company non-renew my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

The coverage is in the details

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

UM/UIM Coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of 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 a good idea.

Coverage for liability

Liability coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, attorney fees, funeral expenses, structural damage and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as surgery, dental work, prosthetic devices, ambulance fees and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Wrangler caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Money doesn’t grow on trees

When searching for affordable insurance coverage quotes, it’s very important that you do not skimp on coverage in order to save money. Too many times, drivers have reduced liability coverage limits only to find out that it was a big error on their part. Your objective should be to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

You just read some good ideas how to lower your 2014 Jeep Wrangler insurance prices. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding affordable insurance coverage. Consumers may even find the lowest priced insurance coverage comes from a lesser-known regional company. They may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

Some insurance providers may not provide online rate quotes and usually these small, regional companies prefer to sell through independent agents. Lower-priced 2014 Jeep Wrangler insurance is possible both online and from local agencies, so compare prices from both in order to have the best price selection to choose from.

Much more information about insurance coverage can be read below: