2015 Jeep Renegade Insurance Rates – 6 Policy Discounts

I really doubt anyone fancies paying their premiums for insurance, especially when the cost is way too high.

Lots of insurers contend for your business, so it can be very hard to choose a insurance company to get the lowest rate possible.

If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. Buying car insurance is not rocket science. But vehicle owners do need to understand how big insurance companies market on the web and use this information to your advantage.

How to compare free car insurance price quotes

When looking for inexpensive auto insurance quotes, there are a couple ways of comparing price quotes from many available car insurance companies in your state. By far the easiest way to find the cheapest Jeep Renegade insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form eliminates the need for separate forms for each company you want a rate for. In just a few minutes this one form gets prices estimates direct from many companies.
  2. A slightly less efficient method to find lower rates is to take the time to go to the website for every company you want to comare and fill out a new quote form. For instance, we’ll assume you want rates from USAA, Allstate and State Farm. In order to get each rate, you would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The final way to get comparison rates to different agent offices. Doing it all online has reduced the need for local agents unless you want the professional guidance that only an agent can give. Although you can find lower rates online but have a local agent actually write the policy.

Compare rates however you want, just be sure to compare equivalent deductibles and coverage limits on every quote. If each company quotes higher or lower deductibles it will be impossible to make a fair rate comparison. Even a minor difference in limits could skew the results. It’s important to know that comparing a wide range of rates will enable you to find a better price.

Earn discounts on auto insurance

Auto insurance companies do not list all possible discounts very clearly, so the next list breaks down a few of the more common in addition to some of the lesser obvious credits that may apply to you.

  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the premium charged for medical payments and/or PIP.
  • Save with a New Car – Insuring a vehicle that is new is cheaper because new vehicles have to meet stringent safety requirements.
  • First Accident Forgiveness – Not a discount per se, but a handful of insurance companies may permit one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Life Insurance Discount – Insurance carriers who offer life insurance give a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • College Student Discount – Children who live away from home at college and do not take a car to college could get you a discount.
  • Good Drivers – Insureds without accidents can save as much as half off their rates for Renegade insurance than their less cautious counterparts.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

Some of the larger companies who may offer many of the previously listed discounts may include but are not limited to:

When quoting, ask each company the best way to save money. A few discounts may not be available in every state. To find insurance companies who offer free auto insurance quotes, click this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • Is my nanny covered when driving my vehicle?
  • Do I have coverage if my license is suspended?
  • How much liability coverage do I need in my state?
  • What is UM/UIM insurance?
  • Do I need motorclub coverage?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage specifics

Understanding the coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.

Comprehensive coverages – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects, rock chips in glass, hitting a bird and damage from flooding. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – Liability coverage protects you from damage or injury you incur to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $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. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair costs for stationary objects, medical services, loss of income and legal defense fees. 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.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for chiropractic care, X-ray expenses, prosthetic devices and surgery. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 2015 Jeep Renegade.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, colliding with a tree, crashing into a ditch, crashing into a building and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.