Lower Your 2017 Jeep Renegade Insurance Cost

Looking for lower car insurance rates for your Jeep Renegade? Finding low-cost insurance for a Jeep Renegade can turn out to be a painful process, but you can use a few tricks and make it easy.

There is a better way to shop for car insurance and we’ll show you the proper way to compare rates for a new or used Jeep and obtain the lowest price from local insurance agents and online providers.

Consumers need to do rate comparisons as often as possible because car insurance prices are usually higher with each renewal. Despite the fact that you may have had the best rates for Renegade coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

These discounts can reduce auto insurance rates

Some insurers don’t always list every disount available very well, so the list below contains a few of the more well known in addition to some of the lesser obvious discounts that may be available. If you check and find you aren’t receiving every discount possible, you could be getting lower rates.

  • Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations may earn a discount on auto insurance.
  • Life Insurance – Select insurance companies reward you with a lower auto insurance rate if you buy auto and life insurance together.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Jeep can earn better rates on cars that stay parked.
  • College Student – living away from home attending college and don’t have a car could get you a discount.
  • Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.

Drivers should understand that some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

The best auto insurance companies and some of the discounts include:

  • State Farm discounts include safe vehicle, multiple policy, accident-free, Steer Clear safe driver discount, and Drive Safe & Save.
  • American Family offers discounts including Steer into Savings, good driver, bundled insurance, defensive driver, accident-free, air bags, and multi-vehicle.
  • Geico policyholders can earn discounts including anti-theft, multi-vehicle, emergency military deployment, membership and employees, driver training, and seat belt use.
  • 21st Century has savings for 55 and older, homeowners, air bags, automatic seat belts, good student, and theft prevention.
  • Progressive has discounts for multi-vehicle, good student, multi-policy, continuous coverage, online quote discount, and homeowner.

When getting a coverage quote, ask all the companies which discounts you qualify for. All car insurance discounts might not be offered in your area.

How to lower your insurance premiums

An important part of buying insurance is that you know some of the elements that help determine the level of your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that can earn you lower rates. Lots of things are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving history, although some other factors are less apparent such as your marital status or your financial responsibility.

  • Small claims can cost you – Companies award the best rates to insureds who are claim-free. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for claims that pose a financial burden.
  • Little extras can really add up – There are many extra coverages that can add up if you don’t pay attention. Add-on coverages like replacement cost coverage, death and dismemberment, and membership fees are probably not needed. They may seem like a good idea at first, but now you might not need them so consider taking them off your policy.
  • Urban residents pay more – Being located in a rural area is a positive aspect when talking about auto insurance. People who live in big cities regularly have more road rage incidents and longer commute times. Lower population translates into fewer accident claims.
  • Save money with good credit – Your credit rating will be a significant factor in calculating your premium rate. People that have very high credit ratings tend to file fewer claims than drivers with lower ratings. Therefore, if your credit history can be improved, you could save money insuring your 2017 Jeep Renegade by repairing your credit.

When do I need an agent’s advice?

When buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered when using my vehicle for business?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my custom paint covered by insurance?
  • Should I get collision insurance on every vehicle?
  • Are my friends covered when driving my 2017 Jeep Renegade?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have newly-aquired coverage?
  • Do I benefit by insuring my home with the same company?
  • What if I don’t agree with a claim settlement offer?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy specifics

Having a good grasp of your car insurance policy can be of help when determining the right 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.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, theft and vandalism. The maximum payout a car insurance company will pay at claim time 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.

Liability car insurance – This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical expenses, bail bonds, attorney fees, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Jeep Renegade.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Collision – This coverage covers damage to your Renegade from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as X-ray expenses, rehabilitation expenses, doctor visits, EMT expenses and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Have money to burn

Some insurance companies don’t offer online price quotes and many times these small insurance companies sell through independent agents. Budget-friendly insurance is available from both online companies in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from.

We’ve covered some good ideas how to get a better price on 2017 Jeep Renegade insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier.

As you shop your coverage around, never reduce coverage to reduce premium. Too many times, an insured cut full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

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