2017 Jeep Wrangler Insurance Quotes – 8 Ways to Save

Trying to find lower insurance coverage rates for your Jeep Wrangler? Are you regretting buying an overpriced insurance coverage policy? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out. You have multiple insurers to purchase coverage from, and though it is a good thing to have a choice, it can be more challenging to find the best rates for your vehicles.

The purpose of this post is to tell you the most effective way to quote insurance and some tips to save money. If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Drivers just need to know the proper way to compare price quotes online.

Which insurance coverage is cheapest?

Cutting your insurance coverage rates isn’t really that difficult. The only thing you need to do is take the time comparing price quotes from online providers. This can be accomplished using one of these methods.

The most recommended method to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for boring form submissions to each individual insurance coverage company. Completing one form gets you price quotes from multiple low-cost companies.

A more difficult way to find more affordable insurance consists of going to each company website and fill out their own quote form. For sake of this example, let’s assume you want to compare prices for USAA, Liberty Mutual and American Family. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker. For a list of companies in your area, click here.

Whichever way you choose to compare rates, be sure to compare the exact same quote data with each company. If you have differing limits you will not be able to get a fair rate comparison.

Save money with these eight insurance discounts

Companies do not list the complete list of policy discounts very well, so the below list has a few of the more common and the more hidden credits that you can use to lower your rates. If you do not double check each discount you deserve, you’re paying more than you need to.

• Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
• Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
• Passenger Safety Discount – Factory air bags or automatic seat belts may qualify for discounts of up to 25% or more.
• Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free for a set time period.
• Homeowners Savings – Just owning your own home can earn you a little savings since home ownership is proof of financial responsibility.
• New Car Discount – Putting insurance coverage on a new car is cheaper since new vehicles are generally safer.
• Bundled Policy Discount – If you can combine your auto and homeowners policy with one company you could earn a discount of up to 20% and get you affordable car insurance.
• Active Service Discounts – Being deployed with a military unit could trigger a small discount.

Just know that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you can get free auto insurance, insurance companies aren’t that generous.

To view insurers with discount insurance rates, click this link.

Insurance can get complicated

When buying coverage, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For instance, these questions may help highlight whether or not you could use an agent’s help.

• How do I file an SR-22 for a DUI in my state?
• Will my insurance pay for OEM parts?
• Should I have a commercial auto policy?
• Should I buy full coverage?
• When should I not file a claim?
• What is no-fault insurance?
• Should I carry comprehensive and collision coverage?
• Is a new car covered when I drive it off the dealer lot?
• Is my teenager covered with friends in the car?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Car insurance 101

Learning about specific coverages of car insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.

Liability auto insurance – Liability insurance will cover damage that occurs to other’s property or people that is your fault. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as funeral expenses, medical services, court costs and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses for things like rehabilitation expenses, nursing services, X-ray expenses and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Jeep Wrangler.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a bird and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.