2018 Jeep Wrangler Insurance Rates – 10 Discounts for Cheaper Quotes

Searching for lower insurance rates for your Jeep Wrangler? If you’re shopping for more affordable insurance online, do you get frustrated by the sheer number of insurance sources that you can choose from? There are such a large number of options that it can turn into a lot of work to locate the lowest rates.

Cheaper rates with these ten discounts

Companies that sell car insurance don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of some of the best known and also the more inconspicuous credits that may apply to you. If you do not double check each discount available, you may be paying too high a price.

Braking Control Discount – Cars that have anti-lock braking systems can reduce accidents and will save you 10% or more.
Multi-policy Discount – If you can bundle your homeowners and auto insurance and insure them with the same company you could earn a discount of nearly 15% which can help you find the cheapest car insurance.
Multi-line Discount – Larger insurance companies have lower premium rates if you buy some life insurance in addition to your auto policy.
Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.
No Claim Discounts – Drivers with accident-free driving histories pay much less compared to accident-prone drivers.
Save with a New Car – Insuring a new car can get you a discount since new vehicles have better safety ratings.
Safety Course Discount – Participating in a safe driver course could save 5% or more and easily pay for the cost of the class.
Good Driver Discount – Insureds who avoid accidents may receive a discount up to 45% for Wrangler insurance than drivers with accidents.
Government Employees – Active or former government employment may reduce rates when you quote car insurance for Wrangler insurance with select insurance companies.
Save with More Vehicles Insured – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.

Don’t be surprised that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, it’s just not the way it works. But all discounts should help reduce the amount you have to pay.

Large insurance companies and a selection of discounts are:

Progressive offers discounts for online signing, multi-vehicle, homeowner, online quote discount, good student, and continuous coverage.
SAFECO offers premium reductions for anti-lock brakes, multi-car, homeowner, teen safe driver, and anti-theft.
American Family may have discounts that include good student, good driver, TimeAway discount, air bags, Steer into Savings, early bird, and accident-free.
MetLife offers discounts including good driver, good student, multi-policy, accident-free, defensive driver, and claim-free.
Geico policyholders can earn discounts including defensive driver, daytime running lights, multi-policy, anti-lock brakes, and five-year accident-free.
The Hartford may include discounts for driver training, good student, defensive driver, air bag, anti-theft, bundle, and vehicle fuel type.

If you are trying to find inexpensive car insurance quotes, ask every insurance company to give you their best rates. Some discounts listed above might not apply in every state. If you would like to choose from a list of insurers who offer insurance discounts, click here.

Big names are not always cheapest

Car insurance companies such as Progressive, Geico, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to tend to make the same promise that you’ll save big after switching your coverage. Is it even possible that every company can charge lower premium rates? This is the way they can do it.

Car insurance companies have a certain “appetite” for the driver that will add to their bottom line. For instance, a desirable risk may need to be over age 30, has had continuous coverage, and drives less than 5,000 miles a year. A driver that meets those criteria receive the lowest rate quotes and will save a lot of money.

Insureds who don’t qualify for the ideal profile may be required to pay a more expensive rate and this results in the customer buying from a different company. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently make claims like that. This emphasizes why it’s extremely important to compare many company’s premium rates. It is just not possible to predict which insurance companies will be your best fit.

What is the best insurance coverage?

When it comes to buying the best insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if you could use an agent’s help.

How do I insure my teen driver?
Should I buy more coverage than the required minimum liability coverage?
What discounts do I qualify for?
How can I get my company to pay me more for my totalled car?
Is my teenager covered with friends in the car?
Exactly who is provided coverage by my policy?
Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage options for a Jeep Wrangler

Having a good grasp of your car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, colliding with a tree, crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

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

Comprehensive can pay for things such as theft, fire damage, hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like chiropractic care, EMT expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Jeep Wrangler.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Auto liability insurance – This protects you from damages or injuries you inflict on other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as medical services, legal defense fees, funeral expenses and medical expenses. How much coverage you buy is a personal decision, but buy as much as you can afford.

Affordable insurance is out there

When you buy car insurance online, make sure you don’t buy less coverage just to save a little money. In many instances, an insured cut collision coverage only to regret at claim time they didn’t purchase enough coverage. Your objective should be to find the BEST coverage at the best price, but do not skimp to save money.

We covered a lot of ways to shop for 2018 Jeep Wrangler insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a small local company.

Budget-friendly auto insurance is attainable online in addition to many insurance agents, so you need to quote car insurance with both so you have a total pricing picture. Some insurance providers do not offer the ability to get quotes online and these regional insurance providers work with independent insurance agencies.