Save on 2018 Jeep Wrangler JK Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Don’t sweat it because many drivers feel the same as you. Lots of auto insurance companies contend for your business, and because of this it can be hard to compare insurance companies to find the best price available.

You need to do price comparisons periodically since insurance prices change quite often. Even if you think you had the best price on Wrangler JK coverage at your last renewal you will most likely find a better rate quote today. Block out anything you think you know about insurance because you’re about to learn the tricks you need to know to find the best coverage while lowering your premiums.

If you have insurance now or need a new policy, you can use these techniques to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers just need to understand the proper methods to get comparison quotes over the internet.

Four factors that impact insurance premiums

Part of the insurance buying process is learning some of the things that come into play when calculating the rates you pay for insurance. If you know what influences your rates, this helps enable you to make changes that may reward you with lower premium levels. Multiple criteria are used when quoting car insurance. Some of the criteria are obvious like your driving record, but some are not quite as obvious such as your credit history or your financial responsibility.

The itemized list below are some of the most rate-impacting factors used by insurance companies to determine your rate level.

  • Incidental coverages you don’t use – Insurance policies have a lot of additional coverages that can add up on your insurance policy. Insurance for personal injury protection, towing coverage, and extra life insurance coverage are examples of these. They may seem good when deciding what coverages you need, but if you don’t need them consider taking them off your policy.
  • Choose high crash test ratings and save – Vehicles that have high safety ratings can get you lower premiums. Vehicles engineered for safety reduce injuries and fewer injuries translates into savings for insurance companies which can mean better rates for you. If your Jeep Wrangler JK has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Married people drive safer – Walking down the aisle actually saves money on your policy. It usually means you are more responsible and it’s proven that being married results in fewer claims.
  • Insurance costs and driver gender – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Females and males tend to get into at-fault accidents in similar numbers, but the males tend to have higher claims. Men also receive more major tickets like driving under the influence (DUI). Male teenagers tend to get in the most accidents and therefore have the most expensive insurance rates.

Get affordable auto insurance with discounts

Some insurers do not list their entire list of discounts very well, so here is a list a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

  • Senior Discount – Seniors can get better auto insurance rates on Wrangler JK coverage.
  • Drive Less and Save – Maintaining low annual mileage could earn better premium rates on cars that stay parked.
  • Homeowners Savings – Owning a house may earn you a small savings since home ownership demonstrates responsibility.
  • Organization Discounts – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount on your next auto insurance statement.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems have fewer accidents so you can save 10 percent or more.
  • Good Student Discount – Maintaining excellent grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.

As a sidenote, most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.

A list of companies and some of their more popular discounts can be found below.

  • State Farm has discounts for student away at school, multiple policy, multiple autos, defensive driving training, and good driver.
  • Farmers Insurance may offer discounts for switch companies, early shopping, good student, pay in full, and bundle discounts.
  • Progressive has savings for multi-policy, multi-vehicle, continuous coverage, good student, online quote discount, and online signing.
  • Geico may have discounts that include membership and employees, driver training, multi-vehicle, military active duty, daytime running lights, good student, and anti-theft.
  • Auto-Owners Insurance offers discounts including multiple vehicles, multi-policy, anti-theft, air bags, and safe driver.
  • The Hartford discounts include driver training, defensive driver, vehicle fuel type, bundle, air bag, and good student.
  • Farm Bureau includes discounts for youthful driver, multi-policy, multi-vehicle, driver training, safe driver, good student, and 55 and retired.
  • USAA offers discounts for good student, multi-policy, defensive driver, loyalty savings, and new vehicle.

When quoting, ask each insurance company to apply every possible discount. A few discounts might not apply in your area. If you would like to view auto insurance companies who offer discounts, follow this link.

Don’t believe everything you hear

Consumers can’t avoid all the ads that promise big savings from the likes of Geico, State Farm and Progressive. All the ads advertise claims that you’ll save big if you switch your insurance policy to them.

How do they all sell you cheaper insurance coverage? It’s all in the wording.

Different companies give the cheapest rates for the type of customer that earns them the highest profit. For instance, a desirable risk might be a female over age 40, carries full coverage, and has great credit. Someone that meets those criteria may get the lowest car insurance rates and will most likely cut their rates substantially.

Potential customers who don’t measure up to the ideal profile may be forced to pay higher premiums and this can result in business not being written. The trick is to say “drivers that switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can advertise the way they do. That is why it is so important to get car insurance quotes from several different companies. It is impossible to predict with any certainty which company will have the lowest rate quotes.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Is upholstery damage covered by car insurance?
  • Why do I need rental car insurance?
  • When should I buy a commercial auto policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my state a no-fault state?
  • Do I need medical payments coverage since I have good health insurance?
  • If I drive on a suspended license am I covered?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Insurance coverage options for a Jeep Wrangler JK

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Auto liability

Liability insurance protects you from damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like court costs, repair costs for stationary objects and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM Coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Jeep Wrangler JK.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses such as EMT expenses, X-ray expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision insurance

Collision insurance pays for damage to your Wrangler JK from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, crashing into a building, hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, a broken windshield, hitting a bird, damage from a tornado or hurricane and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Knowledge is power

We just presented a lot of information how to reduce 2018 Jeep Wrangler JK insurance car insurance rates online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates are with the smaller companies. These companies can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive or Geico.

Affordable 2018 Jeep Wrangler JK insurance can be sourced on the web as well as from independent agents, so get free car insurance quotes from both of them to get a complete price analysis. Some insurance companies may not offer internet price quotes and many times these small insurance companies work with independent agents.

When shopping online for insurance coverage, you should never reduce coverage to reduce premium. There have been many cases where an insured cut physical damage coverage and learned later that the few dollars in savings costed them thousands. Your goal is to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

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