2007 Jeep Wrangler Insurance Quotes

Searching for the cheapest insurance coverage rates for your Jeep Wrangler? Comparing and finding low cost rates for Driversinsurance coverage is difficult for drivers who are beginners to comparison shopping online. When there are so many online companies available, it can turn into a real difficult job to locate the lowest price.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Shopping for the best protection can be fairly easy. But consumers benefit from understanding how big insurance companies determine prices and apply this information to your search.

The easiest way to get rate comparisons is to understand most insurance companies provide online access to quote your coverage. All consumers are required to do is provide information such as coverage limits, if you’re married, your job, and if you are currently licensed. Your information is sent automatically to insurance carriers in your area and you get price estimates very quickly.

Slick advertising tricks that work

Insurance providers like State Farm, Allstate and Geico consistently run ads in print and on television. They all tend to make the same promise about how much you will save if you just switch your policy. How does every company lower your car insurance rates? This is the trick they use.

Different companies quote their best rates for the type of customer that will be a good risk. An example of a preferred risk may be married and over the age of 30, owns a home, and drives less than 5,000 miles a year. Any driver who fits those characteristics will probably get the lowest premium rates and as a result will probably save quite a bit of money when switching.

Potential insureds who are not a match for this stringent profile will have to pay a higher premium and the customer not purchasing. The trick is to say “people that switch” not “everybody who quotes” will save that much if they switch. That’s why insurance companies can confidently claim big savings.

Because of these techniques, you absolutely need to compare quotes as often as possible. It is impossible to predict which insurance companies will have the best prices for your profile.

Insurance Discounts

Car insurance is not cheap, but you might already qualify for some discounts that you may not even know about. Most are applied when you get a quote, but some may not be applied and must be requested specifically in order for you to get them.

  • Accident Forgiveness Coverage – Not necessarily a discount, but companies like Progressive, Allstate, and Geico will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Multi-policy Discount – If you can bundle your home and auto insurance with one insurance company you could save nearly 15% which can help you find the cheapest insurance coverage.
  • Defensive Driver Discount – Passing a driver safety course could possibly earn you a 5% discount if you qualify.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Discounts for Good Drivers – Drivers without accidents may receive a discount up to 45% for Wrangler insurance than less cautious drivers.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • No Accidents – Drivers who don’t have accidents pay less as compared to policyholders that have many claims.

As a sidenote, some of the credits will not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will cut the cost of coverage.

Some companies that may offer some of the above discounts possibly include:

If you are trying to find cheap insurance coverage quotes, ask every prospective company how you can save money. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to choose from a list of insurance companies that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When it comes to buying coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Am I better off with higher deductibles on my 2007 Jeep Wrangler?
  • Does medical payments coverage apply to all occupants?
  • How can I force my company to pay a claim?
  • I don’t drive much so do I pay less?
  • Am I covered when pulling a rental trailer?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2007 Jeep Wrangler.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like rehabilitation expenses, pain medications, ambulance fees, prosthetic devices and hospital visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, theft, damage from flooding and vandalism. The highest amount a 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 consider removing comprehensive coverage.

Collision protection

Collision insurance covers damage to your Wrangler from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, crashing into a ditch, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability car insurance

This coverage can cover damage that occurs to other’s property or people. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, court costs, structural damage and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Pennies from heaven

We covered some good ideas how to save on 2007 Jeep Wrangler insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the best rates are with an unexpected company.

Discount 2007 Jeep Wrangler insurance is attainable online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not have online rate quotes and usually these small, regional companies work with independent agencies.

Insureds change insurance companies for any number of reasons including high prices, high rates after DUI convictions, policy cancellation or an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

More detailed insurance coverage information can be found in these articles:

Comments About 2007 Jeep Wrangler Insurance

  1. Donya Peters

    Not sure what I should be paying. I live on the east side of Warwick, Rhode Island. Got quotes with The General, Auto-Owners, Sentry, and a couple others for my 2007 Jeep Wrangler and saved $148 a year. Left Liberty Mutual to switch. I have a teen driver too.

  2. Ralph Salas

    Lots of useful info here. I’m just east of Raleigh, NC. Checked online prices for a 2007 Jeep Wrangler. Ended up at about $410 savings annually. Went with Allstate. Insured with Esurance before. Thankfully I have a good driving record.

  3. Miriam Mclaughlin

    If you have a clean record and are close to Fargo, North Dakota, check out GEICO. They seem to be cheaper. Good savings if you bundle.

  4. Gayle House

    Live in the western part of Newark, DE. Quoted with Sentry, Farmers, State Farm, and American Family for my 2007 Jeep Wrangler and saved $320 a year. Have a couple speeding tickets too.

  5. Fermin Deleon

    I live just to the north of Chicago, IL. Not sure of all the companies but I ended up saving about $40 each month. Left 21st Century to switch.

  6. Marquetta Melton

    I’m in Greensboro, North Carolina and for me GEICO had the lowest quote. I just quoted rates online.

  7. Rosaura Vaughan

    I’m from Bellevue, NE. Quoted with AIG Insurance, MetLife, and Travelers for my Jeep and saved $187 a year. Have an at-fault accident tho.

  8. Mirian Nichols

    Lifelong resident of Madison, Wisconsin. Received rates from MetLife, Erie, 21st Century, and Auto-Owners for my 2007 Jeep Wrangler and saved around $400 a year.

  9. Matilda Aguirre

    I’m just west of Fayetteville, AR, and Progressive rates were best. Moved home policy as well.