2010 Jeep Wrangler Car Insurance Quotes – 5 Tips for Best Rates

Want cheaper insurance rates for your Jeep Wrangler? Online price comparisons for cheap insurance can seem difficult if you’re new to online price quotes. But don’t be discouraged because finding cheaper quotes is easier than you think.

This article will tell you how to get online quotes. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Nevertheless, consumers can benefit by having an understanding of the way insurance companies sell online.

Don’t overlook these five car insurance discounts

Some insurers don’t always publicize every discount they offer very clearly, so the following is a list of both the well known and also the more inconspicuous credits that you can use to lower your rates.

• Driver Safety – Taking time to complete a course in safe driver can save you 5% or more and make you a better driver.
• College Student Discount – Older children living away from home attending college and do not have a car could qualify for this discount.
• Claim-Free Discount – Insureds with no claims or accidents get the best car insurance rates compared to drivers with a long claim history.
• Passive Restraint Discount – Cars that have air bags may earn rate discounts as much as 30%.
• Life Insurance Discount – Select insurance companies reward you with a lower rate if you buy some life insurance too.

Policy discounts save money, but most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. Just because you may think adding up those discounts means a free policy, you aren’t that lucky.

If you would like to see a list of car insurance companies with significant discounts, follow this link.

When to get professional advice

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if you might need an agent’s assistance.

• Is rental equipment covered for theft or damage?
• Will my rates increase for filing one claim?
• Are split liability limits better than a combined single limit?
• Are my tools covered if they get stolen from my vehicle?
• Is motorclub coverage worth it?
• Can I afford to pay high deductible claims out of pocket?
• Should I put collision coverage on all my vehicles?
• How much liability insurance is required?
• Do I have coverage when making deliveries for my home business?
• Is my cargo covered for damage or theft?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Will you really save $492 on car insurance?

Companies like Allstate and Progressive continually stream television, radio, and online ads. All the ads try to convey promises about savings after switching to their company. How is it possible that every company can offer drivers better rates? This is how they do it.

All companies have specific criteria for a prospective insured they prefer to insure. One example of a preferred risk should be over the age of 35, has a clear driving record, and chooses high deductibles. A propective insured who meets those qualifications is entitled to the best price and most likely will save when switching.

Insureds who are not a match for this ideal profile may be forced to pay higher premium rates which translates to business not being written. If you listen closely, the ads state “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can truthfully make claims like that.

This really drives home the point why you need to do a quote comparison often. It is impossible to guess which car insurance company will have the best rates at this point in time.

Learn about insurance coverages for a Jeep Wrangler

Having a good grasp of insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers 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 coverage pays for things like rock chips in glass, damage from getting keyed, falling objects, fire damage and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your Wrangler resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Jeep Wrangler.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Liability coverages

This provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, structural damage and medical services. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as ambulance fees, pain medications, doctor visits, X-ray expenses and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

We just showed you a lot of tips how to shop for 2010 Jeep Wrangler insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with the least-expected company.

Consumers who switch companies do it for a number of reasons such as denial of a claim, poor customer service, unfair underwriting practices and high prices. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

When searching for inexpensive insurance quotes, you should never sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed liability coverage limits only to regret they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

Additional information is located below:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Your Car has been Stolen: Now What? (Allstate)
• Drunk Driving Statistics (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)