2011 Jeep Wrangler Insurance Cost – 5 Savings Tips

Searching for lower insurance coverage rates for your Jeep Wrangler? Did a good deal turn into high-priced insurance coverage? Trust us when we tell you you’re not alone.

Many insurance companies compete to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the best price available.

If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. But vehicle owners can benefit from knowing the way insurance companies sell online and apply this information to your search.

Insurance rates and discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Most are applied at the time of quoting, but once in a while a discount must be specifically requested prior to getting the savings.

• Government Employees – Active or retired federal employment could provide a small rate reduction for Wrangler insurance depending on your insurance provider.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving could save 15% off the PIP or medical payment premium.
• Service Members Pay Less – Being on active deployment in the military could qualify you for better premium rates.
• Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you may save approximately 10% to 15%.
• Paperless Signup – Certain insurance companies give back up to $50 for buying your policy digitally online.

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

To view insurance companies offering insurance discounts, follow this link.

Situations that may require an agent’s advice

When buying the best insurance coverage coverage, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

• What are the financial responsibility laws in my state?
• How high should deductibles be on a 2011 Jeep Wrangler?
• Where can I find high-risk insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my Jeep Wrangler covered if I use it for business?
• Am I covered when driving in Canada or Mexico?
• Is motorclub coverage worth it?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Specifics of your insurance policy

Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types available from insurance companies.

Collision protection

This pays for damage to your Wrangler 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 such as hitting a parking meter, backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. Coverage consists of three different limits, 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 stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, surgery, nursing services and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, fire damage and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Jeep Wrangler.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Be a money saver!

Lower-priced 2011 Jeep Wrangler insurance is attainable on the web in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and usually these smaller companies sell through independent insurance agencies.

When searching for low cost auto insurance quotes, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to discover later that they should have had better coverage. The ultimate goal is to get the best coverage possible at the best price, but don’t skip important coverages to save money.

Additional articles

• Alcohol Impaired Driving FAQ (iihs.org)
• Who Has Cheap Car Insurance Quotes for a Jeep Wrangler in San Francisco? (SFAutoGuard.com)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Your Car has been Stolen: Now What? (Allstate)
• Help Your Teen Be a Better Driver (State Farm)
• Shopping for a Safe Car (Insurance Information Insitute)