2013 Jeep Wrangler Insurance Quotes – 7 Discounts for Cheaper Rates

Are you tired of being strong-armed to insure your Jeep every month? You are no different than many other drivers. There are many insurers to purchase coverage from, and although it’s nice to have a selection, it makes it harder to compare rates and cut insurance costs.

Low cost insurance prices

There are multiple methods to compare insurance prices but there is one way that is more efficient than others. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

The majority of car insurance companies belong to an insurance system where prospective buyers complete one form, and each participating company returns a rated price determined by their information. This prevents consumers from doing repetitive form submissions for each company. To fill out one form to compare multiple rates now click here (opens in new window).

The only drawback to getting quotes like this is that consumers can’t choose the providers to get pricing from. So if you prefer to pick from a list of companies to request quotes from, we have a listing of insurance companies in your area. View list of insurance companies.

Compare rates however you want, just make sure you use equivalent coverage limits for every quote you compare. If your comparisons have different deductibles you can’t possibly determine the lowest rate for your Jeep Wrangler.

Insurance Discounts

Car insurance can cost a lot, but you may be missing some discounts that can drop the cost substantially. Some trigger automatically when you quote, but occassionally some discounts must be specifically requested prior to receiving the credit.

• College Student – Youth drivers who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
• Bundled Policy Discount – If you have multiple policies and insure them with the same company you could save approximately 10% to 15%.
• Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
• Multi-line Discount – If the company offers life insurance, you could get lower prices if you buy a life policy as well.
• Government Employee Discount – Active or former government employment could qualify for a slight premium decrease for Wrangler coverage with select insurance companies.
• Multiple Cars – Buying a policy with multiple cars or trucks on a single policy may reduce the rate for each vehicle.
• Discounts for Cautious Drivers – Drivers without accidents can save up to 40% or more on their insurance coverage quote for Wrangler coverage than less cautious drivers.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, insurance companies aren’t that generous.

A list of companies and a selection of discounts are included below.

• Farmers Insurance offers premium reductions for mature driver, youthful driver, early shopping, electronic funds transfer, switch companies, and pay in full.
• State Farm may offer discounts for student away at school, defensive driving training, passive restraint, accident-free, anti-theft, Drive Safe & Save, and multiple policy.
• Liberty Mutual discounts include hybrid vehicle, newly retired, multi-car, newly married, exclusive group savings, and preferred payment discount.
• MetLife has discounts for good driver, accident-free, defensive driver, claim-free, multi-policy, and good student.
• Progressive policyholders can earn discounts including continuous coverage, good student, multi-policy, homeowner, online quote discount, and online signing.

If you need lower rates, check with every company what discounts are available to you. All car insurance discounts might not be available to policyholders in every state. To find companies with discount insurance rates, follow this link.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine whether you will benefit from professional help.

• How can I find cheaper teen driver insurance?
• Is my camper covered by my car insurance policy?
• Can I afford low physical damage deductibles?
• What is UM/UIM insurance?
• Does coverage extend to a rental car in a foreign country?
• Does coverage extend to Mexico or Canada?
• Does my car insurance cover rental cars?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Can you really save that much by switching?

Consumers can’t avoid all the ads that promise big savings by Allstate, Geico and Progressive. They all make the point that you’ll save big just by switching your policy.

How can each company charge you a lower premium? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver they prefer to insure. For instance, a desirable insured might be described as between the ages of 30 and 50, is a homeowner, and drives a car with an anti-theft system. Anybody who matches that profile will probably get the lowest auto insurance rates and as a result will probably cut their rates substantially.

Consumers who do not meet those criteria may receive higher rates and the customer not purchasing. The trick companies use is to say “customers that switch” but not “all drivers who get quotes” save money. That is how companies can state the savings.

Because of the profiling, you should do a price quote comparison at every renewal. Because without a comparison, you cannot know which company will fit your personal profile best.

Specific coverages for a Jeep Wrangler

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Collision coverages – Collision insurance will pay to fix damage to your Wrangler caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, rolling your car, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance pays for 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 things such as vandalism, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, hospital visits, EMT expenses, rehabilitation expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Jeep Wrangler.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability – This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, bail bonds, repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

More comparisons equals lower rates

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

We covered a lot of information how to shop for 2013 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. You may be surprised to find that the best car insurance rates are with the smaller companies. They may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm or Progressive.

There are still a few companies who may not have internet price quotes and these smaller providers provide coverage only through local independent agents. Affordable 2013 Jeep Wrangler insurance is definitely available online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money.

Additional insurance information is available at the links below

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)