Lower Your 2014 Jeep Wrangler Insurance Cost

Searching for cheaper insurance for a new or used Jeep Wrangler can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Jeep and locate the lowest price either online or from local insurance agents.

Consumers should take time to do rate comparisons before your next renewal since insurance prices change quite often. Despite the fact that you may have had the best rates on Wrangler insurance a couple years back a different company probably has better rate quotes today. Ignore everything you know about car insurance because I’m going to teach you how to use the internet to properly buy coverages and cut your premium.

How to compare auto insurance quotes

Effectively comparing auto insurance prices is a ton of work if you don’t utilize the most efficient way. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting for quick rates.

Many insurance companies belong to a marketplace that enables customers to complete one form, and every company provides a quote based on that information. This system prevents you from having to do repetitive form submissions for each company.

To find out how much you can save on auto insurance click here to open in new window.

One minor caviat to getting quotes like this is you can’t choose the insurers you will receive quotes from. If you prefer to choose from a list of companies to compare prices, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using the exact same quote information for every quote you compare. If the quotes have unequal deductibles or liability limits it will be impossible to make an equal comparison.

Pay discount rates these premium-slashing discounts

Auto insurance companies don’t always list every discount they offer in a way that’s easy to find, so the following is a list of a few of the more well known and also the more inconspicuous discounts that may be available.

  • Discount for Swiching Early – A few insurance companies allow discounts for buying a new policy prior to your current policy expiration. It’s a savings of about 10%.
  • Fewer Miles Equal More Savings – Driving less may enable drivers to earn cheaper premium rates.
  • Life Insurance Discount – Select auto insurance companies reward you with a discounted rate on car insurance if you buy auto and life insurance together.
  • First Accident Forgiveness – This isn’t a discount exactly, but a few companies such as State Farm and Progressive will allow you to have one accident before your rates go up if your claims history is clear before the accident.
  • ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. Most cut individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts should help reduce your policy premiums.

If you would like to see a list of auto insurance companies that offer the discounts shown above, click here to view.

Smart buyers can lower their insurance rates

It’s important that you understand the factors that go into determining your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that can earn you cheaper rates. Multiple criteria are used in the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but some are not quite as obvious such as your marital status and annual miles driven.

The following are some of the factors used by your company to calculate your rates.

  • Do thieves like your car? – Owning a car that has a built-in theft deterrent system can help bring down rates. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
  • Teen drivers pay more – Teen drivers have a tendency to get distracted easily when driving so insurance coverage rates are higher. Adding a youthful driver onto a policy can really hurt. Mature drivers tend to be more responsible, are lower risk to insure , and usually have better credit.
  • Small claims can cost you – Insurance companies award most affordable rates to policyholders who are not frequent claim filers. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is intended for larger claims.
  • Your employer may affect rates – Jobs like doctors, business owners and medical professionals are shown to have higher rates than the rest of us because of intense work-related stress and long work hours. Other jobs like actors, students and retirees pay lower than average rates on Wrangler insurance.
  • Liability protection safeguards assets – Your policy’s liability coverage is the coverage that protects you in the event that a jury decides you are liable for an accident. It provides legal defense coverage to defend your case. Liability is cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Do I need special coverages?

When it comes to buying the best car insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique.

For instance, these questions can help discover whether or not you might need professional guidance.

  • Am I covered when driving in Canada or Mexico?
  • Why does it cost so much to insure a teen driver?
  • Does my insurance cover my expensive audio equipment?
  • When does my teenage driver need to be added to my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Is rental equipment covered for theft or damage?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Does car insurance advertising bend the truth?

Consumers can’t get away from ads for car insurance savings by State Farm, Geico and Progressive. They all seem to make an identical promise that you’ll save big if you switch your policy.

It sounds good, but how can they all cost less than your current company?

All the different companies require specific criteria for a prospective insured that will add to their bottom line. A good example of a desirable insured may be between the ages of 40 and 55, insures multiple vehicles, and drives newer vehicles. A driver who fits those characteristics will most likely get cheap premium rates and most likely will save when switching.

Potential insureds who don’t measure up to the “perfect” profile will be charged higher prices which leads to the customer buying from someone else. The trick companies use is to say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can make those statements. This emphasizes why you absolutely need to compare free insurance quotes often. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest prices.

Insurance coverage considerations

Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Jeep Wrangler.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision protection

This coverage covers damage to your Wrangler caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, backing into a parked car, driving through your garage door, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses like EMT expenses, ambulance fees and nursing services. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, fire damage and vandalism. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Final considerations

Drivers change insurance companies for any number of reasons including delays in paying claims, policy cancellation, unfair underwriting practices and even not issuing a premium refund. Regardless of your reason, choosing a new company is actually quite simple.

Budget-conscious 2014 Jeep Wrangler insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance providers do not provide rates over the internet and usually these small, regional companies provide coverage only through independent agents.

We covered a lot of tips how to shop for 2014 Jeep Wrangler insurance online. The most important thing to understand is the more you quote insurance, the better chance you’ll have of finding cheap insurance. Consumers may even find the lowest priced car insurance comes from the least-expected company.

Much more information about car insurance is available at these links:

Comments About 2014 Jeep Wrangler Insurance

  1. Sixta Mercer

    Allstate is pretty cheap in Tennessee! :)

  2. Rickie Mercado

    Not sure what I should be paying. From northwest of Las Vegas, NV. Got free quotes online for a 2014 Jeep Wrangler. Ended up at about $480 savings annually. Went with GEICO. Was with MetLife. Have an at-fault accident tho. You can get a rate quote online.

  3. Linette Young

    It all costs too much. Lifelong resident of Cranston, Rhode Island. Went online for free insurance quotes for a 2014 Jeep Wrangler. Ended up at about $210 savings annually. Went with State Farm. Was with Travelers. I have kids on my policy, too. I recommend comparing lots of rates.

  4. Charlott Greer

    Got a quote with Hartford for my 2014 Jeep Wrangler and am saving around $380 a year.

  5. Mariana Berger

    I live on the east side of Springfield, MA. Don’t remember every company but I ended up saving about $60 each month.

  6. Eufemia Clemons

    Corporate greed I’m telling you. Live in Chicago, Illinois. Quoted quotes from Allstate, Auto-Owners, and some I forget for my 2014 Jeep Wrangler and saved $354 a year. Was with Travelers. A clean driving record helps. Still almost need a second mortgage.

  7. Viva Mccray

    Does Progressive prorate premiums at cancellation?

  8. Freida Parker

    I’m in the north part of Rutland, Vermont. Received rates from 21st Century, Auto-Owners, Erie, and Hanover for my Wrangler and saved around $100 a year. Was with GMAC. I get multi-vehicle and multi-policy discounts. They were helpful in switching over.

  9. Raeann Bates

    Live in the western part of Providence, RI. Not sure of all the companies but I ended up saving about $20 each month. Left 21st Century to switch.

  10. Robena Benjamin

    Anyone try to read their policy?

  11. Gertrudis Finch

    When should I drop comp and collision?

  12. Bo Valentine

    When should I drop comp and collision?

  13. Gianna Cherry

    I’ve had Allstate for years. I’m in Henderson, Nevada.

  14. Terrell Flynn

    All companies are crooks. I live in a small town just outside of Fargo, ND. Compared rates from a lot of places. Saved darn near $50 a month. State Farm was the cheapest for me.

  15. Chad Walton

    Progressive was cheapest for my 2014 Jeep Wrangler in Boston, Massachusetts.

  16. Jami Nunez

    Got a quote with AIG Insurance for my Jeep and am saving around $180 a year. God forbid I actually have a claim.

  17. Thomasine Osborne

    Anyone find cheap rates around Boise, Idaho?

  18. Marta Sullivan

    2014 Jeep Wrangler + 21st Century = CHEAP! At least inTexas anyway.

  19. Norbert Castro

    From northwest of Las Cruces, NM. I got free quotes with American Family, Nationwide, and some smaller one I can’t remember the name of for my Jeep and saved around $110 a year. I think they have home insurance too.

  20. Shaunna Dunlap

    Cheaper not always better. Went with AAA for my Wrangler and saved about $550 a year. I used their online quote form to compare rates.

  21. Fleta Arnold

    Will Progressive raise rates for a small claim?

  22. Delpha Chandler

    Nice info. From south side of Columbus, OH. I don’t recall every quote but I ended up saving about $60 each month. Might find lower rates online.