2015 Jeep Renegade Insurance Rates – 10 Discounts for Cheaper Quotes

If you are new to getting car insurance quotes online, you can easily be overwhelmed by the vast number of local and online companies selling insurance.

It is always a good idea to compare rates quite often since insurance prices are adjusted regularly by insurance companies. Just because you found the best deal on Renegade coverage last year there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you’re about to learn the proper way to find lower rates on car insurance.

If you currently have car insurance, you should be able to reduce your rates substantially using this strategy. Finding affordable coverage is easy if you know what you’re doing. Although drivers must know how the larger insurance companies market insurance on the web and apply this information to your search.

How to lower your car insurance cost

Effectively comparing car insurance prices is a ton of work if you don’t utilize the best way to get rate quotes. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each participating company then returns a price quote. This saves time by eliminating quote forms for every car insurance company.

To compare rates now click here to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose which insurance companies you will receive quotes from. So if you prefer to pick from a list of companies to compare, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to keep nearly identical coverage information on every quote. If the quotes have different coverage information then you won’t be able to find the best deal for your Jeep Renegade. Just a small difference in insurance coverages or limits could mean much higher rates. And when comparing car insurance rates, know that comparing more company’s prices provides better odds of finding the best offered rates. Some insurance companies are not set up to provide rate quotes online, so you also need to get prices on coverage from those companies, too.

Drivers save money with with these ten discounts

Some companies don’t always publicize all available discounts in an easy-to-find place, so the below list has a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• New Car Discount – Buying a new car instead of a used car can cost up to 25% less because newer models have to meet stringent safety requirements.
• Clubs and Organizations – Affiliation with a qualifying organization could qualify you for a break on your next renewal.
• Passive Restraints – Options like air bags or automatic seat belts may qualify for discounts of 25 to 30%.
• Driving Data Discount – Insureds that choose to allow their insurance company to monitor driving manner remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they show good driving skills.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
• More Vehicles More Savings – Drivers who insure several vehicles with the same insurance coverage company can get a discount on all vehicles.
• Driver Training Discounts – Successfully completing a safe driver class can save you 5% or more and also improve your driving technique.
• Employee of Federal Government – Active or former government employment could provide a small rate reduction on Renegade coverage depending on your insurance coverage provider.
• Driver’s Ed – Require your teen driver to enroll and complete driver’s education as it can save substantially.
• Accident Free – Insureds with no claims or accidents pay less as opposed to bad drivers.

It’s important to understand that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Auto insurance companies who may offer these discounts possibly include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

Before you buy a policy, ask all the companies what discounts are available to you. Some discounts may not apply to policyholders in your state. If you would like to choose from a list of providers who offer free insurance coverage quotes, follow this link.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions can aid in determining if your situation would benefit from professional advice.

• Does car insurance cover theft of personal property?
• Can my teen drive my company car?
• Am I covered if I hit my neighbor’s mailbox?
• What is the rate difference between pleasure use and commuting?
• What is the ISO rating for a 2015 Jeep Renegade?
• What is the difference between comprehensive and collision coverage?
• Why am I required to buy liability insurance?
• Does my personal policy cover me when driving out-of-state?
• Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage basics

Having a good grasp of car insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses for doctor visits, chiropractic care, X-ray expenses, pain medications and funeral costs. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This pays for damage to your Renegade resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Jeep Renegade.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, hail damage, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability – Liability insurance can cover damage that occurs to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, emergency aid, court costs and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

More comparisons equals lower rates

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Throughout this article, we presented many ideas to lower your 2015 Jeep Renegade insurance car insurance rates. The key thing to remember is the more times you quote, the better your comparison will be. Consumers may even find the best price on insurance coverage is with a smaller regional carrier.

Cost effective 2015 Jeep Renegade insurance is attainable online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not have internet price quotes and many times these small insurance companies work with independent insurance agencies.

More detailed insurance coverage information can be read in the articles below:

• Teen Driving Statistics (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Event Data Recorders FAQ (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)