Are you regretting the purchase of an expensive auto insurance policy? Believe me, many consumers are in the same pinch. Big-name insurance companies like Progressive, State Farm and Geico constantly bombard you with fancy advertisements and it can be hard to ignore the propoganda and effectively compare rates to find the best deal.
Some providers do not advertise the complete list of policy discounts very well, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance coverage online. If you are not receiving all the discounts possible, you could be getting lower rates.
Discounts lower rates, but many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.
Car insurance companies that may offer some of the discounts shown above include:
Before you buy a policy, ask each company which discounts you may be entitled to. All car insurance discounts might not be available to policyholders in your area. To see insurers that offer discounts, click this link.
When buying the right insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Consumers get pounded daily by advertisements for cheaper insurance coverage by companies like Allstate, Geico and Progressive. They all seem to advertise claims about how much you will save if you just switch your policy.
How can each company say the same thing? This is the way they can do it.
Many companies give the cheapest rates for the type of customer they prefer to insure. An example of this type of driver may need to be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A customer that meets those criteria is entitled to the best price as well as save a lot of money.
Potential insureds who cannot meet the ideal profile will see more expensive rates which results in the customer not purchasing. The wording the ads use say “customers that switch” not “everyone that quotes” will save that much if they switch. That’s why companies can truthfully advertise the way they do. Because of this risk profiling, it’s extremely important to get insurance coverage quotes as often as possible. Because you never know which insurance coverage company will have the best car insurance rates at this point in time.
Learning about specific coverages of a car insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.
This protects you from damage or injury you incur to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see 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.
Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses, medical services and pain and suffering. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for pain medications, hospital visits, prosthetic devices and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as damage from flooding, damage from a tornado or hurricane, falling objects and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision insurance pays for damage to your Wrangler from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like damaging your car on a curb, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
We just showed you some good ideas how to lower your 2015 Jeep Wrangler insurance car insurance rates. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding cheaper insurance coverage. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper compared to the large companies like Progressive and Geico.
When buying insurance coverage, never buy less coverage just to save a little money. In many cases, an accident victim reduced full coverage and learned later that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage for the lowest price.
Buford Pratt
Does 21st Century prorate premiums at cancellation?
Patsy Merrill
Proud to be from Springfield, Massachusetts. Quoted prices from GEICO, Eastwood, and The General for my Jeep and am saving around $130 a year. I get a discount for insuring multiple vehicles.
Travis Moody
2015 Jeep Wrangler + Allstate = CHEAP! At least inIllinois anyway.
Maurice Weeks
Where is cheaper car insurance? I live on the north side of Atlanta, GA. Got quotes from State Farm, Hanover, and Erie for my 2015 Jeep Wrangler and I’m now saving $36 a month.
Ken Snider
Checking in from Grand Forks, North Dakota. Got car insurance quotes from AAA, Esurance, and Sentry for my Jeep and I think I am saving around $50 each month. Thankfully I’m not a high risk driver. They have free quotes online.
Moises Donaldson
From south side of Des Moines, IA. Quoted a bunch of companies. Saved darn near $30 a month. Progressive was the cheapest option for me. My new agent seems to be really good. I just quoted rates online.
Delicia Wynn
Compared rates with 21st Century and American Family but still pricey.
Tamie Kline
Like your site, BTW. I’m in Norman, OK. Quoted quotes from Western Auto Insurance, Auto-Owners, GMAC, and MetLife for my Wrangler and cut my rates about $420 a year. Highly recommended.
Doyle Riddle
I live in Warren, MI. Checked online prices for a 2015 Jeep Wrangler. Ended up at about $160 savings annually. Went with State Farm. Insured with Farmers before. It’s still not cheap enough.
Lino Delacruz
What exactly does liability cover?
Guillermina Woodard
I’m in the east part of Miami, FL. Received quotes from State Farm, Amica, and some I forget for my Wrangler and saved just over $160 a year.
Hazel Shepherd
Cheap is relative. From northwest of Raleigh, NC. I don’t recall every quote but I ended up saving about $70 each month. Left Liberty Mutual to switch. I have a couple other vehicles on the policy. It was easy to get rates.