2016 Jeep Wrangler Car Insurance Rates – 9 Savings Tips

If you are a novice to online car insurance shopping, you can easily be confused due to the large number of insurers who claim to have the best car insurance rates.

It’s a good idea to do rate comparisons once or twice a year since rates fluctuate regularly. Despite the fact that you may have had the best premium rates on Wrangler coverage last year a different company probably has better prices today. Forget all the misinformation about car insurance because you’re about to find out the only way to find better coverage at a better price.

Choosing the best insurance company for you is not rocket science. In a nutshell, everyone who is required by state law to have insurance should be able to find better rates. Although drivers do need to understand the way insurance companies price online insurance.

Compare auto insurance rates

Most companies allow consumers to get price estimates from their websites. Comparing prices online is quite simple as you just enter your coverage preferences on the page. Upon sending the form, their system requests credit information and your driving record and returns a price.

Online quotes makes it simple to compare prices but having to visit different websites and complete many quote forms can be a bit repetitive. But it’s necessary to perform this step if you want to find lower prices.

The easy way to compare rates

A more efficient way to locate the lowest prices uses one simple form that analyzes rates from several companies at one time. It saves time, eliminates repetitive work, and makes quoting online much simpler. After sending the form, it gets priced and you are able to buy any or none of the quote results. If you find a better price you can simply submit the application and purchase coverage. This process only takes a few minutes and may save quite a bit of money.

If you want to fill out one form to compare multiple rates now, click here and input your coverage information. If you have a policy now, it’s recommended you enter the insurance coverages as shown on your current policy. This helps ensure you are getting a fair comparison based on the exact same insurance coverage.

Are you getting every discount?

Some insurers don’t necessarily list all their discounts very clearly, so the next list breaks down a few of the more common in addition to some of the lesser obvious credits available to you.

  • Life Insurance Discount – Not all insurance coverage companies offer life insurance, but some may give you a lower insurance coverage rate if you buy auto and life insurance together.
  • Student Discount for Driver Training – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Own a Home – Just being a homeowner may earn you a small savings since owning and maintaining a home shows financial diligence.
  • Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Discount for Swiching Early – A few insurance coverage companies allow discounts for switching companies prior to your current policy expiration. This discount can save up to 10%.
  • Club Memberships – Participating in qualifying employment or professional organizations is a simple method to lower premiums on your bill.
  • Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction on Wrangler coverage depending on your company.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, companies wouldn’t make money that way.

Companies and the discounts they provide are:

  • State Farm has savings for student away at school, safe vehicle, passive restraint, Drive Safe & Save, defensive driving training, good student, and accident-free.
  • Geico includes discounts for five-year accident-free, multi-policy, emergency military deployment, multi-vehicle, driver training, and defensive driver.
  • Liberty Mutual offers premium reductions for multi-policy, new graduate, exclusive group savings, hybrid vehicle, good student, new vehicle discount, and multi-car.
  • The Hartford may have discounts that include driver training, anti-theft, defensive driver, vehicle fuel type, air bag, bundle, and good student.
  • MetLife may include discounts for accident-free, defensive driver, good student, good driver, multi-policy, claim-free
  • Progressive offers discounts including continuous coverage, online signing, multi-policy, homeowner, and good student.

Before buying, ask every prospective company the best way to save money. Discounts might not apply in your area.

When in doubt talk to an agent

When it comes to buying coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions can help discover if your situation might need professional guidance.

  • Can I afford to pay high deductible claims out of pocket?
  • Is pleasure use cheaper than using my 2016 Jeep Wrangler to commute?
  • Should I carry comprehensive and collision coverage?
  • If my 2016 Jeep Wrangler is totaled, can I afford another vehicle?
  • What is the ISO rating for a 2016 Jeep Wrangler?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Tricks in car insurance advertising

Car insurance providers like State Farm and Allstate constantly bombard you with television, radio, and online ads. All the ads state the claim that drivers can save some big amount if you get a free insurance quote and switch your policy. How does each company charge you less for auto insurance? Here is the trick they use.

Companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a desirable risk should be between the ages of 30 and 50, owns their home, and has great credit. Anyone who meets those qualifications will get a cheap rate quote and have a good chance to save money with a new company.

Drivers who do not meet these criteria will be quoted higher rates which usually ends up with the customer not purchasing. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can truthfully state the savings. That is why you should do a quote comparison often. It’s impossible to know which insurance companies will provide you with the cheapest premium rates.

Insurance coverage options for a 2016 Jeep Wrangler

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, a tree branch falling on your vehicle, fire damage and rock chips in glass. The maximum payout 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.

Liability

This protects you from injuries or damage you cause to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as structural damage, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like surgery, doctor visits and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Jeep Wrangler.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision protection

This covers damage to your Wrangler resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, crashing into a ditch and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

In conclusion

You just read many tips how you can save on 2016 Jeep Wrangler insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheap insurance. Consumers could even find that the lowest premium rates come from some of the lesser-known companies.

Lower-priced car insurance can be bought on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide rate quotes online and these small, regional companies sell through independent agents.

People leave their current company for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, delays in responding to claim requests and denial of a claim. Regardless of your reason for switching companies, finding the right car insurance provider can be easier than you think.

More tips and info about car insurance is located by following these links:

Comments About 2016 Jeep Wrangler Insurance

  1. Tynisha Bernard

    I can’t pay high rates. I live in a small town just outside of Grand Rapids, MI. Quoted rates from American Family, Mercury, and a few others for my 2016 Jeep Wrangler and saved just over $350 a year.

  2. Alda Drake

    GEICO and State Farm were both pretty cheap in Idaho Falls, ID.

  3. Daryl Cannon

    I found cheap 2016 Jeep Wrangler insurance in Omaha, Nebraska with GEICO.

  4. Jenee Barber

    Will GEICO raise rates if I file a claim?

  5. Lesley Riley

    Not sure what I should be paying. Quoted with Esurance for my 2016 Jeep Wrangler and am saving around $260 a year. Left Mercury to switch. I think they have home insurance too.

  6. Nydia Browning

    Not sure if this is cheap. Went with Western Auto Insurance for my Wrangler and saved around $300 a year. I get a discount for insuring multiple vehicles.

  7. Galina Finch

    Cheap is not always the best policy. I live just outside Columbia, SC. Got free quotes online for a 2016 Jeep Wrangler. Ended up at about $570 savings annually. Went with Allstate.

  8. Dedra Page

    Does State Farm have low rates for teen drivers?

  9. Evelyn Berger

    Lots of good stuff here. Checking in from Chicago, IL. I don’t recall every quote but I ended up saving about $40 each month. I get a discount for insuring multiple vehicles. I got a quote from their website.

  10. Bethanie Burton

    Anyone like their agent?

  11. Malcom Mccall

    Corporate greed I’m telling you. I live in Chicago, Illinois. Don’t remember every company but I ended up saving about $20 each month. I even had a DUI years ago.

  12. Noelia Stark

    From northwest of Rio Rancho, NM. Quoted quotes with State Farm, GMAC, and Farmers for my 2016 Jeep Wrangler and I’m now saving $55 a month. Left American Family to switch. Have a couple speeding tickets too. Not sure about claim service.

  13. Tawny Byrd

    Cheap is not always the best policy. Got a quote with Mercury for my Jeep and am saving around $120 a year.

  14. Jame Cook

    Lots of good stuff here. Quoted with GEICO for my Wrangler and saved about $200 a year. Insured with The General before.

  15. Jaleesa Thornton

    I chose to switch to Allstate from AIG Insurance. I live in Birmingham, Alabama. BTW speeding tickets are not good.

  16. Kattie Bryant

    This is too expensive. I live on the east side of Mobile, AL. I quoted with 21st Century, AIG Insurance, and some I forget for my Wrangler and saved $523 a year.

  17. Lavone Saunders

    I think I’m paying too much. I’m just north of Detroit, MI. I got free rates from State Farm, American Family, Erie, and Liberty Mutual for my Wrangler and saved about $390 a year. Was with AAA.

  18. Kelsi Tillman

    Cheaper car insurance is a myth. I live in a small town just outside of Raleigh, North Carolina. I quoted with Progressive, American Family, and some I forget for my Wrangler and saved just over $430 a year. I get multi-vehicle and multi-policy discounts. It’s still not cheap enough.