Want the cheapest insurance rates for your Jeep Renegade? Finding more affordable insurance could be slightly frustrating for drivers not familiar with online rate comparisons. Drivers have so many options that it can easily become a lot of work to find cheaper rates.
Most major insurance companies make it easy to get prices on their websites. The process is quite simple as you just type in the amount of coverage you want as requested by the quote form. When complete, their rating system pulls reports for credit and driving violations and generates a price determined by many factors.
Online price estimates makes it easy to compare insurance prices but the work required to visit multiple sites and type in the same data is monotonous and tiresome. But it’s also necessary to compare as many rates as possible in order to find the lowest insurance coverage rates.
A more efficient way to locate the lowest prices uses just one form to return rates from several different companies. The form is fast, reduces the work, and makes price shopping online a lot less work. After your information is entered, it gets priced and you can choose your choice of the price quotes you receive.
If you find a better price you simply finish the application and purchase the new policy. The entire process can be completed in less than 10 minutes and could lower your rates considerably.
To use this form to compare rates, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the coverages exactly as shown on your declarations page. Doing this guarantees you will have rate quotes for the exact same coverage.
Not too many consumers would say car insurance is affordable, but you might be missing out on some discounts that could drop your premiums quite a bit. Some discounts will apply at the time of quoting, but some discounts are required to be asked about prior to receiving the credit. If you are not receiving all the discounts available, it’s possible you qualify for a lower rate.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, you won’t be that lucky.
To locate insurers that provide some of the discounts listed above, click this link.
When buying coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.
For instance, these questions might point out if your insurance needs might need an agent’s assistance.
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.
Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive or Other Than Collision – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle, vandalism and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision – This will pay to fix damage to your Renegade caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, prosthetic devices, chiropractic care, ambulance fees and funeral costs. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverage – This protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against claims such as medical expenses, attorney fees, legal defense fees, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.
UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Jeep Renegade.
Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
It all costs too much. I live in a small town just outside of Little Rock, AR. Quoted prices from Auto-Owners, Mercury, and some smaller one I can’t remember the name of for my Renegade and saved about $350 a year. I have several vehicles insured with them.
21st Century was cheapest for my 2017 Jeep Renegade in North Charleston, SC.
Checking in from Fort Wayne, IN. Got prices from Progressive, Auto-Owners, Farmers, and Hanover for my Renegade and saved $293 a year. Left Hartford to switch. Even increased coverage a bit.
Will State Farm raise rates after an accident?
I’ve had Progressive for years. I’m in Baton Rouge, LA.
I live just to the west of Houston, TX. I quoted with Amica, Safeco, and some smaller one I can’t remember the name of for my Jeep and am saving around $160 a year. I have a teen driver too.
If you don’t have tickets and live in the vicinity of Billings, Montana, check out Progressive. They seem to be cheaper. Left MetLife to switch. They have a lot of discounts available.
I’m just east of Concord, NH, and 21st Century rates were best. Hardly afford to drive anymore.
From Fort Wayne, IN. I don’t recall every quote but I ended up saving about $50 each month. God forbid I actually have a claim.
IMHO Aberdeen, South Dakota seems to have good rates from GEICO.
From northwest of Jacksonville, FL. I got free rates from State Farm, AIG Insurance, Encompass, and Liberty Mutual for my 2017 Jeep Renegade and saved around $420 a year. Insured with Progressive before. LOL
I’ve bought from 21st Century forever. Cheapest rates in Grand Forks, ND.
I got a good deal I think. From a town just southwest of Norman, OK. I quoted with AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my Jeep and I’m now saving $39 a month. My new agent seems to be really good.
Great info, thanks for posting. From northwest of Colorado Springs, CO. Went online for free insurance quotes for a 2017 Jeep Renegade. Ended up at about $160 savings annually. Went with Allstate. Left Travelers to switch.
Live in the southern part of San Jose, California. Received prices from 21st Century, AIG Insurance, Farmers, and GMAC for my Renegade and am saving around $490 a year. Insured with USAA before.
Just my two cents. I’m in Salt Lake City, UT. Received prices from GEICO, Encompass, and Hanover for my Jeep and saved $496 a year. Insured with Travelers before. I get a discount for insuring multiple vehicles. Still almost need a second mortgage.