2017 Jeep Wrangler Insurance Quotes

Trying to find cheaper insurance rates for your Jeep Wrangler? Searching for cheaper insurance for a new or used Jeep Wrangler can be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the proper way to quote coverages for a Jeep and locate the cheapest rates.

If you have insurance now or are shopping for new coverage, you can use these tips to find the best rates while maximizing coverage. Locating the lowest cost insurance coverage is not that difficult. Vehicle owners only need an understanding of the proper methods to compare prices over the internet.

The most recommended method to compare insurance rates in your area is to realize all the major auto insurance companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is provide information such as whether you have decent credit, whether you are married, your occupation, and how your vehicles are used. Those rating factors is sent automatically to insurance carriers in your area and you should receive rate quotes almost instantly.

Discounts for cheaper insurance coverage rates

Some insurance providers don’t necessarily list all disounts in an easy-to-find place, so here is a list a few of the more common and also the lesser-known savings tricks you should be using when you buy insurance online.

  • Early Switch Discount – A few larger companies offer discounts for switching companies prior to the expiration date on your current policy. This discount can save up to 10%.
  • Accident-Free Discounts – Claim-free drivers can earn big discounts as compared to bad drivers.
  • Discounts for Responsible Drivers – Safe drivers can save as much as half off their rates for Wrangler insurance as compared to drivers with claims.
  • Multiple Vehicles – Buying a policy with multiple cars on one policy could earn a price break for each car.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Military Rewards – Being deployed in the military could trigger a small discount.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • Safety Course Discount – Successfully completing a course that instructs on driving safety could cut 5% off your bill if you qualify.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may get savings of more than 20%.

Please keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few popular companies and a partial list of their discounts are outlined below.

  • State Farm discounts include Drive Safe & Save, accident-free, multiple autos, safe vehicle, and passive restraint.
  • American Family may include discounts for good student, multi-vehicle, air bags, Steer into Savings, good driver, defensive driver, and TimeAway discount.
  • GEICO may have discounts that include anti-theft, federal employee, driver training, emergency military deployment, daytime running lights, and five-year accident-free.
  • 21st Century offers discounts including automatic seat belts, early bird, homeowners, 55 and older, and anti-lock brakes.
  • Progressive has savings for good student, multi-vehicle, homeowner, online quote discount, continuous coverage, and online signing.

Check with each company or agent the best way to save money. Some discounts may not apply to policyholders in your area. For a list of providers who offer cheap insurance coverage quotes, click this link.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation could use an agent’s help.

  • What if I total my 2017 Jeep Wrangler and owe more than it’s worth?
  • Do I really need UM/UIM coverage?
  • What exactly is covered by my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I have combined single limit or split liability limits?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Good decisions result in lower insurance prices

Lots of things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, although some other factors are less apparent like your continuous coverage or your financial responsibility.

The itemized list below are some of the most common factors auto insurance companies consider when setting your rates.

  • Bump up comp and collision deductibles to lower rates – The deductibles are how much you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage coverage, also called ‘full coverage’, is used to repair damage to your car. A few examples of covered claims would be collision with another vehicle, collision with a deer, and having a roll-over accident. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Wrangler insurance.
  • Your location is important – Residing in smaller towns and rural areas of the country may provide you with better prices when insuring your vehicles. People in densly populated areas regularly have more aggressive driving styles and longer commutes to work. Fewer people means a lower chance of having an accident and lower theft and vandalism rates.
  • Lower rates with a multi-policy discount – Some insurers give discounts for people that buy multiple policies such as combining an auto and homeowners policy. If you currently are using one company, drivers will still want to compare rates to help guarantee you have the best rates.
  • When should you file a claims? – If you are the type of insured that files lots of claims you shouldn’t be surprised to get either higher rates or even cancellation. Companies award cheaper rates to people who file claims infrequently. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • With age comes responsibility – Youthful drivers tend to be more careless when driving and because of this, their auto insurance rates are much higher. If you’ve ever had to add a beginning driver to your auto insurance policy can break the bank. Older, more experienced drivers tend to be more responsible, cause fewer claims and accidents and are safer drivers.
  • Annual mileage and car insurance costs – The higher the mileage driven annually the more you will pay for auto insurance. A lot of companies rate vehicles based upon how much you drive. Cars that do not get driven very much qualify for better rates compared to those used for work or business. A policy that improperly rates your Wrangler is just wasting money. It’s a good idea to make sure your declarations sheet states the correct usage for each vehicle.
  • Save money by having good credit – Credit history factor in calculating your auto insurance rates. Drivers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit scores. Therefore, if your credit history leaves room for improvement, you could save money insuring your 2017 Jeep Wrangler if you clean up your credit.

What car insurance coverages do you need?

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, scraping a guard rail, backing into a parked car, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like X-ray expenses, prosthetic devices and pain medications. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2017 Jeep Wrangler.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance

This coverage will cover damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as legal defense fees, repair costs for stationary objects, attorney fees and structural damage. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage covers 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 pays for claims like falling objects, damage from a tornado or hurricane and damage from getting keyed. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Stretch your dollar

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed full coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

You just read a lot of information how to save on 2017 Jeep Wrangler insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies.

Consumers leave their current company for a number of reasons such as not issuing a premium refund, delays in responding to claim requests, poor customer service and delays in paying claims. It doesn’t matter what your reason, choosing a new company is easier than you think.

More tips and info about auto insurance is located at these sites:

Comments About 2017 Jeep Wrangler Insurance

  1. Tisa Cleveland

    Nice info. From northwest of Chicago, IL. Got car insurance rates from Auto-Owners, Mercury, and Western Auto Insurance for my Jeep and cut my rates about $540 a year. I have kids on my policy, too. I used their website to get prices.

  2. Gigi Pollard

    I’ve bought from GEICO forever. Cheapest rates in New York City, New York.

  3. Breanna Weeks

    What exactly does liability cover?

  4. Gene Herring

    Checking in from Kailua, HI. Got quotes with American Family, Nationwide, and some smaller one I can’t remember the name of for my Wrangler and saved around $270 a year. Was with GMAC. They have free quotes online.

  5. Malorie Torres

    What are minimum liability limits required in Colorado?

  6. Vernita Merritt

    Cheap is relative. I’m in Grand Rapids, MI. Checked online prices for a 2017 Jeep Wrangler. Ended up at about $330 savings annually. Went with State Farm. I’m a pretty good driver though. Still almost need a second mortgage.

  7. Kyung Ruiz

    If you have a clean record and live in the vicinity of Newark, DE, check out Allstate. They seem to be cheaper. Thankfully I’m not a high risk driver. I just quoted rates online.

  8. Lee Fitzgerald

    Lots of useful info here. From a town just southwest of Rochester, New York. Went online for free insurance quotes for a 2017 Jeep Wrangler. Ended up at about $400 savings annually. Went with Progressive.

  9. Jong Abbott

    If you don’t have tickets and live around Gulfport, Mississippi, check out Progressive. They seem to be cheaper.

  10. Fe Hinton

    Does GEICO use ACV or replacement cost?