2018 Jeep Wrangler Insurance Quotes – 6 Discounts for Best Rates

Trying to find cheaper auto insurance rates for your Jeep Wrangler? Searching for cheaper insurance for a Jeep Wrangler can normally be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are more efficient ways to shop for auto insurance so we’re going to tell you the proper way to quote coverages for your Jeep and get the best price possible from both online companies and local agents.

You should take the time to get comparison quotes occasionally because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Wrangler coverage a couple years back other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to find out how to quote online to buy cheaper auto insurance.

Six discounts for cheaper insurance coverage rates

Not many people think insurance is cheap, but you may be missing some discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you purchase, but occassionally some discounts must be manually applied prior to receiving the credit.

• Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
• Cautious Drivers – Insureds without accidents can pay as much as 50% less on Wrangler coverage than drivers with accident claims.
• Auto/Home Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you could earn a discount of 10% to 20% off each policy.
• Sign Early and Save – Some companies reward drivers for switching to them before your current expiration date. This discount can save up to 10%.
• Service Members Pay Less – Being on active deployment in the military could qualify you for better premium rates.
• No Accidents – Drivers who don’t have accidents can save substantially as opposed to drivers with a long claim history.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like you can get free auto insurance, you aren’t that lucky.

A few of the larger companies and their possible discounts are outlined below.

• State Farm offers premium reductions for good student, defensive driving training, multiple autos, good driver, safe vehicle, multiple policy, and student away at school.
• Geico may have discounts that include daytime running lights, multi-vehicle, seat belt use, anti-lock brakes, membership and employees, and defensive driver.
• Liberty Mutual may include discounts for new graduate, multi-policy, teen driver discount, safety features, new move discount, newly married, and hybrid vehicle.
• The Hartford offers discounts for good student, driver training, air bag, vehicle fuel type, and defensive driver.
• MetLife may offer discounts for claim-free, accident-free, good driver, good student, defensive driver, multi-policy
• Progressive has savings for online signing, multi-vehicle, continuous coverage, homeowner, and good student.

If you want low cost insurance quotes, ask every prospective company which discounts you qualify for. All car insurance discounts may not apply to policyholders in every state. To see insurers offering insurance coverage discounts, click here.

How to get auto insurance quotes

Effectively comparing auto insurance prices is a ton of work if you aren’t aware of the most efficient way to do it. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most of the larger companies participate in a marketplace that enables customers to enter their coverage request one time, and each company then gives them pricing based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To find out how much you can save on auto insurance click here to open in new window.

The single downside to using this type of form is that you can’t choose which insurance companies to get pricing from. If you prefer to choose specific insurance companies to compare prices, we have a listing of auto insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just compare identical coverage data with each company. If you use different liability limits then you won’t be able to make an equal comparison.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions might help in determining if your situation could use an agent’s help.

• Is my business laptop covered if it gets stolen from my vehicle?
• Why am I be forced to buy a membership to get insurance from some companies?
• What is roadside assistance coverage?
• Am I covered when driving a rental car?
• Does my insurance cover my expensive audio equipment?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Can you really save that much by switching?

Consumers get pounded daily by advertisements that claim the cheapest premium rates by State Farm, Allstate and Geico. They all say the same thing that you can save if you change your policy.

How is it plausible that every one can sell you cheaper insurance coverage? This is the trick they use.

All the different companies have a preferred profile for a prospective insured that will most likely be profitable. One example of a desirable insured should be married and over the age of 30, owns a home, and the vehicle is rated for pleasure use. Any customer that meets those criteria will probably get cheap rates and will save a lot of money.

People who don’t meet those criteria must pay a higher premium with the end result being business not being written. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That is how companies can truthfully make the claims of big savings. This illustrates why drivers should compare rate quotes every year. It’s just not possible to know the company that will give you lower rates than your current company.

Car insurance policy coverages for a 2018 Jeep Wrangler

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Coverage for liability – Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as structural damage, funeral expenses, bail bonds, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills for chiropractic care, rehabilitation expenses, funeral costs and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage covers damage to your Wrangler from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Jeep Wrangler.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, hitting a deer, damage from flooding and fire damage. The maximum amount your car insurance company will pay 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.

Make a quick buck

Budget-friendly insurance coverage can be bought online and from local agencies, so you need to shop insurance with both to have the best selection. Some insurance companies do not offer online quoting and usually these regional insurance providers prefer to sell through local independent agencies.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

People change insurance companies for any number of reasons including unfair underwriting practices, an unsatisfactory settlement offer, extreme rates for teen drivers and high prices. It doesn’t matter why you want to switch finding the right insurance coverage provider can be pretty painless.

Additional insurance coverage information can be read at these links:

• Comprehensive Coverage (Liberty Mutual)
• Distracted Driving Statistics (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)