Cheaper 2018 Jeep Wrangler JK Insurance Rates

Trying to find cheaper auto insurance rates for your Jeep Wrangler JK? Nobody looks forward to paying premiums for auto insurance, particularly when the prices are way too high. Insurance companies such as GEICO and Progressive all claim big savings, bombarding you with ads and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Smart consumers take time to take a look at other company’s rates as often as possible because prices are constantly changing. Even if you think you had the lowest price for Wrangler JK insurance a couple years back a different company probably has better rates today. Block out anything you think you know about auto insurance because you’re going to learn the easiest way to find better rates and still maintain coverage.

If you have a current insurance coverage policy or are looking for a new policy, you can use these tips to find the best rates and possibly find even better coverage. Finding the best rates is not that difficult. Consumers only need an understanding of the proper methods to shop their coverage around on the web.

Buy insurance coverage online

Finding cheaper insurance coverage prices is an easy way to save money. You just have to take a few minutes to compare free insurance quotes provided by online insurance companies. This can be accomplished by following the guidelines below.

  1. The most efficient way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing separate quotes for each company you want a rate for. A single, simple form gets prices estimates direct from many companies.
  2. A harder way to shop for insurance coverage online consists of visiting the website of each company and get a separate price quote. For sake of this example, let’s say you are doing a rate comparison from State Farm, Allstate and Progressive. To get rate quotes you would need to spend time on each company’s site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just make sure you compare identical coverage limits and deductibles for each quote you get. If you enter higher or lower deductibles you can’t possibly make a fair comparison for your Jeep Wrangler JK.

Cheap insurance coverage rates with discounts

Car insurance can cost a lot, but there may be some discounts to help bring down the price. Certain reductions will be credited when you purchase, but a few must be manually applied in order for you to get them.

  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
  • Fewer Miles Equal More Savings – Driving less could qualify for cheaper insurance coveragerates.
  • Payment Discounts – By making one initial payment instead of making monthly payments you could save 5% or more.
  • Paper-free Discount – Certain larger companies will give a small break for completing your application on the internet.
  • No Charge for an Accident – This isn’t a discount exactly, but some companies like GEICO and Allstate will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
  • Telematics Data Discounts – Drivers who elect to allow their insurance coverage company to track their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.
  • Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
  • Cautious Driver Discounts – Insureds without accidents may receive a discount up to 45% for Wrangler JK insurance than their less cautious counterparts.
  • Defensive Driver Discount – Taking part in a safe driver course could possibly earn you a 5% discount if you qualify.
  • Homeowners Discount – Owning a home may trigger a policy discount on insurance coverage since owning and maintaining a home requires a higher level of personal finance.

As a footnote on discounts, most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.

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

  • State Farm includes discounts for defensive driving training, safe vehicle, passive restraint, student away at school, accident-free, driver’s education, and good student.
  • Nationwide offers discounts for easy pay, multi-policy, defensive driving, good student, and Farm Bureau membership.
  • GEICO offers premium reductions for defensive driver, multi-vehicle, emergency military deployment, seat belt use, good student, daytime running lights, and anti-theft.
  • AAA may include discounts for AAA membership discount, good student, multi-policy, pay-in-full, anti-theft, good driver, and education and occupation.
  • 21st Century has savings for driver training, air bags, homeowners, early bird, and anti-lock brakes.
  • The Hartford may have discounts that include defensive driver, driver training, good student, vehicle fuel type, bundle, and anti-theft.

Before buying, ask every prospective company what discounts are available to you. Discounts might not be offered everywhere. To see companies offering insurance coverage discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. For example, these questions can aid in determining whether you may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • What happens if I owe more than my 2018 Jeep Wrangler JK is worth?
  • Can I drive in Mexico and have coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How high should my medical payments coverage be?
  • Do I need motorclub coverage?
  • When should I buy a commercial auto policy?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of your insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Collision coverage – This coverage pays for damage to your Wrangler JK from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, sideswiping another vehicle, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle, fire damage, damage from getting keyed and damage from flooding. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability – This provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your 2018 Jeep Wrangler JK.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like surgery, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comments About 2018 Jeep Wrangler JK Insurance

  1. Susann Mccarty

    Cheap is not always the best policy. Went with American Family for my Jeep and saved around $460 a year. Not sure if rates are cheaper online or through an agent.

  2. Mitsuko Richard

    I’m in Eugene, OR, and 21st Century rates were affordable. I have kids on my policy, too.

  3. Sabrina Mcpherson

    I live in a small town just outside of Manchester, NH. Quoted quotes from Allstate, Esurance, and Hanover for my 2018 Jeep Wrangler JK and saved just over $560 a year. It’s easy to compare rates online now.

  4. Fernande Mckinney

    If you’re a decent driver and are close to North Charleston, SC, check out Progressive. I saved quite a bit. Are quotes cheaper online?

  5. Birgit Palmer

    Hope my car insurance gets cheaper. Live in Parkersburg, WV. Got car insurance prices from USAA, Amica, Liberty Mutual, and Sentry for my Jeep and saved $326 a year.