2014 Jeep Wrangler Insurance Quotes

Are you overwhelmed by the sheer number of auto insurance sources in your area? There are so many choices that it can easily become a big hassle to find a more affordable company.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Locating affordable coverage is simple if you know the tricks. But car owners must know the methods companies use to determine prices.

How you can control Jeep Wrangler insurance costs

The best way to find cheaper auto insurance is to take a look at the factors that aid in calculating the price you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with lower auto insurance prices.

  • Cheaper rates with safer cars – Safe vehicles can get you lower premiums. Vehicles engineered for safety reduce occupant injuries and fewer injuries means less money paid by your insurance company and thus lower rates.
  • Auto insurance policy lapses increase auto insurance rates – Allowing your coverage to lapse is a quick way to trigger a rate increase. Not only will you pay more, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
  • If you don’t need it don’t buy it – There are a ton of optional add-on coverages that you can buy on your Wrangler policy. Coverages like roadside assistance, better glass coverage, and additional equipment coverage may be costing you every month. They may sound like good ideas initially, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Having a spouse is a bonus – Having a wife or husband may cut your premiums on your auto insurance policy. Having a spouse generally demonstrates drivers are more mature and statistics prove drivers who are married are more cautious.
  • GPS tracking and theft deterrents reduce premiums – Owning a car with a theft deterrent system can help lower your premiums. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft.

Do you qualify for discounts?

Car insurance can cost a lot, but you may find discounts that could drop your premiums quite a bit. Some trigger automatically when you get a quote, but a few need to be inquired about before being credited. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Defensive Driver Discounts – Taking time to complete a safe driver course is a good idea and can lower rates depending on where you live.
  • Good Drivers – Insureds without accidents can save as much as half off their rates for Wrangler insurance than drivers with accident claims.
  • Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • More Vehicles More Savings – Buying coverage for more than one vehicle on a single policy can get a discount for every vehicle.
  • Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease for Wrangler insurance with certain companies.
  • Onboard Data Collection – Drivers that enable their company to track driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Renewal Discounts – A few car insurance companies give discounts for buying a new policy before your current expiration date. It’s a savings of about 10%.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance since owning and maintaining a home is proof that your finances are in order.
  • Discounts for New Vehicles – Buying a new car instead of a used car can save you some money since new model year vehicles have better safety ratings.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky.

A list of companies and a selection of discounts are outlined below.

  • Farm Bureau may have discounts that include safe driver, youthful driver, renewal discount, driver training, multi-policy, 55 and retired, and good student.
  • MetLife may offer discounts for defensive driver, good student, multi-policy, claim-free, accident-free, and good driver.
  • Progressive offers discounts for good student, homeowner, online signing, multi-vehicle, online quote discount, and continuous coverage.
  • AAA offers discounts including multi-car, anti-theft, education and occupation, pay-in-full, good student, and good driver.
  • American Family has savings for air bags, good driver, accident-free, mySafetyValet, and good student.
  • GEICO has discounts for five-year accident-free, seat belt use, good student, membership and employees, daytime running lights, and anti-theft.
  • State Farm includes discounts for safe vehicle, multiple policy, Steer Clear safe driver discount, defensive driving training, good student, and anti-theft.

Before purchasing a policy, check with all the companies which credits you are entitled to. A few discounts might not be available to policyholders in your area. To see providers with discount car insurance rates, follow this link.

Do drivers who switch really save $435 a year?

Companies like Progressive, Allstate and GEICO seem to constantly run television and radio advertisements. All the ads make the point that drivers will save a bundle if you change your coverage to them. How does every insurance company make almost identical claims? This is the way they can do it.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. One example of a preferred risk could possibly be a mature driver, has never had a policy lapse, and drives newer vehicles. Any new insured who fits those characteristics will qualify for the lowest premium rates and as a result will probably save a lot if they switch.

Drivers who do not fit those standards will be quoted more expensive rates and this can result in the customer not purchasing. The ads say “people that switch” not “everyone that quotes” can get the lowest rates when switching. This is how companies can advertise the savings.

Each company has different criteria, so drivers should get as many free insurance coverage quotes as possible. It’s impossible to know which company will have the lowest premium rates for your situation.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions could help you determine if you could use an agent’s help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How can I get high-risk coverage after a DUI?
  • Is my babysitter covered when using my vehicle?
  • How much liability coverage do I need in my state?
  • Does coverage extend to Mexico or Canada?
  • How does medical payments coverage work?
  • Should I buy additional glass protection?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance coverage basics

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, driving through your garage door, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like prosthetic devices, funeral costs, dental work and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Coverage for liability

This will cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as loss of income, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2014 Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, damage from getting keyed, fire damage, damage from a tornado or hurricane and hitting a deer. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Quote more, save more

When getting insurance coverage quotes online, it’s very important that you do not reduce needed coverages to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Insureds who switch companies do it for a variety of reasons including high prices, extreme rates for teen drivers, policy non-renewal and even delays in responding to claim requests. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

Cheap 2014 Jeep Wrangler insurance is available online as well as from insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not provide rates over the internet and many times these small insurance companies only sell coverage through independent insurance agencies.

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