Lower Your 2016 Jeep Wrangler Car Insurance Rates

Want better auto insurance rates for your Jeep Wrangler? Scraping up a payment for expensive Jeep Wrangler insurance can take a big chunk out of your checking account and possibly require postponing other expenditures. Comparing rate quotes can lower your rates and help to tighten up your finances.

Big companies like Allstate, Progressive and GEICO all claim big savings, bombarding you with catchy ads and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

Find hidden discounts to get affordable insurance rates

Companies that sell car insurance do not list all their discounts very clearly, so below is a list a few of the more common as well as the least known discounts that you can inquire about if you buy insurance online.

  • Payment Method – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
  • Military Deployment Discount – Having a family member in the military could trigger a small discount.
  • Sign Online – Some of the larger companies give back up to $50 for buying a policy and signing up on your computer.
  • Auto/Life Discount – Some insurance carriers give a discounted price on car insurance if you buy a life policy as well.
  • Low Mileage Discounts – Maintaining low annual mileage can earn lower prices due to less chance of an accident.
  • Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on insurance quote as compared to policyholders that have many claims.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Discount for Swiching Early – A few larger companies give discounts for switching companies before your current coverage expires. This can save 10% or more.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Anti-theft Discount – Cars and trucks with anti-theft systems prevent vehicle theft so companies will give you a small discount.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, nobody gets a free ride.

Companies and some of the discounts include:

  • State Farm may include discounts for safe vehicle, multiple autos, anti-theft, student away at school, and driver’s education.
  • GEICO policyholders can earn discounts including daytime running lights, multi-vehicle, federal employee, air bags, emergency military deployment, and military active duty.
  • Liberty Mutual discounts include hybrid vehicle, teen driver discount, preferred payment discount, good student, new graduate, new move discount, and multi-policy.
  • The Hartford offers premium reductions for air bag, bundle, driver training, anti-theft, and defensive driver.
  • MetLife may offer discounts for defensive driver, accident-free, claim-free, good student, and multi-policy.
  • Progressive offers discounts including good student, multi-vehicle, online signing, continuous coverage, and homeowner.

Check with each insurance company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policies in your area.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight if your situation might need professional guidance.

  • When should my teen driver be added to my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I bundle my homeowners policy with my auto?
  • Do I need special endorsements for business use of my vehicle?
  • Can I still get insurance after a DUI?
  • What are the financial responsibility laws in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is the minimum liability in my state?
  • Which companies will insure high-risk drivers?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Insurance advertising tricks

Consumers can’t ignore all the ads for cheaper insurance coverage by companies like 21st Century, Allstate and State Farm. They all advertise the message that people will save just by moving to them.

How is it possible that every company can have lower policy pricing? It’s all in the words they use.

Insurance companies can use profiling for the type of customer that is profitable for them. For example, a desirable insured should be a married male, has other policies, and has great credit. A customer that meets those criteria will probably get the lowest premium rates and will also cut their rates substantially.

People who do not match this ideal profile will see higher premium rates and the customer buying from someone else. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” save that much money. That is how insurance companies can advertise the savings. This emphasizes why you should get price quotes at each policy renewal. It is impossible to guess which company will provide you with the cheapest premium rates.

Auto insurance coverage information

Learning about specific coverages of your car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Liability

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like pain and suffering, funeral expenses, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, a broken windshield, hail damage, falling objects and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like hospital visits, dental work, funeral costs, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Wrangler from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, sustaining damage from a pot hole, scraping a guard rail, hitting a parking meter and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jeep Wrangler.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

More quotes. Lower rates.

As you quote insurance, don’t be tempted to reduce needed coverages to save money. In many instances, someone sacrificed comprehensive coverage or liability limits only to find out that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

Lower-priced 2016 Jeep Wrangler insurance is possible from both online companies and from local agencies, and you should compare rates from both so you have a total pricing picture. A few companies do not provide online rate quotes and these regional carriers provide coverage only through independent agents.

Throughout this article, we presented a lot of techniques to save on 2016 Jeep Wrangler insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding low cost insurance. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. They may have significantly lower prices on certain market segments than their larger competitors like Allstate and Progressive.

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