Jeep Wrangler Owners Find the Cheapest Auto Insurance Rates

Overpriced Jeep Wrangler insurance can drain your checking account, especially in this economy. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket. Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to discover the definitive lowest rate possible.

You need to do rate comparisons yearly since rates are rarely the same from one policy term to another. Just because you found the best deal for Wrangler insurance on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to learn one of the easiest ways to find great coverage at a great price.

How much can you save with discounts?

Car insurance companies do not list every discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Own a Home – Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Claim Free – Claim-free drivers pay less when compared to bad drivers.
  • Driver Safety – Taking a course in driver safety can save you 5% or more if your company offers it.
  • Air Bag Discount – Vehicles with factory air bags can get savings of up to 25% or more.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates on auto insurance for Wrangler insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

How to Compare Auto Insurance Rates

Finding cheaper auto insurance prices is not a difficult process. The only thing you need to do is spend a few minutes on the computer to compare quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The recommended way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for separate quotation requests for each company you want a rate for. Taking the time to complete one form gets you price quotes instantly. car insurance

A more difficult way to get comparison quotes requires you to visit each company’s website to request a price quote. For sake of this example, let’s say you want rates from Farmers, Progressive and GMAC. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but be sure to compare exactly the same coverage limits with each company. If you use different limits and deductibles on each one you can’t possibly decipher which rate is best.

Parts of the Jeep Wrangler rate equation

It’s important that you understand some of the elements that go into determining auto insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

  • Your credit rating is important – Credit rating is a important factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores. So if your credit history can use some improvement, you could be paying less to insure your Jeep Wrangler by spending a little time repairing your credit.
  • More than one policy can earn a discount – Some auto insurance companies provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Bad driving skills means higher rates – Good drivers receive lower rates than people who have multiple driving citations. Even a single citation can increase rates twenty percent or more. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Do you work long hours in a high stress job? – Occupations such as judges, business owners and accountants tend to have higher rates than average because of high stress levels and lengthy work days. On the flip side, occupations like pilots, athletes and retirees receive lower rates for Wrangler insurance.
  • Older drivers pay less – Older drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets. Teenage drivers tend to be less responsible behind the wheel therefore auto insurance rates are much higher.

How much car insurance do I need?

When it comes to choosing coverage, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • If my Jeep Wrangler is totaled, can I afford another vehicle?
  • Do I need higher deductibles?
  • Why am I required to buy high-risk coverage?
  • Do I need roadside assistance coverage?
  • Does medical payments coverage apply to all occupants?
  • Is my teen driver covered when they drive my company car?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Jeep Wrangler insurance cheap

One last thing

We just covered a lot of information how to save on Jeep Wrangler insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

When shopping online for auto insurance, do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability coverage limits only to regret at claim time they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

The cheapest Jeep Wrangler insurance is available both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.