Jeep Jeep Wrangler Insurance Rates
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UPDATED: Dec 2, 2021
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Trying to find cheaper insurance coverage rates for your Jeep Wrangler? No one likes having to buy insurance coverage, in particular when they are paying too much.
Many insurers vie to insure your vehicles, and because of this it can be hard to compare insurers to find the absolute best price available.
It’s a good idea to shop coverage around once or twice a year because rates are variable and change quite frequently. If you had the best deal on Wrangler coverage two years ago a different company probably has better rates today. Ignore everything you know about insurance coverage because you’re about to find out how to quote online to find better coverage at a better price.
Discounts on Jeep Wrangler insurance
Companies that sell car insurance do not list every discount in a way that’s easy to find, so here is a list both the well known and the harder-to-find ways to save on insurance.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
- Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
- 55 and Retired – Older drivers may be able to get reduced rates on Wrangler coverage.
- Resident Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
- Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
- No Claims – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
- Homeowners Pay Less – Being a homeowner may trigger a insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
- Multi-car Discount – Buying coverage for more than one vehicle with the same company could earn a price break for each car.
- New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
Drivers should understand that some of the credits will not apply the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies aren’t that generous.
For a list of insurers offering insurance discounts, click this link.
Why your Jeep Wrangler might be costing you more
Consumers need to have an understanding of the factors that come into play when calculating the price you pay for insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get better insurance rates.
The list below includes some of the items used by your company to calculate your rates.
- Being married can save on insurance – Having a spouse can actually save you money on your insurance policy. Having a spouse is viewed as being more mature it has been statistically shown that married drivers get in fewer accidents.
- Where you live is a factor – Choosing to live in less populated areas can be a good thing when buying insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
- Protect your assets with liability insurance – The liability section of your policy is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
- More miles equals more premium – Driving more miles in a year’s time the higher your rate. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Wrangler may be costing you.
Tailor your coverage to you
When buying the best car insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might help in determining if you will benefit from professional help.
- At what point should I drop full coverage?
- Am I covered if my car is in a flood?
- Do I need replacement cost coverage on my 2009 Jeep Wrangler?
- What if I owe more than I can insure my car for?
- What is high-risk coverage and where do I buy it?
- Do I have coverage when making deliveries for my home business?
- Does insurance cover damages from a DUI accident?
- Do I have coverage when pulling a U-Haul trailer?
- Is my babysitter covered when using my vehicle?
If you don’t know the answers to these 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, complete this form or you can go here for a list of companies in your area.
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Car insurance myths debunked
Companies like 21st Century, Allstate and State Farm consistently run ads on television and other media. All the ads have a common claim of big savings if you change your coverage to them. But how can every company claim to save you money? It’s all in the numbers.
Insurance companies are able to cherry pick for the right customer they prefer to insure. A good example of a driver they prefer could possibly be between the ages of 30 and 50, has no driving citations, and chooses high deductibles. A driver who fits that profile will get the preferred rates and as a result will probably save when they switch companies.
Consumers who don’t meet this ideal profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently advertise the savings. That is why you should get quotes from several different companies. It’s impossible to know which car insurance company will provide you with the cheapest Jeep Wrangler insurance rates.
Insurance coverages 101
Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, X-ray expenses, ambulance fees and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Coverage for liability
Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability can pay for claims like funeral expenses, medical expenses, attorney fees and court costs. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.
Collision coverage will pay to fix damage to your Wrangler resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.
Comprehensive coverage (or Other than Collision)
This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hitting a bird, fire damage, rock chips in glass, vandalism and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Jeep Wrangler.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Smart shoppers get results
We just showed you some good ideas how you can reduce 2009 Jeep Wrangler insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even find the lowest rates come from some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.
While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. In many cases, someone sacrificed collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
Cheap insurance can be purchased both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some car insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
To read more, take a look at the following helpful articles:
- Should I Buy a New or Used Car? (Allstate)
- Airbag FAQ (iihs.org)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
- Speed and Speed Limit FAQ (iihs.org)
- Collision Insurance Coverage (Nationwide)
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