2014 Jeep Wrangler Insurance Rates in 2024 – 7 Tricks for Cheapest Quotes

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 10, 2024

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Purchasing the cheapest insurance over the internet can appear to be somewhat difficult for people that are relatively new to buying insurance online. With so many online companies available, how can anyone have a chance to compare every company to locate the lowest price?

Smart consumers take time to get comparison quotes once or twice a year due to the fact that insurance prices trend upward over time. Just because you had the lowest quotes on Wrangler insurance on your last policy you may be paying too much now. There is lot of inaccurate information about insurance on the web, but in a few minutes you can learn some good information on how to lower your insurance premiums.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. This article will instruct you on the most effective way to quote insurance and some tricks to saving. But vehicle owners should learn the methods companies use to determine prices and apply this information to your search.

Compare quotes for insurance

There are several ways to compare quotes from many different insurance companies. By far the easiest way to find the cheapest 2014 Jeep Wrangler insurance rates consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

  • The first (and easiest) way consumers can analyze rates would be an industry-wide quote request form. This type of form keeps you from doing multiple quote forms for each company you want a rate for. One form gets you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to get comparison quotes consists of visiting the website for every company you want to compare to complete a price quote. For examples sake, let’s say you want to compare rates from USAA, Progressive and Liberty Mutual. In order to compare rates, you need to take the time to go to each site to enter the same coverage data repeatedly, which is not fast way to get rate quotes.
  • Even if you have time, the least recommended way to shop rates is to drive around to local insurance agencies. Comparing rate quotes online reduces the need to sit down with an agent unless your situation requires the professional guidance that only an agent can give. It is possible to comparison shop online and get advice from an agent in your area.

However you get your quotes, be sure to compare nearly identical coverage limits and deductibles for each price quote. If you enter unequal deductibles or liability limits you will not be able to get a fair rate comparison. Just a small difference in coverages can result in a big premium difference. And when quoting insurance, remember that comparing all the rates in your area provides better odds of finding lower pricing. Some insurance companies are not set up to provide price estimates online, so it’s necessary to compare price quotes from them as well.

Save money by earning these seven discounts

Companies do not advertise the complete list of policy discounts very clearly, so the list below gives a summary of both well-publicized and the harder-to-find discounts that may be available.

  • Discounts for Government Workers – Federal government employees may reduce rates when you quote insurance on Wrangler insurance with some insurance companies.
  • No Accidents – Insureds with no claims or accidents get the best insurance rates as compared to frequent claim filers.
  • Senior Citizens – Drivers over the age of 55 may receive reduced rates on Wrangler insurance.
  • Responsible Driver Discount – Insureds without accidents may save up to 50% more on Wrangler insurance than their less cautious counterparts.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
  • Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Good Students Pay Less – Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.

A quick disclaimer, most of the big mark downs will not be given to the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will definitely reduce the cost of your policy.

A few companies that possibly offer most of the discounts above possibly include:

  • State Farm
  • Esurance
  • Progressive
  • Liberty Mutual
  • Auto-Owners Insurance

When getting free insurance quotes, it’s a good idea to every insurance company to give you their best rates. A few discounts may not be offered in every state. To view insurers with the best insurance discounts, enter your zip code here.

Your car insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions may help you determine whether or not you might need professional guidance.

  • When should I remove comp and collision on my 2014 Jeep Wrangler?
  • Do I have coverage for damage caused while driving under the influence?
  • Does insurance cover tools stolen from my truck?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my 2014 Jeep Wrangler need full coverage?
  • Are split liability limits better than a combined single limit?
  • Is my babysitter covered when using my vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and enter your zip code.

Specific coverages for a Jeep Wrangler

Learning about specific coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for liability

This protects you from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as emergency aid, structural damage and pain and suffering. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for surgery, chiropractic care, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

This pays for damage to your Wrangler caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird, theft and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

More comparisons equals lower rates

When shopping online for auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped collision coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

Throughout this article, we presented quite a bit of information on how to compare 2014 Jeep Wrangler insurance car insurance rates online. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

People switch companies for a variety of reasons including policy cancellation, policy non-renewal, poor customer service or even extreme rates for teen drivers. No matter why you want to switch, switching companies is less work than it seems.

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