2015 Jeep Renegade Insurance Rates
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UPDATED: Aug 30, 2018
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Tired of paying out the nose to pay your car insurance bill each month? You are no different than most other car owners.
Numerous car insurance companies battle for your business, so it’s not easy to compare every company to discover the definitive lowest cost out there.
Smart consumers take time to shop coverage around before your policy renews because rates are usually higher with each renewal. Even if you think you had the lowest price for Renegade insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the best methods to find great coverage at a great price.
Discounts on Jeep Renegade insurance
Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be applied when you complete an application, but a few need to be asked for before you will receive the discount.
- Homeowners Discount – Being a homeowner can help you save on auto insurance because of the fact that having a home shows financial diligence.
- Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
- Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
- Air Bag Discount – Factory air bags can qualify for discounts of 20% or more.
- Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any qualifying discounts will cut the amount you have to pay.
To see a list of companies with the best auto insurance discounts, click this link.
Tailor your coverage to you
When it comes to choosing the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions can help discover if your insurance needs could use an agent’s help.
- What is covered by UM/UIM coverage?
- Will filing a claim cost me more?
- Do I need to file an SR-22 for a DUI in my state?
- Is my Jeep Renegade covered if I use it for business?
- Am I covered if my car is in a flood?
- Which is better, split liability limits or combined limits?
If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.
Don’t be fooled by advertising claims
Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. All the companies make an identical promise about savings if you switch your coverage to them. How can each company make the same claim?
Insurance companies have a certain “appetite” for the type of driver that is profitable for them. A good example of a preferred risk might be profiled as between the ages of 40 and 55, owns a home, and has a short commute. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.
Potential customers who are not a match for the requirements will be charged higher premiums and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently advertise the savings.
That is why it’s extremely important to quote coverage with many companies. You cannot predict which auto insurance company will provide you with the cheapest Jeep Renegade insurance rates.
The coverage is in the details
Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.
This coverage will pay to fix damage to your Renegade 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 things such as rolling your car, damaging your car on a curb, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.
Auto liability insurance
Liability coverage can cover damage that occurs to other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like medical services, repair costs for stationary objects, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.
Uninsured and underinsured coverage
Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Renegade.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like damage from getting keyed, vandalism, rock chips in glass and damage from flooding. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Coverage for medical payments
Med pay and PIP coverage pay for immediate expenses for things like ambulance fees, doctor visits, hospital visits, dental work and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
In the end, you save
Discount 2015 Jeep Renegade insurance can be sourced both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.
When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. In many cases, someone sacrificed full coverage to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Much more information about auto insurance is located on the following sites:
- Prom Night Tips for Teen Drivers (State Farm)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Insitute)
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