Compare 2018 Jeep Wrangler JK Insurance Rates in 2024

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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: Jun 2, 2024

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Want lower insurance coverage rates for your Jeep Wrangler JK? Wish you could get out of an overpriced insurance coverage policy? It’s quite common and there are lots of residents who feel the same. Companies like Progressive, State Farm and GEICO continually bombard you with ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

If you have a policy now or are shopping for new coverage, you can use this information to find better prices while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Consumers just need to know the most efficient way to get comparison quotes online.

Cheap auto insurance rate quotes

There are a lot of ways you can shop for auto insurance but there is one way that is less time-consuming than others. You can waste a lot of time talking about coverages with insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

The majority of car insurance companies belong to a marketplace that allows shoppers to submit one quote, and each company then returns a price quote based on that information. This eliminates the need for quote requests to each company.

To get comparison pricing now enter your zip code here.

One minor caveat to doing it this way is you don’t know exactly which providers you want pricing from. If you prefer to choose specific insurance companies to receive pricing from, we put together a list of auto insurance companies in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverage information for each quote you get. If each company quotes higher or lower deductibles it will be very difficult to make a fair rate comparison.

More discounts mean lower-cost premiums

Buying insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply when you purchase, but a few must be specially asked for before being credited. If you’re not getting every credit possible, you’re paying more than you need to.

  • Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
  • No Claims – Drivers with accident-free driving histories pay less compared to insureds who have frequent claims or accidents.
  • First Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual and GEICO allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
  • Defensive Driver – Participating in a safe driver class may get you a small discount and also improve your driving technique.
  • Bundled Policy Discount – If you have multiple policies and insure them with the same company you could save 10% to 20% off each policy.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.
  • Discounts for Cautious Drivers – Accident-free drivers can save up to 40% or more on their insurance coverage quote on Wrangler JK insurance than drivers with accident claims.
  • Multiple Vehicles – Buying a policy with more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
  • Buy New and Save – Buying insurance on a new vehicle can cost up to 25% less since newer vehicles have better safety ratings.

Don’t be surprised that some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, you’re out of luck.

Insurance companies that may have many of the previously listed discounts may include but are not limited to:

  • Progressive
  • The Hartford
  • Mercury Insurance
  • AAA
  • State Farm

When comparing rates, check with each company or agent to apply every possible discount. Depending on the company, some discounts might not be offered on policies in your area. To see a list of insurers that provide some of the discounts listed above, enter your zip code here.

It’s not one size fits all

When choosing adequate coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out whether you might need professional guidance.

  • When should my teen driver be added to my policy?
  • Does coverage extend to my business vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • What companies insure drivers after a DUI or DWI?
  • Do I need Motor Club coverage?
  • Are rental cars covered under my policy?
  • Do I have newly-acquired coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and may give you better protection.

What car insurance coverages do you need?

Having a good grasp of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, pain medications and doctor visits. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Jeep Wrangler JK.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

This can cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like legal defense fees, repair costs for stationary objects, bail bonds, emergency aid and attorney fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Auto collision coverage

Collision coverage pays for damage to your Wrangler JK from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, crashing into a building, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Quote more, save more

You just learned some good ideas how to lower your 2018 Jeep Wrangler JK insurance premium rates. The key thing to remember is the more rate quotes you have, the better likelihood of getting cheap insurance coverage. Consumers could even find that the best price on insurance coverage is with the smaller companies. These smaller insurers may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.

Some insurance providers do not offer rates over the internet and most of the time these smaller providers provide coverage only through local independent agencies. Cheap 2018 Jeep Wrangler JK insurance is attainable both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice full coverage only to regret that it was a big error on their part. Your goal is to purchase plenty of coverage at the best price and still be able to protect your assets.

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