2013 Jeep Wrangler Insurance Quotes – 7 Tips for Cheapest Rates

Are you baffled by the sheer number of auto insurance choices in your area? vehicle owners have such a large number of options that it can easily turn into a real difficult job to find a more affordable company.

Cheaper car insurance rates with discounts

Some providers don’t necessarily list all their discounts very clearly, so the below list has some of the more common and the more hidden credits that you can use to lower your rates.

• Save with a New Car – Buying a new car model may earn a small discount because newer models are generally safer.
• Professional Organizations – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your next car insurance statement.
• Accident Waiver – This one is not really a discount per se, but companies like Progressive, State Farm and Geico will forgive one accident before your rates go up if you have no claims prior to the accident.
• Early Renewal Discounts – Some larger companies provide a discount for switching companies prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
• No Accidents – Insureds who avoid accidents and claims have much lower rates when compared with frequent claim filers.
• Drive Less and Save – Keeping the miles down on your Jeep could qualify for lower prices on the low mileage vehicles.
• Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.

You can save money using discounts, but most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount should definitely cut the amount you pay for coverage.

Auto insurance companies that have most of the discounts above possibly include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

If you want the cheapest insurance quotes, ask all the companies which discounts can lower your rates. Some discounts may not be offered in your state. To see a list of car insurance companies with discount rates, click this link.

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Why you might not save $474 a year

Auto insurance companies such as Allstate, Geico and Progressive seem to constantly run television and radio advertisements. They all have a common claim that people will save if you move your coverage. Is it even possible that every company can save you money? Here is the trick they use.

All the different companies have specific guidelines for a prospective insured that earns them the most money. One example of a profitable risk profile may be between 25 and 40, insures multiple vehicles, and drives a car with an anti-theft system. Any customer that meets those criteria will get low premium rates and therefore will save money with a new company.

Potential insureds who don’t meet those standards will probably have to pay higher premiums which leads to business not being written. The wording the ads use say “people that switch” not “all people who quote” save that much money. This is how insurance companies can make those claims.

This illustrates why you should do a quote comparison often. It is impossible to guess which auto insurance company will have the best prices.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if you will benefit from professional help.

• What is covered by UM/UIM coverage?
• Can I afford to buy a different vehicle if my 2013 Jeep Wrangler is totaled?
• Do I pay less if my vehicle is kept in my garage?
• What if I owe more than I can insure my car for?
• How high should my uninsured/underinsured coverage be in my state?
• Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2013 Jeep Wrangler.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, vandalism and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision insurance will pay to fix damage to your Wrangler resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for things like rehabilitation expenses, prosthetic devices, nursing services, X-ray expenses and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Auto liability insurance

This protects you from injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as emergency aid, legal defense fees, medical expenses, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

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Shop Smart and Save

Consumers leave their current company for a number of reasons such as not issuing a premium refund, delays in responding to claim requests, poor customer service or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding the right insurance coverage provider can be easy and end up saving you some money.

In this article, we presented many ideas to shop for 2013 Jeep Wrangler insurance online. The key thing to remember is the more you quote insurance, the better likelihood of getting cheap insurance. Consumers may even find the biggest savings come from a lesser-known regional company.

Budget-conscious 2013 Jeep Wrangler insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not offer online rate quotes and usually these smaller companies prefer to sell through independent agents.

More resources

• Cellphones, Texting and Driving (iihs.org)
• Information for Teen Drivers (Geico)
• Credit and Insurance Scores (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)

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