2017 Jeep Wrangler Car Insurance Rates – 9 Savings Tips

Looking for better insurance coverage rates for your Jeep Wrangler? Scraping up a payment for pricey Jeep Wrangler insurance can deplete your monthly budget and make it tough to pay other bills. Doing a price comparison is free and is an excellent way to lower your monthly bill.

Vehicle owners have multiple car insurance companies to purchase coverage from, and although it’s nice to have a choice, lots of choices makes it harder to compare company pricing.

Finding the best rates is not rocket science. If you have a current auto insurance policy or need new coverage, you can use this information to get lower rates while maintaining coverages. Drivers just need to learn the proper way to compare company rates over the internet.

Get lower-cost rates with these nine insurance coverage discounts

Insurance coverage is not an enjoyable expense, but you may find discounts that you may not even know about. Many of these discounts will be applied automatically at the time of purchase, but some need to be manually applied prior to getting the savings.

• Air Bag Discount – Options like air bags or motorized seat belts may qualify for discounts up to 30%.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• Membership in Organizations – Joining certain professional organizations is a good way to get lower rates on your next insurance coverage statement.
• Discount for New Cars – Buying a new car instead of a used car can get you a discount since new vehicles are generally safer.
• Pay Early and Save – By paying your entire bill at once rather than paying monthly you can actually save on your bill.
• ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control have fewer accidents and qualify for as much as a 10% discount.
• Sign Early and Save – A few insurance companies offer discounts for buying a policy early. You can save around 10% with this discount.
• Low Mileage – Fewer annual miles on your Jeep could be rewarded with better premium rates on cars that stay parked.
• Accident Forgiveness – Not really a discount, but companies like Allstate, Progressive, and Geico may permit one accident before your rates go up as long as you don’t have any claims for a set time period.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few companies that may offer some of the discounts shown above include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

If you need cheap insurance quotes, ask all the companies which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your state. To see insurance companies with discount rates, click here.

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Car insurance can get complicated

When buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help you determine if your situation would benefit from professional advice.

• How much liability coverage do I need in my state?
• Is my cargo covered for damage or theft?
• Am I covered if I wreck a rental car?
• Do I have coverage when making deliveries for my home business?
• What is UM/UIM insurance?
• Can I get a multi-policy discount?
• Should I put collision coverage on all my vehicles?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Tricks in insurance advertising

Drivers can’t get away from ads for insurance savings from the likes of Progressive, Geico, Allstate and State Farm. All the companies state the claim that you’ll save big if you change your coverage to them.

Is it even possible that every company can offer drivers better rates? This is how they do it.

Insurance companies require specific criteria for a prospective insured that earns them a profit. An example of a preferred risk might be described as between 25 and 40, has few claims, and drives less than 7,500 miles a year. Someone that meets those criteria will get the preferred rates and will also save if they switch.

Consumers who don’t meet this ideal profile will be charged a more expensive rate which usually ends up with the customer not buying. The trick is to say “people who switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can confidently state the savings. This emphasizes why drivers should get price quotes at each policy renewal. It’s just not possible to know with any certainty which company will have the lowest rates.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Collision protection

This will pay to fix damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Jeep Wrangler.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like chiropractic care, rehabilitation expenses, funeral costs, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage will cover damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid, funeral expenses, repair costs for stationary objects and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix 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 protects against things like damage from getting keyed, vandalism and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

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Make an honest buck

You just read some good ideas how you can get a better price on 2017 Jeep Wrangler insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even find the lowest car insurance rates are with the least-expected company. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as Progressive and Geico.

Budget-conscious 2017 Jeep Wrangler insurance is possible online as well as from insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not provide online price quotes and these smaller providers only sell coverage through local independent agencies.

When you buy insurance online, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

More articles

• Insurance Losses by Make and Model (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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