Jeep Wrangler Insurance – 9 Discounts You May be Missing

Shoppers have options when shopping for affordable Jeep Wrangler insurance. They can either waste time calling around trying to get quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to buy car insurance and we’ll show you the proper way to price shop coverage for your Jeep and get the best price possible.

You need to compare prices once or twice a year since rates fluctuate regularly. Despite the fact that you may have had the best deal on Wrangler coverage on your last policy a different company probably has better rates today. So just block out anything you think you know about car insurance because we’re going to show you the tricks you need to know to remove unneeded coverages and save money.

Are you getting all your discounts?

Companies offering auto insurance do not advertise every discount very well, so we break down both the well known as well as the least known ways to save on car insurance.

• Bundle and Save – When you have multiple policies with one company you will save 10% to 20% off each policy.
• Air Bag Discount – Vehicles with factory air bags can get savings up to 30%.
• College Student – Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
• No Charge for an Accident – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims prior to the accident.
• Low Mileage – Keeping the miles down on your Jeep could be rewarded with better rates on cars that stay parked.
• No Claims – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.
• Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
• Early Signing – Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.
• Organization Discounts – Affiliation with a civic or occupational organization could qualify you for a break when buying car insurance on Wrangler coverage.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

To choose providers with the best car insurance discounts, click here to view.

What about using a local agent?

A small number of people just want to talk to a local agent and that is a personal choice. The biggest benefit of comparing rates online is you may find the best rates but also keep your business local.

By using this simple form, your insurance data is submitted to companies who will return price quotes for your business. There is no reason to leave your computer since price quotes are sent to your email. Now that’s easy! You can find the lowest rates and work with a local agent.

Choosing an provider should depend on more than just the premium amount. These questions are important to ask:

• Does the agency have a good rating with the Better Business Bureau?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• If you are a high risk driver, do they have special markets for your coverage?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• How long have they worked with personal auto insurance coverage?
• Which members of your family are coverage by the policy?

Multiple types of insurance agencies

If you’re trying to find local agents, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Agents are categorized either independent or captive.

Captive Agents

Captive agencies have only one company to place business with such as Allstate, State Farm and Farmers Insurance. These agents are not able to place coverage with different providers so keep that in mind. These agents are trained well on their company’s products which helps them compete with independent agents. Consumers sometimes choose to use a captive agent primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Independent Agencies or Brokers

Independent agencies are not employed by any specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing rates, you should always include multiple independent agents to get the best comparison.Most can insure with smaller companies which may provide better rates.

To view a complete directory of car insurance agents, visit this page.

Once you have received satisfactory answers and locked in a price quote, chances are good that you have found an auto insurance agent that is a good match to provide car insurance coverage.

Save $474 a year. For real?

Companies like Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads make the same claim that you can save if you switch to their company. How do they all claim to save you money?

All companies have a preferred profile for the type of driver they prefer to insure. For instance, a driver they prefer might be between 25 and 40, is a homeowner, and has a short commute. Any new insured who meets those qualifications receives the best rates and as a result will probably save a lot of money.

Potential customers who don’t qualify for the requirements will have to pay higher premiums which leads to business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save money. This is how insurance companies can confidently make those claims. Because of the profiling, it is so important to get as many comparisons as possible. It’s impossible to know which company will have the lowest rates.

Information about specific coverages

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, sustaining damage from a pot hole, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Liability coverages

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like emergency aid, court costs, attorney fees and bail bonds. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage 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.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like chiropractic care, rehabilitation expenses, hospital visits and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, vandalism, hitting a bird and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More comparisons equals lower rates

Cheap Jeep Wrangler insurance is available online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We just presented some good ideas how you can get a better price on Jeep Wrangler insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with a smaller regional carrier.

People switch companies for many reasons like being labeled a high risk driver, high rates after DUI convictions, lack of trust in their agent or even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.