2006 Jeep Wrangler Insurance Rates – 10 Tips to Save

Trying to find cheaper insurance for a Jeep Wrangler can normally be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to compare auto insurance rates and you need to know the absolute fastest way to quote coverages for a Jeep and obtain the lowest price.

The best way to compare rate quotes is to realize most of the bigger providers provide online access to compare their rates. The only thing you need to do is provide information including what your job is, distance driven, if you are currently licensed, and if you’re married. The rating information is instantly provided to multiple different insurance companies and they return rate quotes instantly.

But they said I’d save $412 a year!

Consumers can’t avoid all the ads for cheaper insurance coverage from companies such as GEICO, State Farm and Progressive. All the companies advertise claims that people will save if you get a free car insurance quote and switch to them.

How does every company save you money? This is the way they can do it.

Insurance coverage companies can use profiling for the type of driver that makes them money. For example, a profitable customer might be described as over the age of 50, has had continuous coverage, and drives newer vehicles. A customer who fits those characteristics will qualify for the lowest rates and will also save some money.

Potential insureds who are not a match for this stringent profile may receive a higher premium which leads to the customer buying from someone else. If you pay attention, the ads say “people who switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can state the savings.

This emphasizes why it is so important to compare quotes as often as possible. It’s just too difficult to predict the company that will have the best car insurance rates at this point in time.

Verify you’re earning every discount

Buying auto insurance is not cheap, but you might find some hidden discounts to reduce the price significantly. Many of these discounts will be applied automatically at quote time, but some discounts are required to be manually applied prior to receiving the credit.

  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • ABS Braking Discount – Vehicles with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Buy New and Save – Buying auto insurance coverage on a new vehicle can be considerably cheaper because newer vehicles keep occupants safer.
  • Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote as compared to accident-prone drivers.
  • Early Signing – A few larger companies give discounts for buying a policy prior to the expiration date on your current policy. This can save 10% or more.
  • Defensive Driver Discounts – Completing a safe driver class could possibly earn you a 5% discount if your company offers it.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.
  • Telematics Data – Insureds that choose to allow companies to spy on vehicle usage by using a telematic data system such as State Farm’s In-Drive could save a few bucks if they have good driving habits.
  • Low Mileage – Maintaining low annual mileage can qualify you for discounted rates on garaged vehicles.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.

Discounts lower rates, but some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though you would think adding up those discounts means a free policy, you’re out of luck.

Larger auto insurance companies and some of the discounts can be found below.

  • State Farm discounts include accident-free, anti-theft, passive restraint, student away at school, and safe vehicle.
  • Liberty Mutual policyholders can earn discounts including good student, new move discount, preferred payment discount, multi-policy, and exclusive group savings.
  • American Family may include discounts for defensive driver, Steer into Savings, accident-free, mySafetyValet, and multi-vehicle.
  • Progressive includes discounts for multi-vehicle, online quote discount, good student, continuous coverage, and multi-policy.
  • Farmers Insurance offers discounts including pay in full, multi-car, switch companies, homeowner, electronic funds transfer, business and professional, and good student.
  • Auto-Owners Insurance has discounts for group or association, multi-policy, good student, safe driver, and anti-theft.
  • SAFECO may offer discounts for multi-car, drive less, safe driver, teen safe driver, teen safety rewards, homeowner, and accident prevention training.

It’s a good idea to ask every insurance company what discounts are available to you. All car insurance discounts may not apply in your area. To see a list of insurance companies with discount auto insurance rates, follow this link.

When should I discuss my situation with an agent?

When choosing coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether your personal situation might need professional guidance.

  • Should I buy only the required minimum liability coverage?
  • Exactly who is provided coverage by my policy?
  • Do I need rental car coverage?
  • Does my car insurance cover rental cars?
  • Which companies will insure high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Learn about insurance coverages for a 2006 Jeep Wrangler

Understanding the coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, damage from flooding, vandalism, a broken windshield and hitting a deer. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability coverage can cover damage that occurs to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, repair costs for stationary objects, court costs and medical expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Uninsured and underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Jeep Wrangler.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for pain medications, dental work, funeral costs, prosthetic devices and hospital visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle, scraping a guard rail, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Do the work, save more money

Some insurance companies do not offer online price quotes and these regional insurance providers only sell through local independent agents. Cheaper insurance is definitely available online as well as from insurance agents, and you should be comparing both to have the best rate selection.

In this article, we presented many tips how you can reduce 2006 Jeep Wrangler insurance car insurance rates online. The key thing to remember is the more providers you compare, the higher your chance of finding cheaper car insurance. Consumers may even find the best price on insurance is with a small mutual company.

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Much more information about insurance can be read at these links: