Compare 2008 Jeep Wrangler Car Insurance Rates

Are you sick and tired of sacrificing other expenses to make your auto insurance payment? Your situation is no different than millions of other vehicle owners.

Insurance companies such as Progressive, GEICO and Farmers Insurance all claim big savings with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

You should take the time to take a look at other company’s rates at least once a year because prices trend upward over time. Despite the fact that you may have had the lowest rates on Wrangler insurance a couple years back a different company probably has better premium rates today. There is too much inaccurate information about auto insurance on the web, but by reading this article, you’re going to learn the best ways to find affordable auto insurance.

If you have car insurance now, you will most likely be able to save some money using these techniques. Finding the best rates is not rocket science. But drivers benefit from understanding the way companies sell online because it can help you find the best coverage.

Low cost insurance prices

There are multiple methods you can shop for insurance but there is one way that is easier and takes less work. You can spend countless hours driving to insurance agencies in your area, or you could use online quotes for quick rates.

All the larger companies take part in a program where insurance shoppers enter their coverage request one time, and each company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions to each company. To participate in this free quote system, click here to start a free quote.

The single downside to using this type of system is you can’t choose which carriers to receive prices from. So if you prefer to choose from a list of companies for rate comparison, we put together a list of low cost insurance companies in your area. View list of insurance companies.

Whichever method you choose, make darn sure you compare equivalent coverage limits for each price quote. If you are comparing unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Jeep Wrangler. Even a minor difference in limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes increases the change that you will find a lower rate. Some companies don’t provide price estimates online, so you should also compare rates from those companies as well.

Why informed drivers pay less for Jeep Wrangler insurance

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that help determine your premiums. If you have a feel for what impacts premium levels, this helps enable you to make changes that will entitle you to cheaper rates. Many things are used when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other criteria are more obscure like where you live or your financial responsibility.

The list below includes some of the items used by companies to determine prices.

  • Infrequent drivers can save – The higher the miles on your Jeep each year the higher your rates will be. Most insurance companies calculate rates based on how the vehicle is used. Autos left parked in the garage cost less to insure than vehicles that have high annual mileage. Verify your insurance declarations sheet shows the right rating data, because it can save money. Having the wrong rating on your Wrangler may be costing you.
  • Single vs. married – Your spouse may earn you lower rates when shopping for insurance. It means you’re less irresponsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • Youthful drivers cost more – Mature drivers tend to be more responsible, statistically cause fewer accidents .Drivers with little experience have been known to get distracted easily in a vehicle and because of this, their insurance rates are much higher.
  • Stay claim-free and reduce insurance rates – If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Car insurance companies give discounts to people who are claim-free. Insurance coverage is designed for more catestrophic claims.
  • Why do you need liability? – Liability insurance kicks in in the event that a jury decides you are liable for physical damage or personal injury to other. It will provide legal defense starting from day one. Liability is cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Add-on coverages can add up – There are a ton of additional coverages that can add up if you aren’t careful. Coverage for things like vanishing deductibles, death and dismemberment, and motor club memberships are examples of these. The coverages may be enticing when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.

Do you qualify for discount insurance coverage?

Some providers do not list all available discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known credits available to bring down your rates.

  • New Vehicle Savings – Insuring a new car is cheaper because new vehicles are generally safer.
  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies permit an accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.
  • Student Discounts – This discount may save you up to 25%. The good student discount can last until age 25.
  • Defensive Driver Discounts – Taking part in a defensive driving course could possibly earn you a 5% discount and also improve your driving technique.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase some life insurance in addition to your auto policy.
  • Federal Employees – Having worked for a branch of the government can save as much as 8% on Wrangler insurance with select insurance companies.
  • Discount for Passive Restraints – Factory air bags can get savings of more than 20%.
  • Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Discount for Multiple Policies – If you can combine your auto and home policy and insure them with the same company you may earn at least 10% off all policies.
  • Own a Home – Just being a homeowner may earn you a small savings because of the fact that having a home is proof of financial responsibility.

Don’t be shocked that some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will definitely lower your premiums.

Popular insurance coverage companies and their possible discounts are detailed below.

  • State Farm has discounts for good driver, multiple autos, multiple policy, safe vehicle, and good student.
  • Liberty Mutual includes discounts for exclusive group savings, multi-car, new graduate, newly retired, preferred payment discount, and new vehicle discount.
  • American Family may have discounts that include TimeAway discount, mySafetyValet, multi-vehicle, bundled insurance, good driver, Steer into Savings, and good student.
  • Progressive has savings for homeowner, multi-vehicle, multi-policy, online signing, and good student.
  • Farmers Insurance discounts include homeowner, good student, electronic funds transfer, early shopping, alternative fuel, and mature driver.
  • Auto-Owners Insurance offers discounts including student away at school, company car, air bags, paid in full, and paperless.
  • SAFECO policyholders can earn discounts including teen safe driver, bundle discounts, anti-theft, drive less, teen safety rewards, homeowner, and safe driver.

If you need lower rates, check with every insurance company which discounts can lower your rates. Savings might not apply in your area. If you would like to choose from a list of insurance companies with significant discounts, follow this link.

What insurance coverages do I need?

When buying the best auto insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you might need professional guidance.

  • Can I make deliveries for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • What is high-risk coverage and where do I buy it?
  • Is my custom paint covered by insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have coverage when using my vehicle for my home business?
  • What is the ISO rating for a 2008 Jeep Wrangler?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage options for a Jeep Wrangler

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Liability

This coverage protects you from damage or injury you incur to other people or property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision insurance

Collision insurance pays for damage to your Wrangler from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like prosthetic devices, nursing services, X-ray expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Jeep Wrangler.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, damage from getting keyed, theft and fire damage. The maximum amount 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 consider dropping full coverage.

Power to the consumer

In this article, we presented many ways to reduce 2008 Jeep Wrangler insurance premium rates online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets than the large multi-state companies such as GEICO and State Farm.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There have been many situations where drivers have reduced physical damage coverage to discover at claim time that it was a big mistake. Your goal should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

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