2014 Jeep Wrangler Car Insurance Cost – 5 Ideas for Best Prices

Want better insurance coverage rates for your Jeep Wrangler? Locating lower-cost insurance coverage might appear problematic for consumers new to comparing and buying insurance coverage on the web. With dozens of companies in the marketplace, how can drivers even start to compare every company to locate the best price?

It’s important to do price comparisons once or twice a year due to the fact that insurance rates change frequently. Just because you had the lowest premium rates on Wrangler insurance at your last renewal you may be paying too much now. Ignore everything you know about insurance coverage because we’re going to demonstrate the best way to properly buy coverages while reducing your premium.

Car insurance policy discounts

Auto insurance companies don’t always advertise every discount they offer in an easy-to-find place, so we break down a few of the more well known as well as some of the hidden ways to save on car insurance.

  • Smart Student Discounts – Being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
  • Paperwork-free – A handful of companies provide a small discount just for signing your application online.
  • Accident Free – Drivers who stay claim-free pay less compared to policyholders that have many claims.
  • Active Service Discounts – Being on active duty in the military may lower your prices slightly.

One last thing about discounts, most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, you won’t be that lucky.

Companies and a partial list of their discounts are included below.

  • Farmers Insurance has savings for early shopping, alternative fuel, business and professional, youthful driver, and bundle discounts.
  • State Farm may include discounts for defensive driving training, passive restraint, multiple autos, multiple policy, student away at school, Steer Clear safe driver discount, and good student.
  • Liberty Mutual may offer discounts for good student, multi-policy, newly retired, hybrid vehicle, multi-car, and newly married.
  • MetLife includes discounts for multi-policy, good driver, accident-free, good student, and defensive driver.
  • Progressive has discounts for multi-vehicle, good student, homeowner, online signing, continuous coverage, multi-policy, and online quote discount.

Before you buy a policy, ask each insurance company how you can save money. Some of the earlier mentioned discounts may not apply in your area.

How do I know if I need professional advice?

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can help discover whether you might need professional guidance.

  • Does my personal policy cover me when driving out-of-state?
  • How high should my medical payments coverage be?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need roadside assistance coverage?
  • Am I covered when delivering products for my home-based business?
  • How many claims can I have before being cancelled?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like doctor visits, chiropractic care, pain medications and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer, hitting a bird and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

Collision insurance pays for damage to your Wrangler caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, hitting a parking meter, colliding with another moving vehicle, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Liability coverage

This provides protection from damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, emergency aid, medical services, loss of income and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Have the Midas touch

Budget-friendly car insurance can be found from both online companies and from local insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. Some insurance providers don’t offer rate quotes online and most of the time these small, regional companies prefer to sell through independent agents.

When getting insurance coverage quotes online, make sure you don’t reduce needed coverages to save money. There are too many instances where an insured cut liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage at an affordable rate.

We just showed you a lot of techniques to save on 2014 Jeep Wrangler insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost insurance coverage. You may be surprised to find that the lowest prices come from the least-expected company.

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