Compare 2015 Jeep Renegade Car Insurance Quotes

Paying cheaper coverage rates for insurance can be difficult for drivers who are new to shopping for insurance online. You have so many options available that it can turn into a lot of work to lower your prices.

It’s a great practice to get comparison quotes at least once a year because prices go up and down regularly. If you had the best rate for Renegade coverage a few years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because it’s time to teach you the tricks you need to know to find lower rates on insurance.

If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Pricing cheaper auto insurance is easy if you know what you’re doing. Nevertheless, car owners do need to understand how the larger insurance companies determine prices and apply this information to your search.

Compare free insurance coverage quotes

There are several ways of comparing price quotes from many different insurance companies. The best way to find the lowest 2015 Jeep Renegade rates is to jump online and get quotes. This is very easy and can be done using a couple different methods.

The simplest way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This style of form keeps you from doing separate forms for every prospective company. One quote request gets you price quotes direct from many companies. It’s the fastest way to compare.

A more time consuming way to compare rate quotes consists of going to each company’s website to request a price quote. For instance, we’ll assume you want to compare Liberty Mutual, 21st Century and Progressive. To do that, you would have to go to each individual site and type in your information over and over, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The final method to quote and compare insurance rates is to spend your day driving to all the different insurance agencies. The fact that you can get quotes online reduces the need to sit down with an agent unless your situation requires the trained advice that can only be provided by a licensed insurance agent. You can, however, obtain prices from the web but still have the advice of a local agent.

Which method you use is up to you, but be sure to compare exactly the same coverages and limits for every company. If you use differing limits it will be very difficult to find the best deal for your Jeep Renegade. Just slight variations in coverages can result in a big premium difference. And when price shopping your coverage, quoting more helps improve the odds of finding a lower rate.

Is there truth in advertising?

GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. All the companies try to convey promises that people will save just by moving your policy. How does each company charge less that you’re paying now? This is the trick they use.

Companies quote the lowest rates for the type of driver that earns them the most money. An example of a profitable insured could be a married male, owns their home, and drives a vehicle with a low ISO rating. A customer who meets those qualifications may get the lowest prices and will probably pay quite a bit less when switching companies.

Drivers who don’t measure up to those standards will be charged more expensive rates and this can result in the customer buying from a different company. The ads state “people who switch” not “everyone who quotes” save that much money. That’s why insurance companies can confidently claim big savings. Because each company has a different risk profile, it is so important to compare price quotes frequently. It is just not possible to predict which insurance companies will fit your personal profile best.

Discounts to earn affordable insurance coverage rates

Insurance coverage is expensive, but you might be missing out on some discounts that could help you make your next renewal payment. Most are applied at the time of quoting, but a few need to be requested specifically before you get the savings. If you aren’t receiving every discount you deserve, you could be saving more on your insurance coverage.

  • Multiple Policy Discount – If you have multiple policies and insure them with the same company you may save up to 20% and get you the cheapest car insurance.
  • More Vehicles More Savings – Purchasing coverage when you have multiple vehicles with the same company may reduce the rate for each vehicle.
  • Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote when compared to bad drivers.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.
  • Professional Organizations – Being a member of qualifying clubs or civic groups could trigger savings on insurance coverage.

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you can get free auto insurance, insurance coverage companies aren’t that generous.

Car insurance companies who may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each company or agent to give you their best rates. Some credits might not be offered on policies in your state. For a list of companies who offer cheap insurance coverage quotes, click here.

Tailor your car insurance coverage to you

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether or not you may require specific advice.

  • Is my babysitter covered when using my vehicle?
  • What can I do if my company denied a claim?
  • What are the best liability limits?
  • Is my teenager covered with friends in the car?
  • Is upholstery damage covered by car insurance?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverages explained

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time 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.

Liability coverage

This can cover damage or injury you incur to other’s property or people. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means 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 protects against things such as legal defense fees, repair bills for other people’s vehicles, emergency aid, medical services and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This 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 also any damage incurred to your Jeep Renegade.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

This coverage pays to fix your vehicle from damage 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 pays for claims like sideswiping another vehicle, crashing into a building, backing into a parked car, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as surgery, funeral costs, hospital visits and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Stretch your dollar

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed physical damage coverage and found out when filing a claim that it was a big error on their part. Your aim should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Drivers who switch companies do it for any number of reasons including delays in paying claims, not issuing a premium refund, high rates after DUI convictions and policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

In this article, we presented some good ideas how you can save on 2015 Jeep Renegade insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest car insurance. You may be surprised to find that the lowest priced insurance comes from an unexpected company.

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