View 2017 Jeep Renegade Insurance Rates

Are you irritated from not being able to afford to insure your Jeep every month? Your situation is no different than the majority of other drivers. Insurance companies such as Progressive, GEICO and Farmers Insurance all promote huge savings with advertising and it can be hard to separate fact from fiction and take the time to shop coverage around.

It’s smart to quote other rates before your policy renews because prices change quite often. Just because you found the lowest price for Renegade insurance two years ago you can probably find a better rate quote now. You’ll find quite a bit of inaccurate information about insurance coverage online, but we’re going to give you some great ways to stop overpaying for insurance.

If you have a policy now or are looking for a new policy, you can learn to find the best rates and still get good coverage. Finding the best rates is not rocket science. Drivers only need an understanding of the proper methods to buy car insurance on the web.

Lower rates by qualifying for discounts

Some insurance providers don’t always advertise their entire list of discounts in a way that’s easy to find, so below is a list a few of the more common as well as the least known discounts you could be receiving when you buy car insurance online.

  • Drive Less and Save – Driving fewer miles could qualify for better prices on cars that stay parked.
  • Life Insurance – Larger insurance companies have a small discount if you purchase a life insurance policy as well.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off the medical payments premium.
  • Accident Forgiveness – Not a discount per se, but a handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • E-sign – Some companies provide a small discount just for signing your application over the internet.
  • Claim-Free Discount – Drivers who don’t have accidents have much lower rates as opposed to bad drivers.
  • Anti-lock Brake Discount – Cars with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Telematics Data – Insureds that choose to allow companies to spy on driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • Responsible Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Renegade insurance than less cautious drivers.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, you’re out of luck.

The best insurance companies and a summarized list of policyholder discounts are detailed below.

  • GEICO has savings for federal employee, air bags, anti-theft, anti-lock brakes, defensive driver, emergency military deployment, and good student.
  • MetLife may include discounts for defensive driver, claim-free, good student, good driver, multi-policy, and accident-free.
  • Progressive offers discounts including multi-policy, online quote discount, good student, homeowner, multi-vehicle, and continuous coverage.
  • Travelers policyholders can earn discounts including IntelliDrive, home ownership, multi-policy, driver training, and payment discounts.
  • SAFECO offers premium reductions for safe driver, drive less, teen safe driver, bundle discounts, and homeowner.
  • AAA includes discounts for education and occupation, good driver, multi-car, pay-in-full, and anti-theft.

When quoting, ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders in your area.

How to buy car insurance online

Most larger insurance companies allow you to get prices directly from their websites. This process is quite simple as you just enter your coverage preferences as requested by the quote form. Upon sending the form, their quoting system will order your driving and credit reports and returns a price based on many factors. Quoting online makes it simple to compare prices but the time it takes to visit different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to find lower prices.

A less time-consuming method to find better car insurance pricing makes use of a single form that gets prices from multiple companies. It saves time, requires less work, and makes quoting online much more enjoyable and efficient. After sending your information, it gets priced with multiple companies and you can pick your choice of the quotes returned. If the quotes result in lower rates, you simply finish the application and buy the policy. It just takes a couple of minutes and you’ll know if lower rates are available.

If you want to find out how much you can save on car insurance, click here and fill out the form. If you have your current policy handy, we recommend you enter the coverages exactly as they are listed on your policy. This guarantees you will be getting comparison quotes for exact coverage.

Informed drivers can cut their insurance rates

Lots of things are taken into consideration when you quote your car insurance policy. Some are pretty understandable like your driving record, but other factors are less apparent such as your credit history or your financial responsibility.

  • Deter theft and pay less – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all hinder your vehicle from being stolen.
  • Marriage is a good thing – Walking down the aisle may cut your premiums on your insurance coverage bill. It demonstrates that you tend to be more responsible and it’s proven that being married results in fewer claims.
  • Reserve claims for larger damages – Companies award most affordable rates to policyholders who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Younger drivers pay higher premiums – Older drivers are more cautious drivers, cause fewer claims and accidents , and usually have better credit.Young drivers are statistically proven to be inattentive and easily distracted in a vehicle so insurance coverage rates are higher.
  • Policy add-ons could be costing you – Insurance policies have a lot of extra add-on coverages that sound like a good idea at the time on your Renegade policy. Insurance for rental car coverage, death and dismemberment, and Farm Bureau memberships may not be needed and are just wasting money. They may seem like a good idea when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.
  • Gender matters – Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Both sexes tend to get into auto accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DWI (DUI) or reckless driving.

Auto insurance is unique, just like you

When it comes to choosing the best auto insurance coverage, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

  • Is my 2017 Jeep Renegade covered for smoke damage?
  • Should I rate my 2017 Jeep Renegade as pleasure use or commute?
  • Do I have coverage when making deliveries for my home business?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my camper covered by my car insurance policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need roadside assistance coverage?
  • When can I cancel my policy?
  • Should I waive the damage coverage when renting a car?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Auto insurance coverage basics

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Liability car insurance

Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like structural damage, legal defense fees and bail bonds. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, damage from flooding and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance covers damage to your Renegade resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Jeep Renegade.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, nursing services, dental work, X-ray expenses and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Compare but don’t skimp

You just read a lot of techniques to save on 2017 Jeep Renegade insurance. The key concept to understand is the more providers you compare, the better likelihood of getting cheaper car insurance. You may even find the biggest savings come from some of the lesser-known companies. These smaller insurers can often provide lower car insurance rates in certain areas than their larger competitors like State Farm or Progressive.

When shopping online for insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped physical damage coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.

More detailed insurance coverage information is located in the articles below: