2018 Jeep Wrangler Car Insurance Cost

Looking for cheaper auto insurance rates for your Jeep Wrangler? No one in their right mind looks forward to buying auto insurance, particularly when their premiums are through the roof.

Vehicle owners have multiple car insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, more choices can make it harder to get the best deal.

You should make it a habit to price shop coverage quite often because auto insurance prices change regularly. Just because you found the best deal for Wrangler coverage at your last renewal other companies may now be cheaper. Don’t believe everything you read about auto insurance out there, but in a few minutes you can learn some guaranteed methods to stop overpaying for insurance.

Finding more affordable auto insurance is simple if you know the tricks. Basically, every vehicle owner who is shopping for auto insurance stands a good chance to be able to find lower rates. But car owners need to learn how companies price insurance differently.

How you can control Jeep Wrangler insurance costs

Multiple criteria are part of the equation when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are not quite as obvious like your vehicle usage or your vehicle rating.The best way to find cheaper insurance coverage is to take a look at the factors that help calculate your policy premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that could help you find lower rates.

The items below are a few of the “ingredients” used by your company to calculate your prices.

  • Defend yourself with liability protection – A critical coverage on your policy, liability insurance is the protection if you are ruled to be at fault for causing damage or personal injury in an accident. It provides for a legal defense to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Good drivers pay less – Good drivers tend to pay less for car insurance than bad drivers. Having a single driving citation may cause rates to rise substantially. People who have dangerous violations such as DWI, reckless driving or hit and run convictions might be required by their state to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.
  • Your career may increase insurance coverage rates – Careers such as doctorsair traffic controllers and dentists are shown to have higher rates than the rest of us in part from intense work-related stress and long work hours. On the flip side, occupations like scientists, historians and retirees get better rates for Wrangler coverage.
  • Policy add-ons may be wasting money – There are a ton of extra bells and whistles that may not really be needed on your insurance coverage policy. Things like rental car coverage, accidental death, and term life insurance may be costing you every month. They may sound like good ideas when buying your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Save by driving less – The higher the mileage driven every year the more you will pay for insurance coverage. The majority of insurers calculate rates based upon how the vehicle is primarily used. Cars and trucks that have low annual miles receive better premium rates than vehicles that have high annual mileage. Improper usage on your Wrangler may be wasting your money. It’s a smart idea to ensure your insurance coverage policy is showing the proper vehicle usage.

Shop car insurance online

When looking for cheaper insurance coverage quotes, there are a couple ways to compare rate quotes from many car insurance companies in your state. By far the easiest way to compare rates involves getting comparison quotes online. It’s really quite simple and can be done using a couple different methods.

  1. The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing boring form submissions to each individual car insurance company. One form submission gets prices estimates from multiple low-cost companies.
  2. A more time consuming way to find better pricing is going to the website for each individual company and request a quote. For example, let’s say you want rates from Liberty Mutual, GEICO and Allstate. In order to get each rate, you would have to spend time going to each site individually to enter the same coverage data repeatedly, which can take a lot of time. For a handy list of car insurance company links in your area, click here.
  3. The last method to comparison shop rate quotes to each insurance agency near you. The fact that you can get quotes online has made agencies unnecessary unless you want the peace of mind of a local agency. However, consumers can comparison shop your insurance online but have your policy serviced through an agent.

Whichever method you choose, try to keep equivalent deductibles and coverage limits for each price quote. If you enter different deductibles it will be nearly impossible to find the best deal for your Jeep Wrangler. Having just a slight variation in coverages may cause a big price difference. And when comparing car insurance rates, know that making a lot of price comparisons helps increase your odds of locating the best offered rates. Some insurance companies are not set up to provide online quotes, so it’s important to also get price estimates on coverage from those companies, too.

Insurance coverage quotes and discounts

Car insurance companies don’t always list all their discounts very well, so we researched some of the best known and the harder-to-find credits available to you.

  • Low Miles Discount – Low annual miles could be rewarded with lower premium rates due to less chance of an accident.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a small discount on rates for Wrangler coverage.
  • Seat Belts Save – Forcing all vehicle occupants to use a seat belt could save 15% on medical payment and PIP coverage.
  • Resident Student – College-age children living away from home attending college and leave their car at home could get you a discount.
  • Defensive Driver – Completing a defensive driving class could earn you a small percentage discount and make you a better driver.
  • Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
  • Government Employees – Active or retired federal employment could qualify for a slight premium decrease for Wrangler coverage depending on your insurance coverage provider.

As a footnote on discounts, some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you aren’t that lucky.

A few popular companies and a summarized list of policyholder discounts are included below.

  • Mercury Insurance offers discounts including good student, anti-theft, multi-policy, good driver, low natural disaster claims, and age of vehicle.
  • Farmers Insurance includes discounts for switch companies, teen driver, business and professional, electronic funds transfer, and pay in full.
  • Farm Bureau has discounts for 55 and retired, youthful driver, safe driver, renewal discount, multi-policy, good student, and driver training.
  • State Farm offers discounts for Drive Safe & Save, good student, student away at school, multiple policy, driver’s education, and good driver.
  • Allstate may offer discounts for farm vehicle, multi-policy, good payer, premier plus, FullPay discount, and economy car.
  • GEICO policyholders can earn discounts including military active duty, seat belt use, membership and employees, good student, and federal employee.

When comparing rates, check with all the companies how you can save money. Discounts may not be available in every state. To choose insurers with the best insurance coverage discounts, click here.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • How does medical payments coverage work?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my personal policy cover me when driving out-of-state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When should my teen driver be added to my policy?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Coverages available on your policy

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for things like doctor visits, dental work, X-ray expenses, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, damage from a tornado or hurricane, damage from getting keyed, hail damage and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, rolling your car, hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverages

Liability insurance provides protection from damage or injury you incur to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like funeral expenses, repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

One last thing

We just presented a lot of information how to get a better price on 2018 Jeep Wrangler insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from some of the lesser-known companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at a price you can afford, not the least amount of coverage.

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