Lower Your 2008 Jeep Wrangler Insurance Cost

Paying for high-priced Jeep Wrangler insurance can empty your personal savings and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to slash your bill and have more diposable income. Insurance companies such as Allstate, Progressive and GEICO increase brand awareness with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

Smart consumers take time to price shop coverage periodically since rates change frequently. Just because you had the best price on Wrangler insurance on your last policy you will most likely find a better rate today. Starting now, ignore everything you know about insurance because you’re about to learn how to quote online to remove unneeded coverages and save money.

Compare the Market for Insurance Coverage

Lowering your 2008 Jeep Wrangler insurance coverage rates isn’t really that difficult. Consumers just need to spend a little time getting comparison quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

One of the simplest ways consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing a different quote for each company. In just a few minutes this one form will return quotes from several companies.

A more time consuming way to compare rate quotes requires a visit to the website of each company and complete a new quote form. For instance, we’ll assume you want to compare Allstate, Safeco and Liberty Mutual. To find out each rate you need to go to every website and enter your information, which is why the first method is more popular.

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

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples information with each company. If you enter different limits and deductibles on each one it’s not possible to make an equal comparison.

These discounts can slash insurance coverage rates

Companies offering auto insurance don’t necessarily list every discount in a way that’s easy to find, so we researched both well-publicized and also the lesser-known insurance coverage savings. If you aren’t receiving every discount available, you are paying more than you should be.

  • Defensive Driver – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings on insurance coverage on Wrangler insurance.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • No Claims – Claim-free drivers pay less when compared to accident-prone drivers.
  • Drive Less and Save – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Sign Online – A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies that may have these benefits are:

Before buying, ask every prospective company which discounts they offer. All car insurance discounts might not be offered everywhere.

When might I need the advice of an agent?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might help in determining whether your personal situation could use an agent’s help.

  • Does my policy pay for OEM or aftermarket parts?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my nanny covered when driving my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is extra glass coverage worth it?
  • Am I covered if I hit a deer?
  • Am I better off with higher deductibles on my 2008 Jeep Wrangler?
  • Am I covered when using my vehicle for business?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage specifics

Knowing the specifics of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, rock chips in glass and theft. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for short-term medical expenses such as EMT expenses, doctor visits, funeral costs, pain medications and hospital visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims, 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 limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as bail bonds, pain and suffering, medical services, structural damage and emergency aid. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Collision – This coverage will pay to fix damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.