2011 Jeep Wrangler Car Insurance Rates – 10 Savings Tips

Scraping up a payment for overpriced Jeep Wrangler insurance can overdraw your savings account and put the squeeze on your family’s finances. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away.

You have multiple insurance companies to pick from, and although it’s a good thing to have multiple companies, so many choices can make it hard to compare company pricing.

The purpose of this post is to let you in on how car insurance quotes work and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these tips. But vehicle owners must know how companies price insurance differently and use this information to your advantage.

Automobile Insurance Quotes

There are a lot of ways you can shop for auto insurance but one way is easier and takes less work. You could waste time driving to agents in your area, or you can utilize online quoting to maximize your effort.

The majority of car insurance companies belong to an insurance system where prospective buyers submit one quote, and every company returns a competitive quote based on that data. This eliminates the need for repetitive form submissions for every auto insurance company.

To compare 2011 Jeep Wrangler rates now click here (opens in new window).

The one disadvantage to using this type of form is you cannot specify which providers to get pricing from. So if you want to choose from a list of companies to compare prices, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but compare the exact same information for each price quote. If you use different liability limits it will be impossible to truly determine the lowest rate. Having just a slight variation in limits may result in large price differences. It’s important to know that quoting more provides better odds of finding the best rates.

Save money by taking advantage of these ten discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically at the time you complete a quote, but less common discounts must be specially asked for before being credited.

  • Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums on Wrangler coverage.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Clubs and Organizations – Being a member of certain professional organizations could trigger savings on auto insurance on Wrangler coverage.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Wrangler coverage than drivers with accident claims.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Student in College – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

Keep in mind that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.

For a list of insurers with the best auto insurance discounts, click this link.

When should I use an insurance agent?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Is other people’s property covered if stolen from my vehicle?
  • When should I remove comp and collision on my 2011 Jeep Wrangler?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered by my spouse’s policy after a separation?
  • Am I getting all the discounts available?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses such as X-ray expenses, funeral costs, prosthetic devices and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Liability coverages

Liability insurance provides protection from damage or injury you incur to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: 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 means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, medical services and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, damage from getting keyed, rock chips in glass and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This pays for damage to your Wrangler resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Pennies from heaven

We covered a lot of information how to lower your 2011 Jeep Wrangler insurance rates. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the biggest savings come from the smaller companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. In many instances, an insured cut uninsured motorist or liability limits only to find out that it was a big error on their part. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Much more information about insurance coverage can be found below: