2012 Jeep Wrangler Insurance Rates – 7 Savings Tips

Want better insurance coverage rates for your Jeep Wrangler? Buying cheap insurance coverage online can seem to be problematic for consumers new to shopping for insurance online. With so many online companies available, how can you even start to compare them all to find the cheapest available price?

It’s important to compare prices at least once a year because insurance rates change frequently. Even if you got the lowest rates on Wrangler insurance two years ago you may be paying too much now. Starting now, block out anything you think you know about insurance coverage because I’m going to teach you how to use the internet to remove unneeded coverages and save money.

More discounts equal less premium

Companies do not list all their discounts in a way that’s easy to find, so we researched both well-publicized and the more hidden savings tricks you should be using.

  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Save over 55 – If you’re over the age of 55, you may be able to get reduced rates on Wrangler insurance.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.
  • No Claims – Claim-free drivers can earn big discounts when compared with accident-prone drivers.

Drivers should understand that most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

A partial list of companies who might offer these benefits include:

Check with all companies you are considering which discounts you may be entitled to. Savings might not apply in your area.

It’s not one size fits all

When it comes to buying adequate coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions can aid in determining if you might need professional guidance.

  • Do I really need UM/UIM coverage?
  • When would I need rental car insurance?
  • Does liability extend to a camper or trailer?
  • Is other people’s property covered if stolen from my vehicle?
  • What are the financial responsibility laws in my state?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Are insurance coverage companies telling the truth?

Insurance coverage providers like State Farm, Allstate and GEICO regularly use ads on television and other media. They all make the same claim that you’ll save big if you move to their company. How do they all make the same claim?

All the different companies can use profiling for the right customer that is profitable for them. For example, a preferred risk could possibly be between 25 and 40, a clean driving record, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who do not match the requirements will be quoted more money which leads to the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save money. That is how insurance companies can make the claims of big savings. This emphasizes why you should get quotes from several different companies. Because you never know which company will fit your personal profile best.

Auto insurance policy coverages for a 2012 Jeep Wrangler

Knowing the specifics of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” 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.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses like surgery, prosthetic devices, pain medications and dental work. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision protection

This will pay to fix damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Liability car insurance

This coverage will cover injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses and emergency aid. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, hitting a bird, a broken windshield and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Buy online or local, you save

Consumers switch companies for many reasons like unfair underwriting practices, lack of trust in their agent, denial of a claim or policy cancellation. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

Cost effective 2012 Jeep Wrangler insurance can be purchased both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, you should never reduce needed coverages to save money. There are a lot of situations where someone dropped liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Additional detailed information is available at these sites: