Cheap 2014 Jeep Wrangler Insurance Quotes

Want cheaper car insurance rates for your Jeep Wrangler? Nobody I know cherishes buying car insurance, in particular when the price is too high. There are many insurance companies to buy insurance from, and even though it’s nice to have a choice, lots of choices makes it harder to locate the cheapest rates.

How to Compare Auto Insurance Costs

All the larger auto insurance companies such as Allstate and Progressive give prices for coverage directly from their websites. Getting quotes doesn’t take a lot of time as you simply type in your coverage preferences as detailed in the form. When complete, the company’s rating system sends out for your driving record and credit report and returns a price quote determined by many factors. Quoting online makes it a lot easier to compare rates but the time required to go to a lot of sites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to get the lowest possible prices on auto insurance.

A less time-consuming method to compare auto insurance pricing utilizes a single form that gets prices from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much easier to do. As soon as you send your information, it gets priced with multiple companies and you can pick any of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to find out how much you can save on auto insurance, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you type in deductibles and limits identical to your current policy. Doing this guarantees you will have an apples-to-apples comparison for similar coverage.

Pay less by taking advantage of discounts

Car insurance companies don’t always publicize every discount very well, so here is a list some of the best known and also the lesser-known ways to save on insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • New Car Discount – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • College Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Memberships – Belonging to a qualifying organization could trigger savings when shopping for insurance on Wrangler insurance.
  • Defensive Driver – Successfully completing a course in driver safety can save you 5% or more if you qualify.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

Companies that may offer these money-saving discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts may not be available everywhere.

Your coverage should be tailored to you

When it comes to choosing coverage, there is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Do I really need UM/UIM coverage?
  • Why do I need rental car insurance?
  • Do I need an umbrella policy?
  • What is no-fault insurance?
  • Is my 2014 Jeep Wrangler covered for smoke damage?
  • What if I total my 2014 Jeep Wrangler and owe more than it’s worth?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about 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 only takes a few minutes and you can get the answers you need.

These factors can influence Jeep Wrangler insurance rates

Smart consumers have a good feel for the rating factors that help determine your insurance coverage rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in lower insurance coverage prices.

The following are some of the factors used by your company to calculate premiums.

  • Multi-policy discounts can save money – Some insurers will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare rates to verify if the discount is saving money. Drivers may still find a better deal by buying insurance coverage from a different company.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Jeep Wrangler is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Protect yourself with liability coverage – The liability section of your policy will protect you if ever a jury decides you are liable for damages from an accident. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Bad driving skills means higher rates – Your driving citation history has a big impact on rates. Just one citation may increase your cost forty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Males pay more for insurance – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men are in accidents in similar percentages, but men cause more damage. Men also receive more costly citations like DUI and reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Marriage brings a discount – Having a spouse helps lower the price on your insurance coverage policy. Having a spouse is viewed as being more responsible it has been statistically shown that married couples file fewer claims.
  • Clean credit earns discounts – Credit score is a large factor in determining what you pay for insurance coverage. People with excellent credit tend to be more responsible than drivers who have lower credit ratings. If your credit history is low, you could potentially save money when insuring your 2014 Jeep Wrangler by repairing your credit.
  • Lower rates with optional equipment – Owning a car with an alarm system can save you a little every year. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.

Do drivers who switch really save $400 a year?

Consumers can’t get away from ads for cheaper car insurance from the likes of Allstate and Progressive. They all have a common claim that you can save if you move your coverage to them.

How does each company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the driver they prefer to insure. An example of a desirable insured could be between the ages of 40 and 55, has no prior claims, and drives less than 7,500 miles a year. A driver who fits that profile will get the preferred rates and therefore will save a lot of money.

Potential customers who don’t qualify for this ideal profile must pay a higher premium which leads to business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can make the claims of big savings. This illustrates why it is so important to get a wide range of price quotes. It’s just too difficult to predict which auto insurance company will have the lowest Jeep Wrangler insurance rates.

Specific coverages for a 2014 Jeep Wrangler

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for funeral costs, pain medications and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as bail bonds, medical expenses and emergency aid. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, fire damage and a broken windshield. The maximum payout you’ll receive from a 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.

Coverage for collisions

This pays for damage to your Wrangler from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2014 Jeep Wrangler.

Due to the fact that 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.

Affordable insurance is out there

We just showed you a lot of ways to reduce 2014 Jeep Wrangler insurance prices online. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest premiums are with some of the smallest insurance companies. They can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.

As you shop your coverage around, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at an affordable rate.

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