View 2015 Jeep Renegade Insurance Cost

Searching for the cheapest auto insurance rates for your Jeep Renegade? Cutting costs on auto insurance can seem to be nearly impossible for beginners to buying insurance online. People have so many options that it can quickly become a big hassle to compare prices.

It’s smart to compare rates on a regular basis since rates go up and down regularly. Despite the fact that you may have had the best deal on Renegade coverage last year a different company probably has better rates today. There is a lot of bad advice regarding auto insurance online but with this article, you’re going to get some proven techniques to find affordable auto insurance.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. The purpose of this post is to familiarize you with how car insurance quotes work and some tricks to saving. Although drivers need to learn how companies market on the web and take advantage of how the system works.

Pay less by taking advantage of discounts

Auto insurance companies don’t always publicize all available discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.

  • No Accidents – Drivers who don’t have accidents pay less compared to frequent claim filers.
  • Auto/Life Discount – Some companies give a discount if you purchase auto and life insurance together.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Renegade coverage with certain companies.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.

Consumers should know that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

Companies that may offer these benefits are:

Check with every prospective company what discounts are available to you. Discounts may not apply in every state.

Factors that can influence Jeep Renegade insurance rates

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that could result in better auto insurance rates.

The list below includes a few of the “ingredients” that factor into premiums.

  • Do you have enough liability coverage? – The liability section of your policy will protect you in the event that you are found liable for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Men are more aggressive – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women have accidents at about the same rate, but the men cause more damage. Men also statistically get more serious tickets such as reckless driving. Young males tend to get in the most accidents and are penalized with high auto insurance rates.
  • Proper usage rating affects rates – Driving more miles each year the more you will pay for auto insurance. Most companies apply a rate based upon how you use the vehicle. Cars that are left in the garage qualify for better rates than those used for commuting. Having the wrong rating on your Renegade can cost quite a bit. Verify your auto insurance coverage properly reflects the proper vehicle usage.
  • Where you live – Being located in small towns and rural areas can be a good thing when buying auto insurance. Drivers who live in large cities have much more traffic and longer commute times. Less people living in that area means fewer accidents and a lower car theft rate.
  • Discounts for married couples – Having a spouse helps lower the price on your auto insurance policy. It is viewed as being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Better credit scores mean better rates – Credit score is a huge factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than drivers with lower ratings. So if your credit is low, you could potentially save money when insuring your 2015 Jeep Renegade by repairing your credit.
  • Rates may be higher depending on your occupation – Occupations like judges, architects and financial analysts have higher average rates in part from stressful work requirements and lots of time spent at work. Conversely, occupations such as farmers, engineers and retirees get better rates on Renegade coverage.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. Safer cars have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Jeep Renegade earned at least four stars on you may qualify for a discount.

Your coverage should be tailored to you

When buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions may help highlight whether or not you might need an agent’s assistance.

  • Is my babysitter covered when using my vehicle?
  • Will filing a claim cost me more?
  • Should I have combined single limit or split liability limits?
  • Should I buy full coverage?
  • What are the financial responsibility laws in my state?
  • What is UM/UIM insurance?
  • Is business property covered if stolen from my car?
  • At what point should I drop full coverage?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Drivers who switch save $398 a year? Really?

Companies like Progressive, Allstate and GEICO continually stream television and radio advertisements. All the ads have a common claim of big savings after switching your policy. How do they all make almost identical claims?

Different companies can use profiling for the type of driver they prefer to insure. A good example of a profitable customer could possibly be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who fits that profile will get the preferred rates and therefore will save when they switch companies.

Potential customers who don’t measure up to the requirements must pay higher prices which leads to business not being written. The ad wording is “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently advertise the way they do. This illustrates why you need to compare as many rates as you can. It’s not possible to predict the company that will fit your personal profile best.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like prosthetic devices, doctor visits, chiropractic care, EMT expenses and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as medical expenses, bail bonds, court costs, medical services and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This covers damage to your Renegade resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

At the end of the day…

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest price.

Drivers switch companies for any number of reasons including delays in paying claims, high prices, policy cancellation and even questionable increases in premium. No matter why you want to switch, choosing a new insurance company can be less work than you think.

We just presented quite a bit of information on how to save on 2015 Jeep Renegade insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest premiums are with a smaller regional carrier.

More detailed insurance information can be read in the articles below: