2005 Jeep Wrangler Car Insurance Rates – 7 Tricks for Cheapest Quotes

Finding the cheapest insurance for your Jeep Wrangler can normally be difficult, but you can learn the following methods and make it easy. There are more efficient ways to shop for car insurance and we’ll show you the absolute fastest way to price shop coverage on a Jeep and find the lowest possible price from both online companies and local agents.

If you are insured now or are shopping for new coverage, you can use this information to find better prices while maintaining coverages. Finding affordable auto insurance coverage is not that difficult. Drivers only need an understanding of the proper methods to shop for auto insurance on the web.

The most recommended method to compare insurance rates in your area is to take advantage of the fact most insurance companies have advanced systems to compare their rates. The only thing you need to do is provide information like if you require a SR-22, level of coverage desired, how old drivers are, and how much school you completed. Your information is sent automatically to many different companies and they return rate quotes almost instantly.

Policy discounts you shouldn’t miss

Companies don’t always list all available discounts very well, so the following is a list of some of the more common and the more hidden ways to save on insurance. If you don’t get every credit possible, you’re just leaving money on the table.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Wrangler coverage than drivers with accident claims.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Wrangler coverage depending on your company.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Low Mileage – Fewer annual miles on your Jeep could be rewarded with better rates on cars that stay parked.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Memberships – Participating in certain professional organizations could trigger savings on your policy for Wrangler coverage.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, it doesn’t quite work that way.

To see a list of insurance companies who offer insurance discounts, click this link.

Insurance agents can help

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if you may require specific advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I sign the liability waiver when renting a car?
  • Does having multiple vehicles earn me a discount?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How much underlying liability do I need for an umbrella policy?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, fire damage, hitting a deer and vandalism. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses like pain medications, hospital visits, EMT expenses, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability

Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have 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 loss of income, court costs and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This pays for damage to your Wrangler from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Jeep Wrangler.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Feed the piggy bank

Low-cost 2005 Jeep Wrangler insurance is definitely available online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

People change insurance companies for a variety of reasons including poor customer service, not issuing a premium refund, extreme rates for teen drivers and even denial of a claim. No matter why you want to switch, switching insurance companies is not as difficult as it may seem.

We just showed you some good ideas how you can compare insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.

Additional insurance information can be read at these links: