2006 Jeep Wrangler Insurance Quotes

Are you a victim of an overpriced insurance coverage policy? Trust us, there are many people just like you.

Drivers have so many car insurance companies to buy insurance from, and although it’s a good thing to have a choice, it can be more difficult to find a good deal.

You should make it a habit to check insurance coverage prices every six months since insurance rates are adjusted regularly by insurance companies. Just because you found the lowest rates on Wrangler coverage on your last policy you may be paying too much now. Starting now, forget anything you know (or think you know) about insurance coverage because we’re going to show you the only way to lower your annual insurance bill.

Jeep Wrangler rates are in the details

It’s important that you understand the factors that go into determining the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Do you have a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Careers like judges, executives and dentists are shown to have the highest average rates because of stressful work requirements and lots of time spent at work. Other jobs such as actors, historians and homemakers pay the least on Wrangler coverage.
Protect your assets with liability insurance – The liability section of your policy is the protection if ever a court rules you are at fault for damages caused by your negligence. Liability provides legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
Mature drivers pay less – Older drivers tend to be more responsible, file fewer claims and get fewer tickets. Young drivers tend to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
Do you know your deductibles? – Deductibles for physical damage define the amount you are willing to pay in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and windstorm damage. The more the insured has to pay upfront, the less your auto insurance will be on Wrangler coverage.

Finding Insurance Coverage Deals

Shopping for lower insurance coverage rates can be a lot of work if you don’t utilize the best way to get rate quotes. You could spend your day discussing policy coverages with agents in your area, or you could use online quoting to get pricing more quickly.

All the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and every company can provide price quotes based on that information. This eliminates the need for quote forms for each company. To find out what other companies charge for 2006 Jeep Wrangler insurance click to open in new window.

The one disadvantage to comparing rates this way is you cannot specify the insurers you want to price. If you prefer to choose from a list of companies to compare rates, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits and deductibles for every company. If you compare higher or lower deductibles then you won’t be able to find the best deal for your Jeep Wrangler. Just a small difference in coverage limits can result in a big premium difference. It’s important to know that comparing more company’s prices will enable you to find the best price.

The fine print in auto insurance ads

Auto insurance providers like State Farm, Geico and Progressive constantly bombard you with ads on television and other media. They all make the same claim of big savings if you switch to their company. How does each company say the same thing? This is how they do it.

Insurance companies have a preferred profile for the driver that is profitable for them. An example of a driver they prefer might be profiled as between the ages of 30 and 50, has no prior claims, and drives newer vehicles. Any new insured who fits that profile is entitled to the best price and therefore will save when switching.

Consumers who don’t qualify for these standards will be quoted higher prices and this can result in the customer not buying. The ads say “customers who switch” not “everyone that quotes” save money. That is how companies can truthfully make the claims of big savings.

This emphasizes why you absolutely need to compare as many rates as you can. It is impossible to predict which company will have the lowest Jeep Wrangler insurance rates.

Don’t pay full price with these discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but a few must be asked about prior to receiving the credit.

Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
Paperless Signup – Certain companies may give you up to $50 for buying your policy digitally online.
Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
Clubs and Organizations – Participating in a professional or civic organization may earn a discount on car insurance on Wrangler coverage.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free car insurance policy, you’re out of luck. Any qualifying discounts will reduce your premiums.

To see a list of insurers with the best car insurance discounts, follow this link.

Your personal situation dictates your coverage

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation might need professional guidance.

Am I covered if I break a side mirror?
Should I carry comprehensive and collision coverage?
What is the rate difference between pleasure use and commuting?
Will I be non-renewed for getting a DUI or other conviction?
Can I drive in Mexico and have coverage?
Why do I need rental car insurance?
When would I need additional glass coverage?
Who is covered by my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverage options for a Jeep Wrangler

Knowing the specifics of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages offered by car insurance companies.

Auto liability

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, court costs and structural damage. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, 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.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses for things like funeral costs, dental work, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2006 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. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, falling objects, hitting a bird, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Buy Smart and Save

Lower-priced 2006 Jeep Wrangler insurance can be sourced both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

In this article, we presented a lot of information how to save on insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the most savings is with a small mutual company. Smaller companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

As you shop your coverage around, never reduce needed coverages to save money. Too many times, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.