How Much Does 2011 Jeep Wrangler Insurance Cost?

Trying to find lower auto insurance rates for your Jeep Wrangler? Are you a victim of overpriced auto insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Companies like State Farm, Farmers Insurance, Geico and Allstate promote their brand names with ads and it is difficult to see through the deception and do the work needed to find the best deal.

Auto Insurance Prices

Comparing auto insurance rates is a ton of work if you don’t understand the most efficient way to do it. You could waste time talking about coverages with local insurance agents in your area, or you could use online quotes to get pricing more quickly.

All the larger companies participate in an industry program that enables customers to enter their policy data once, and each participating company then returns a price quote based on that information. This eliminates the need for quote forms to each individual auto insurance company.

To use this form to compare 2011 Jeep Wrangler insurance rates click here to open in new window.

One minor caviat to comparing rates this way is buyers cannot specifically choose which providers you will receive quotes from. So if you want to choose specific providers to compare prices, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use apples-to-apples coverages and limits with each company. If you have differing limits you can’t possibly determine the best price for your Jeep Wrangler.

How to reduce Jeep Wrangler insurance rates

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Most are applied when you complete an application, but less common discounts must be inquired about before being credited. If you aren’t receiving every discount available, you are throwing money away.

  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Life Insurance Discount – Larger companies have a discount if you purchase a life insurance policy as well.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Driver Safety – Taking a defensive driving course could save 5% or more depending on where you live.
  • Early Signing – Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
  • Sign Online – A handful of insurance companies will give a small break simply for signing online.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.

Consumers should know that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will cut your overall premium however.

A partial list of companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts they offer. Discounts may not be available in every state.

Why your Jeep Wrangler insurance rates may be high

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for insurance. When you know what positively or negatively determines base rates enables informed choices that can help you get big savings.

  • Choose a safe vehicle and save – Safer cars are cheaper to insure. Safer cars protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you. If the Jeep Wrangler is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered are colliding with a building, vandalism, and windstorm damage. The more the insured has to pay upfront, the less your company will charge you for insurance for Wrangler insurance.
  • Consolidate policies to earn discounts – The majority of insurers will give a discount to customers who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare rates to verify if the discount is saving money. Consumers may find a better deal by buying insurance from more than one company.
  • Car features impact rates – Owning a car with a theft deterrent system can get you a discount on your insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Occupation reflects on rates – Occupations like real estate brokers, social workers and dentists have the highest average rates in part from high stress and lots of time spent at work. Other occupations such as pilots, historians and retirees get better rates for Wrangler insurance.
  • Don’t cancel a policy without a new one in place – Driving with no insurance can get your license suspended and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
  • The more you drive the more you pay – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your insurance declarations sheet shows the correct usage for each vehicle. Incorrect usage on your Wrangler may be costing you.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation could use an agent’s help.

  • How much underlying liability do I need for an umbrella policy?
  • If my pet gets injured in an accident are they covered?
  • What exactly is covered by my policy?
  • Do I have coverage if my license is suspended?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I better off with higher deductibles on my 2011 Jeep Wrangler?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Car insurance coverage considerations

Learning about specific coverages of car insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by car insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for dental work, X-ray expenses, funeral costs, chiropractic care and surgery. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive car insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, fire damage, vandalism, theft and falling objects. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. It 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. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, pain and suffering, court costs, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Wrangler.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.

Collision protection

This coverage covers damage to your Wrangler resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

In conclusion

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best price.

We just showed you some good ideas how to save on 2011 Jeep Wrangler insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets compared to the large companies like Geico and State Farm.

Discount insurance is possible both online and with local insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Much more information about auto insurance is available at these links: