Compare 2014 Jeep Wrangler Insurance Rates

Finding cheaper insurance for a Jeep Wrangler could be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to buy auto insurance and we’ll show you the quickest way to quote coverages on a Jeep and get the cheapest rates.

If you have insurance now or are just looking to switch companies, you can use these tips to cut your premiums and possibly find even better coverage. Shopping for more affordable protection is easy if you know what you’re doing. Consumers just need to know the most efficient way to buy insurance online.

How to reduce 2014 Jeep Wrangler insurance rates

Insuring your fleet can be pricey, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be asked about prior to getting the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Claim Free – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • Paperwork-free – Certain companies will give a small break just for signing your application digitally online.
  • Defensive Driver – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will help reduce the amount you have to pay.

For a list of insurance companies with discount insurance rates, click here to view.

Factors that can influence insurance rates for a Jeep Wrangler

Smart consumers have a good feel for the rating factors that come into play when calculating insurance coverage rates. When you know what positively or negatively determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Bad driving skills means higher rates – Your driving record has a big impact on rates. Even a single citation can boost insurance rates twenty percent or more. Careful drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • Little extras can really add up – There are quite a few add-on coverages you can purchase on your Wrangler policy. Insurance for vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • Do you know your deductibles? – Coverage for physical damage, also known as collision and other-than-collision, protects your Jeep from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, collision with an animal, or theft. Physical damage deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the lower your rates will be on Wrangler coverage.
  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both cause accidents in similar numbers, but men cause more damage. Men also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Older drivers save more – Older drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are statistically proven to get distracted easily behind the wheel and because of this, their insurance coverage rates are much higher.
  • Poor credit can mean higher rates – Your credit score is a huge factor in determining what you pay for insurance coverage. People with excellent credit tend to be more responsible than drivers with poor credit. If your credit rating is low, you could save money insuring your 2014 Jeep Wrangler by improving your credit score.
  • Rates may be lower depending on your job – Jobs such as lawyers, social workers and stock brokers tend to pay the highest rates attributed to high stress levels and long work hours. On the other hand, occupations such as pilots, students and the unemployed have the lowest average rates on Wrangler coverage.
  • Choose a safe vehicle and save – Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If the Jeep Wrangler has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might point out if your situation will benefit from professional help.

  • When does my teenage driver need to be added to my policy?
  • Why am I required to buy high-risk coverage?
  • When should I drop full coverage on my 2014 Jeep Wrangler?
  • What vehicles should carry emergency assistance coverage?
  • Do all my vehicles need collision coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Can my teen drive my company car?
  • How can I force my company to pay a claim?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

How can Allstate and Progressive save drivers who switch?

Consumers can’t get away from ads for the lowest price auto insurance by companies like Allstate and Progressive. All the ads have a common claim of big savings if you switch to them.

How does each company make the same claim? This is how they do it.

Insurance companies can use profiling for the type of driver that makes them money. A good example of a desirable insured could possibly be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. A propective insured who matches those parameters will get very good rates and therefore will cut their rates substantially.

Potential insureds who are not a match for this ideal profile will be quoted higher prices which leads to business not being written. The ad wording is “people who switch” not “people who quote” save that much. That’s why insurance companies can confidently make the claims of big savings.

This emphasizes why you absolutely need to quote coverage with many companies. It is impossible to predict which insurance companies will fit your personal profile best.

The coverage is in the details

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, rock chips in glass, fire damage, damage from getting keyed and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Jeep Wrangler.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like chiropractic care, surgery, funeral costs, nursing services and dental work. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability car insurance

This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

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. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Collision protection

This coverage will pay to fix damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Saving money makes a lot of cents

We just showed you many ideas to shop for 2014 Jeep Wrangler insurance online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the best prices are with a lesser-known regional company.

Low-cost insurance can be purchased both online and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some car insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

Insureds change insurance companies for a number of reasons such as delays in paying claims, denial of a claim, being labeled a high risk driver and unfair underwriting practices. Regardless of your reason for switching companies, finding a new company can be easier than you think.

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