2018 Jeep Wrangler Insurance Rates – 6 Tips to Save

Buyers have a choice when searching for the lowest priced Jeep Wrangler insurance. You can either spend your time contacting agents to compare prices or use the internet to compare rates.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the quickest way to get price quotes on a Jeep and find the lowest possible price.

If you are insured now or are shopping for new coverage, you will benefit by learning to cut your premiums while maximizing coverage. The purpose of this article is to instruct you on how to effectively get price quotes. Consumers just need to learn the most effective way to get comparison quotes online.

How to compare auto insurance price quotes

There are a variety of methods to compare auto insurance prices and some are more efficient than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can utilize the web to get pricing more quickly.

All the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company then returns a price quote based on that information. This eliminates the need for quote forms to each company. To submit your quote information now, click to open in new window.

The one downside to doing it this way is you cannot specify which carriers to get pricing from. So if you prefer to choose individual companies to receive pricing from, we have a page of low cost auto insurance companies in your area. View list of insurance companies.

Compare rates however you want, just make sure you are using equivalent coverages for each price quote. If the quotes have differing limits it will be impossible to decipher which rate is best.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

What is medical payments coverage?
Do I pay less if my vehicle is kept in my garage?
Is borrowed equipment or tools covered if stolen or damaged?
If my 2018 Jeep Wrangler is totaled, can I afford another vehicle?
Can I still get insurance after a DUI?
Am I covered if I hit my neighbor’s mailbox?
Am I better off with higher deductibles on my 2018 Jeep Wrangler?
Do I need PIP coverage since I have good health insurance?
Do I need roadside assistance coverage?
What happens if I owe more than my 2018 Jeep Wrangler is worth?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Specific coverages for a Jeep Wrangler

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Auto liability

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by 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 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 property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, loss of income and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

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

Collision coverage protects against claims such as driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like chiropractic care, surgery, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Jeep Wrangler.

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 very important. Frequently these limits are set the same as your liablity limits.