2018 Jeep Wrangler JK Car Insurance Quotes – 7 Tricks for Best Rates

Consumers have lots of choices when looking for affordable Jeep Wrangler JK insurance. You can either waste hours contacting agents to compare prices or save time using the internet to make rate comparisons.

There are more efficient ways to find auto insurance online so you’re going to learn the quickest way to compare rates for a new or used Jeep and locate the cheapest rates from both online companies and local agents.

Consumers should take time to shop coverage around once or twice a year since prices are rarely the same from one policy term to another. Even if you think you had the lowest rates on Wrangler JK insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to eliminate unnecessary coverages and save money.

If you have insurance now or need new coverage, you can learn to find the best rates while maintaining coverages. The purpose of this article is to introduce you to the most effective way to quote insurance and some money-saving tips. Consumers only need to know the tricks to get comparison rates online.

How to get cheap auto insurance

Getting cheap 2018 Jeep Wrangler JK auto insurance pricing is an easy way to save money. The only thing you need to do is spend a little time to compare rate quotes online with multiple companies. Rate comparisons can be done by using one of the methods below.

Without a doubt, the easiest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating boring form submissions to each individual auto insurance company. In just a few minutes this one form compares rates from all major companies. This is by far the quickest method.
A more time consuming way to find lower rates consists of visiting the website of each company and request a quote. For sake of this example, let’s say you want to view quotes from Allstate, Liberty Mutual and GMAC. You would have to take the time to go to each site and type in your information over and over, which is why first method is reommended. To view a list of companies in your area, click here.

Take whichever approach you prefer, but make absolute certain that you use identical coverage information with every price quote. If your comparisons have higher or lower deductibles then you won’t be able to determine which rate is truly the best.

Discount auto insurance rates

Auto insurance is not an enjoyable expense, but you can get discounts that could help you make your next renewal payment. Some of these disounts will be visible at quote time, but some may not be applied and must be specifically requested prior to receiving the credit. If you do not check that you are getting every discount you deserve, you are not getting the best rate possible.

Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. The good student discount can last up to age 25.
Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a lower rate if you buy life insurance from them.
Multiple Vehicles – Buying insurance for several vehicles with one company can reduce the rates for all insured vehicles.
College Student – who live away from home to go to college and do not have a car can be insured at a reduced rate.
Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
Claim Free – Insureds who avoid accidents and claims get the best auto insurance rates when compared with accident-prone drivers.
Payment Method – By paying your policy upfront rather than paying in monthly installments you could save up to 5%.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, it’s just not the way it works.

If you would like to choose from a list of companies who offer auto insurance discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs might need professional guidance.

How can I force my company to pay a claim?
Am I covered if I break a side mirror?
Is my ex-spouse still covered by my policy?
What is UM/UIM insurance?
Do I have coverage if my license is suspended?
Should I file a claim if it’s only slightly more than my deductible?
Should I have combined single limit or split liability limits?
Why does it cost so much to insure a teen driver?
Can I drive in Mexico and have coverage?
Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Insurance policy coverages for a Jeep Wrangler JK

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, a tree branch falling on your vehicle, hitting a bird, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 2018 Jeep Wrangler JK.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses such as hospital visits, surgery and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage can cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles, attorney fees, medical services and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.