Are you sick and tired of being strong-armed to insure your Jeep every month? You are in the same boat as millions of other consumers. Lots of insurers contend for your insurance dollar, and because of this it can be hard to compare insurers to find the absolute lowest cost out there.
It’s smart to price shop coverage every six months because insurance rates trend upward over time. Just because you had the best rates for Wrangler insurance a year ago there is a good chance you can find better rates now. So ignore everything you know about insurance coverage because you’re going to learn how to use online quotes to lower your annual insurance bill.
The price of auto insurance can be rather high, but you may find discounts that many people don’t even know exist. Some discounts apply automatically at the time of purchase, but a few need to be specifically requested in order for you to get them. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.
To see a list of insurers with the best auto insurance discounts, click here to view.
Drivers can’t get away from ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. They all say the same thing that you can save if you change to them.
How does each company say the same thing? It’s all in the numbers.
All the different companies can use profiling for the driver that makes them money. For example, a driver they prefer could be over the age of 40, has no driving citations, and has excellent credit. A propective insured who matches those parameters is entitled to the best price and most likely will save quite a bit of money when switching.
Drivers who are not a match for this ideal profile will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can claim big savings.
That is why you need to get quotes from several different companies. It’s not possible to predict which auto insurance company will give you the biggest savings on Jeep Wrangler insurance.
When it comes to buying the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if your insurance needs might need professional guidance.
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.
Having a good grasp of auto insurance helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from auto insurance companies.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like funeral costs, chiropractic care, X-ray expenses, ambulance fees and dental work. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage
This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like falling objects, damage from getting keyed, vandalism, fire damage and hail damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability coverages
Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things such as court costs, structural damage, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Collision protection
Collision insurance pays for damage to your Wrangler from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like crashing into a ditch, damaging your car on a curb, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.
Low-cost 1991 Jeep Wrangler insurance can be purchased online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. A few companies may not provide online price quotes and these regional insurance providers work with independent agents.
When shopping online for auto insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price.
More tips and info about auto insurance can be found in the articles below: