2012 Jeep Wrangler Insurance Quotes

Trying to find lower car insurance rates for your Jeep Wrangler? Have you fallen victim to overpriced car insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Since consumers have many options, it can be hard to find the lowest cost company.

Consumers should take time to do rate comparisons occasionally since insurance rates change frequently. Just because you had the best deal for Wrangler coverage last year there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about car insurance online but with this article, you’re going to get some excellent ideas to buy car insurance cheaper.

Take discounts and save

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but a few need to be specifically requested before being credited. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Homeowners Pay Less – Owning a home can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Multiple Policy Discount – If you have multiple policies with one company you may save approximately 10% to 15%.
  • Student in College – Any of your kids who are attending college and do not have a car can receive lower rates.
  • E-sign – A few companies will give a small break just for signing your application on their website.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10% for Wrangler coverage.

It’s important to note that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. But all discounts will reduce the cost of coverage.

Companies that may have these money-saving discounts include:

Double check with each insurance company what discounts are available to you. All car insurance discounts might not apply in your state.

Finding Insurance Deals

Finding lower insurance rates isn’t really that difficult. Just spend a few minutes to compare rate quotes provided by online insurance companies. This can be done in several different ways.

  1. One of the best ways to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method saves time by eliminating boring form submissions for each company you want a rate for. Taking the time to complete one form compares rates from multiple low-cost companies.
  2. Another way to compare prices is to take the time to go to the website of each company to complete their respective quote request forms. For instance, let’s say you want comparison quotes from Liberty Mutual, Safeco and Geico. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but be sure to compare apples-to-apples coverage information on every quote you get. If you compare mixed coverages then you won’t be able to make an equal comparison.

Which policy gives me the best coverage?

When buying the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why am I required to get a high-risk car insurance policy?
  • What can I do if my company won’t pay a claim?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need roadside assistance coverage?
  • Should I buy additional glass protection?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Specific coverage details

Learning about specific coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Coverage for liability

This coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical services, court costs, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Jeep Wrangler.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage covers damage to your Wrangler resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, a broken windshield and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for things like surgery, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

A fool and his money are soon parted

When shopping online for insurance coverage, make sure you don’t reduce needed coverages to save money. There have been many cases where an insured dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Cost effective 2012 Jeep Wrangler insurance can be bought on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

Additional information can be read at these links: