View 2013 Jeep Wrangler Car Insurance Cost

Tired of being strong-armed to pay your car insurance bill each month? You are no different than many other consumers.

Having so many options when it comes to insurance coverage, it can be hard to choose the most affordable company.

This information will introduce you to the most effective way to quote insurance. If you have car insurance now, you will be able to reduce your rates substantially using these methods. Nevertheless, consumers must comprehend the methods companies use to sell online.

How to Get Insurance

There are several ways to compare Jeep Wrangler insurance quotes, but one way is less time-consuming than others. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.

Many popular insurance companies belong to a marketplace where prospective buyers send in one quote, and each participating company can give them a price based on that data. This saves time by eliminating form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one downside to comparing rates this way is you are unable to specify the providers you want to price. If you prefer to choose specific providers to request quotes from, we have a listing of insurance companies in your area. Click to view list.

However you get your quotes, make absolute certain that you use identical coverage information on every quote. If you are comparing different limits and deductibles on each one it’s not possible to truly determine the lowest rate. Just a small difference in insurance coverages may result in large price differences. And when price shopping your coverage, comparing a large number of companies will enable you to find better pricing.

Lower rates by qualifying for discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but some must be inquired about before being credited.

  • Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • No Claims – Good drivers with no accidents pay less as compared to bad drivers.
  • College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Multiple Policy Discount – When you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Club Memberships – Participating in certain professional organizations is a good way to get lower rates when shopping for insurance for Wrangler coverage.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get better insurance rates for Wrangler coverage.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Wrangler coverage than drivers with accidents.

It’s important to understand that most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will help reduce the amount you have to pay.

A partial list of companies that may offer some of the above discounts include:

Double check with all companies you are considering which discounts they offer. Discounts may not apply in your state.

Jeep Wrangler premiums are determined by many factors

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in lower auto insurance prices.

The list below includes some of the items used by your company to calculate premiums.

  • Do you have a high stress job? – Jobs such as doctors, business owners and accountants have higher rates than average due to high stress levels and lengthy work days. On the flip side, professions such as scientists, athletes and the unemployed get better rates for Wrangler coverage.
  • Don’t skimp on liability – Liability coverage will protect you if you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • The more you drive the more you pay – The more miles you rack up on your Jeep every year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance policy properly reflects how each vehicle is driven. Incorrect usage on your Wrangler may be costing you.
  • More people means more accidents – Residing in small towns and rural areas is a positive aspect when talking about auto insurance. Urban drivers have to deal with more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
  • Being married can save on auto insurance – Having a wife or husband can get you a discount on auto insurance. Having a spouse translates into being more mature and responsible and it’s proven that being married results in fewer claims.
  • Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Jeep Wrangler is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Lower deductibles cost more – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Jeep. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and windstorm damage. Physical damage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more the insured has to pay upfront, the bigger discount you will receive for Wrangler coverage.

Car insurance is unique, just like you

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • If my 2013 Jeep Wrangler is totaled, can I afford another vehicle?
  • Can my babysitter drive my car?
  • If I drive on a suspended license am I covered?
  • Does insurance cover tools stolen from my truck?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need an umbrella policy?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance 101

Learning about specific coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Liability coverages

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as ambulance fees, EMT expenses, funeral costs and pain medications. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

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

Collision insurance covers claims such as damaging your car on a curb, crashing into a building, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

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

Comprehensive coverage protects against claims like hail damage, theft, hitting a deer and hitting a bird. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Don’t break the bank

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Throughout this article, we presented a lot of information how to get a better price on 2013 Jeep Wrangler insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets than their larger competitors like Geico and State Farm.

The cheapest insurance is possible both online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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