2015 Jeep Renegade Car Insurance Quotes – 5 Tips to Save

I can’t think of anyone who likes paying for car insurance, in particular when their premiums are through the roof.

You have so many insurers to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to find the best rates.

It’s a great practice to compare prices on a regular basis since insurance rates are constantly changing. Despite the fact that you may have had the best deal on Renegade coverage a couple years back you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to learn how to use online quotes to find better coverage at a better price.

Discounts are great for lower rates

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you purchase, but less common discounts must be asked for before you get the savings.

  • Good Students Pay Less – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Homeowners Discount – Simply owning a home can save you money because of the fact that having a home requires personal responsibility.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Clubs and Organizations – Participating in certain professional organizations could qualify you for a break when shopping for insurance on Renegade coverage.

It’s important to understand that most discounts do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will cut your overall premium however.

To see a list of companies offering insurance discounts, click here to view.

Beware of misleading auto insurance ads

Auto insurance companies such as State Farm and Allstate regularly use ads on television and other media. They all seem to have a common claim about savings if you move to their company. How does each company make almost identical claims?

Insurance companies are able to cherry pick for the driver they prefer to insure. For example, a preferred risk might be profiled as between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Drivers who don’t qualify for the “perfect” profile will be quoted a more expensive rate which usually ends up with the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much. That’s the way companies can claim big savings.

This emphasizes why it’s extremely important to compare as many rates as you can. It’s not possible to predict which insurance companies will give you the biggest savings on Jeep Renegade insurance.

You may need specialized coverage

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • Does my 2015 Jeep Renegade qualify for pleasure use?
  • What exactly is covered by my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • How much underlying liability do I need for an umbrella policy?
  • Which is better, split liability limits or combined limits?
  • Am I covered if my car is in a flood?
  • Can I make deliveries for my home business?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but you know they apply to you then you might want to talk 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.

Coverages available on your insurance policy

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, loss of income, emergency aid, medical expenses and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, crashing into a building, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2015 Jeep Renegade.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like chiropractic care, X-ray expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, theft, vandalism and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Be a smart shopper

The cheapest 2015 Jeep Renegade insurance can be found both online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an accident victim reduced full coverage only to regret that they should have had better coverage. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

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