View 2010 Jeep Wrangler Insurance Rates

Trying to find better auto insurance rates for your Jeep Wrangler? Overpriced Jeep Wrangler insurance can overdraw your personal savings, especially in this economy. Shopping your coverage around is a smart way to cut your insurance bill.

Big-name insurance companies like State Farm, Progressive and Geico continually hit you with advertising and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s important to compare prices quite often since rates are adjusted regularly by insurance companies. Just because you found the lowest price for Wrangler coverage six months ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about auto insurance because you’re going to learn how to quote online to save money, get proper coverage and the best rates.

How to Get Cheap Insurance Coverage

The are a couple different ways to compare quotes from different insurance companies. The best way to find the lowest 2010 Jeep Wrangler rates consists of shopping online. This can be accomplished in several different ways.

  1. Probably the best way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating repetitive form submissions to each individual insurance coverage company. Filling out one form will return price quotes direct from many companies.
  2. A harder way to get quotes online is to take the time to go to the website for each individual company and complete a new quote form. For example, let’s assume you want comparison quotes from Allstate, Geico and State Farm. You would have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient method to get comparison rates is driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the personal advice only provided by licensed agents. Drivers can get the lowest quotes online but buy from a local insurance agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but ensure you are comparing the exact same information with every price quote. If you are comparing unequal deductibles or liability limits it will be next to impossible to find the best deal for your Jeep Wrangler. Just a small difference in limits may result in a large different in cost. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Are you falling for claims of savings?

Auto insurance companies such as State Farm, Geico and Progressive consistently run ads on TV and radio. They all seem to have a common claim that you can save if you change to their company. How can each company make the same claim?

Insurance companies have a preferred profile for the type of customer that makes them money. For example, a profitable customer could be a mature driver, owns a home, and drives newer vehicles. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who are not a match for the requirements will be charged a higher premium and ends up with the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that kind of money. That’s why insurance companies can make those claims. That is why you need to get quotes from several different companies. Because you never know the company that will give you the biggest savings on Jeep Wrangler insurance.

Parts of the Jeep Wrangler rate equation

Consumers need to have an understanding of the different types of things that help determine the rates you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get big savings.

The following are a few of the “ingredients” that factor into your rates.

  • More claims means more premium – Insurance companies give lower rates to people who file claims infrequently. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Rural vs Urban Areas – Choosing to live in a small town has it’s advantages when talking about auto insurance. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both are in accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • One company can mean more discounts – Some insurers will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even with this discount, you may still want to compare other company rates to confirm you are receiving the best rates possible. Drivers may still find a better deal by splitting coverages up.
  • Rate your vehicle for proper use – The more you drive in a year the higher your rates will be. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. An improperly rated Wrangler can result in significantly higher rates. Ask your agent if your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
  • Special features that cut premiums – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • Credit scores impact auto insurance rates – Having a bad credit history is a big factor in calculating your auto insurance rates. If your credit score is not that good, you could potentially save money when insuring your 2010 Jeep Wrangler by repairing your credit. People with good credit tend to be more responsible as compared to drivers with lower credit scores.
  • Do you know your deductibles? – Your deductibles represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be colliding with a building, collision with an animal, and burglary. The higher the amount you’re willing to pay, the less your auto insurance will be for Wrangler coverage.

These discounts can lower your rates

Auto insurance companies don’t necessarily list all available discounts very well, so we researched some of the best known as well as the least known savings tricks you should be using.

  • Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Wrangler coverage depending on your company.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Paperwork-free – A few companies may give you up to $50 just for signing your application over the internet.

It’s important to note that most credits do not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Car insurance companies that may offer these discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts may not be available in your state.

Different people need different coverages

When choosing the best car insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Can my teen driver be rated on a liability-only vehicle?
  • Should I buy full coverage?
  • Where can I find high-risk insurance?
  • Do I need PIP coverage since I have good health insurance?
  • How does medical payments coverage work?
  • What is no-fault insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Is a fancy paint job covered?

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 a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverages 101

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by insurance companies.

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, fire damage, falling objects, hitting a deer and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance – Liability insurance will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover 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 limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims like loss of income, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Jeep Wrangler.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like doctor visits, pain medications, nursing services and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays for damage to your Wrangler resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Buy online or local, you save

In this article, we covered many ideas to shop for 2010 Jeep Wrangler insurance online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with the least-expected company. Smaller companies may only write in your state and offer lower rates than their larger competitors like State Farm, Geico and Nationwide.

Cheaper insurance can be bought both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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