How Much Does 2013 Jeep Wrangler Insurance Cost?

Searching for cheaper auto insurance rates for your Jeep Wrangler? I can’t think of anyone who looks forward to paying for auto insurance, particularly when their premiums are too high.

Since consumers have many auto insurance companies to choose from, it is very difficult to pick the most cost effective insurer.

You should take the time to shop coverage around every six months since rates fluctuate regularly. Even if you got the lowest price for Wrangler coverage a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you’re about to find out how to use online quotes to properly buy coverages while reducing your premium.

The method we recommend to compare policy rates is to know the trick car insurance companies allow for online access to provide you with a free rate quote. All you need to do is provide information including how your vehicles are used, whether you are single or married, coverage limits, and what your job is. Your rating data is instantly submitted to many different companies and they return rate quotes very quickly.

To find lower rates now, click here and enter your coverage details.

Do you qualify for a discount?

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but a few must be inquired about before you get the savings.

  • Air Bag Discount – Factory air bags may earn rate discounts of up to 25% or more.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Wrangler coverage with a few insurance coverage companies.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing online.
  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.

For a list of insurance companies offering insurance coverage discounts, click here to view.

What coverages do I need?

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if you would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Is a fancy paint job covered?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • What is the difference between comprehensive and collision coverage?
  • I have a DUI can I still get coverage?
  • Is my state a no-fault state?
  • Is motorclub coverage worth it?
  • Is my 2013 Jeep Wrangler covered for flood damage?
  • Am I covered if my car is in a flood?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage information

Knowing the specifics of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive or Other Than Collision – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, hitting a deer, theft and a tree branch falling on your vehicle. The most 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 it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2013 Jeep Wrangler.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, bail bonds, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses for dental work, surgery, hospital visits, EMT expenses and rehabilitation expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This covers damage to your Wrangler caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, hitting a mailbox, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.