2015 Jeep Renegade Insurance Quotes – 10 Discounts for Cheapest Rates

Comparison shopping for auto insurance is a challenge for consumers new to comparison shopping online. You have so many options available that it can be a challenge to locate the lowest price.

You should make it a habit to compare prices quite often since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Renegade coverage on your last policy the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance online, so we’re going to give you a lot of great tips on how to find cheap auto insurance.

More discounts equal less premium

Car insurance companies don’t always list every available discount in a way that’s easy to find, so we researched both well-publicized and the harder-to-find insurance savings.

  • Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings on insurance on Renegade coverage.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Student in College – Youth drivers who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Senior Discount – If you’re over the age of 55, you may be able to get better insurance rates on Renegade coverage.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

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

It’s not one size fits all

When buying coverage, there is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might point out if your situation could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Do I need higher collision deductibles?
  • Do I benefit by insuring my home with the same company?
  • Can I afford to pay high deductible claims out of pocket?
  • Can my teen driver be rated on a liability-only vehicle?
  • When can my company non-renew my policy?
  • Can I get a multi-policy discount?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Don’t believe everything you hear

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies have a common claim that you’ll save big if you switch your coverage to them. But how can every company make the same claim?

All companies are able to cherry pick for the type of customer that earns them a profit. A good example of a preferred risk could be between 25 and 40, has no tickets, and drives newer vehicles. Any new insured who fits that profile will get very good rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t qualify for this ideal profile must pay higher prices which leads to business going elsewhere. The ads state “customers that switch” not “people who quote” save that kind of money. That’s the way insurance companies can advertise the way they do. This illustrates why drivers must get as many quotes as possible. It’s not possible to predict the company that will give you the biggest savings on Jeep Renegade insurance.

Auto insurance coverage considerations

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Jeep Renegade.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability insurance – This coverage can cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, legal defense fees, medical expenses, bail bonds and funeral expenses. How much coverage you buy is a personal decision, but buy as much as you can afford.

Insurance for medical payments – Med pay and PIP coverage kick in for short-term medical expenses like doctor visits, dental work, pain medications and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, vandalism, theft and damage from flooding. The maximum amount 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.

Collision coverages – Collision insurance will pay to fix damage to your Renegade resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, scraping a guard rail, rolling your car, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

A penny earned…

Consumers change insurance companies for many reasons like delays in responding to claim requests, questionable increases in premium, being labeled a high risk driver and even policy cancellation. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.

Affordable 2015 Jeep Renegade insurance can be purchased both online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

More tips and info about car insurance is located in these articles: