2016 Jeep Renegade Car Insurance Rates – 10 Ways to Save

Looking for the cheapest insurance rates for your Jeep Renegade? Comparing and finding low cost premium rates for insurance could be nearly impossible for people who have little experience quoting coverage prices online. People have so many companies to choose from that it can easily become a lot of work to find the lowest price.

It is always a good idea to check insurance prices as often as possible due to the fact that insurance prices are variable and change quite frequently. Just because you found the lowest rates on Renegade insurance six months ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because it’s time to teach you how to use online quotes to reduce your cost while increasing coverage.

The quickest way to compare insurance rates in your area takes advantage of the fact most insurance companies pay for the opportunity to provide you with free rate quotes. All consumers are required to do is give them some information including if the vehicle is leased, how you use your vehicles, what your job is, and how many miles driven. Those rating factors is automatically sent to many highly-rated insurers and they return rate quotes within a short period of time.

To start a quote now, click here and complete the form.

Do you qualify for discount car insurance?

Car insurance can be pricey, but you can get discounts that you may not know about. Some discounts apply automatically at the time of purchase, but once in a while a discount must be asked for before they will apply.

  • Senior Citizen Discount – Mature drivers may qualify for better car insurance rates on Renegade insurance.
  • Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Home Ownership Discount – Simply owning a home can get you a discount because owning a home demonstrates responsibility.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • ABS Brakes – Cars and trucks that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.
  • Defensive Driver Discount – Successfully completing a defensive driver class may get you a small discount and also improve your driving technique.
  • Discount for Low Mileage – Driving less may allow you to get cheaper car insurancerates.
  • Early Renewal Discounts – Some larger companies reward drivers for renewing your policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
  • Buy New and Save – Putting car insurance coverage on a new car is cheaper because newer models keep occupants safer.
  • Drive Safe and Save – Drivers without accidents could pay up to 40% less on Renegade insurance as compared to drivers with claims.

Discounts save money, but please remember that most discount credits are not given the the whole policy. A few only apply to individual premiums such as comp or med pay. If you do the math and it seems like you could get a free car insurance policy, you won’t be that lucky.

A few companies that may have most of the discounts above include:

If you are trying to find inexpensive insurance quotes, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts may not be offered in your area. To view insurers that offer multiple discounts, click here.

What insurance coverages do I need?

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your situation could use an agent’s help.

  • What is the difference between comprehensive and collision coverage?
  • What are the best liability limits?
  • Is my custom paint covered by insurance?
  • Where can I find high-risk insurance?
  • Does insurance cover tools stolen from my truck?
  • Are rock chip repairs covered?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Coverage specifics

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – Collision coverage covers damage to your Renegade resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage – Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, repair bills for other people’s vehicles, funeral expenses, attorney fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses such as chiropractic care, rehabilitation expenses and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Final considerations

When searching for the cheapest insurance quotes, make sure you don’t skimp on coverage in order to save money. There have been many cases where someone sacrificed liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Throughout this article, we presented many ideas to reduce 2016 Jeep Renegade insurance rates online. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost insurance. Consumers may even find the biggest savings come from the smaller companies.

Budget-conscious 2016 Jeep Renegade insurance can be found on the web and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from. Some auto insurance companies do not offer the ability to get quotes online and most of the time these smaller providers only sell through independent insurance agents.

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