How Much Does 2009 Jeep Wrangler Insurance Cost?

Searching for the cheapest insurance rates for your Jeep Wrangler? Comparison shopping for insurance can be nearly impossible for beginners to comparing rates online. People have so many options that it can quickly become a big hassle to find the best price.

It’s a good habit to compare rates occasionally due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal for Wrangler insurance on your last policy you can probably find a lower rate today. There is a lot of bad information regarding insurance online, so with this article, you’re going to get the easiest ways to buy insurance cheaper.

Buying affordable protection is quite easy. Basically, every vehicle owner who buys auto insurance will most likely be able to save money. Nevertheless, vehicle owners do need to understand the methods companies use to market insurance on the web and use this information to your advantage.

Which Auto Insurance is Cheapest?

Performing a rate comparison can be a lot of work if you don’t know the best way to get rate quotes. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use the internet to quickly compare rates.

All the larger companies participate in a marketplace that enables customers to only type in their quote data once, and every company can give them a price determined by their information. This saves time by eliminating quote forms for each company you want a rate for. To find out what other companies charge for 2009 Jeep Wrangler insurance click here to open in new window.

The one disadvantage to doing it this way is you don’t know exactly which companies you want to price. So if you want to choose individual companies to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, compare apples-to-apples coverage limits for each comparison quote. If you compare differing limits it’s not possible to make a fair comparison for your Jeep Wrangler. Just a small difference in coverages may result in a large different in cost. Just keep in mind that getting more free quotes helps you find the best price.

Drivers who switch save $457 a year? Really?

Companies like State Farm, GEICO and Progressive continually stream ads on TV and radio. All the ads have a common claim that you can save after switching your policy. But how can every company say the same thing? This is how they do it.

Insurance companies can use profiling for the type of driver that is profitable for them. For example, a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A driver that hits that “sweet spot” gets the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the requirements must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that much. That’s why insurance companies can advertise the way they do.

This illustrates why it’s extremely important to get a wide range of price quotes. It is impossible to predict which insurance companies will give you the biggest savings on Jeep Wrangler insurance.

Why your Jeep Wrangler insurance rates may be high

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that could result in lower auto insurance prices.

  • Theft deterrents lower rates – Owning a car with a theft deterrent system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations like real estate brokers, social workers and dentists are shown to have the highest average rates in part from high stress and lots of time spent at work. Other occupations such as farmers, historians and performers pay the least for Wrangler insurance.
  • Your credit rating is important – Credit score is a huge factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower credit scores. Therefore, if your credit score is low, you could pay less to insure your 2009 Jeep Wrangler by repairing your credit.
  • Lower rates come with age – More mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel. Young drivers are known to be more careless when driving and because of this, their auto insurance rates are much higher.
  • Tickets mean higher rates – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one speeding ticket can bump up the cost by twenty percent. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers with serious tickets such as DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Discounts for multiple policies – Many insurers will award you with lower prices to people who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to make sure you are getting the best deal.
  • A lapse in coverage is a bad thing – Letting your insurance expire is a guaranteed way to trigger a rate increase. Not only will you pay more, getting caught without coverage may earn you a license revocation or jail time.
  • High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Jeep has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.

Save money by taking advantage of these discounts

Car insurance can cost a lot, buy you may qualify for discounts to reduce the price significantly. Most are applied when you purchase, but some must be requested specifically before you get the savings.

  • Passive Restraints – Cars that have air bags can receive discounts of more than 20%.
  • College Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Senior Discount – Older drivers may qualify for better insurance coverage rates for Wrangler insurance.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, you won’t be that lucky. But all discounts will reduce the cost of coverage.

Companies that may offer these money-saving discounts include:

Check with every prospective company which discounts you may be entitled to. Some discounts might not apply in your state.

When should I use an insurance agent?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Am I covered when driving on a suspended license?
  • What should my uninsured motorist coverage limits be in my state?
  • When would I need additional glass coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Where can I find high-risk insurance?
  • Can I get a multi-policy discount?
  • Do I need motorclub coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I have a commercial auto policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Specific coverages for a 2009 Jeep Wrangler

Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision protection

This pays for damage to your Wrangler caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability

This protects you from damage that occurs to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hail damage, hitting a deer, hitting a bird and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for ambulance fees, dental work, nursing services and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

A fool and his money are soon parted

In this article, we covered many tips how you can lower your 2009 Jeep Wrangler insurance rates. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from a small mutual company.

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, poor customer service and being labeled a high risk driver. Regardless of your reason, choosing a new company is not as hard as you think.

Affordable insurance is possible online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Much more information about car insurance can be read on the following sites: