Compare 2010 Jeep Wrangler Insurance Cost

No one in their right mind likes having to buy auto insurance, particularly when the price is too high.

Having so many insurance providers from which to choose, it’s nearly impossible to find the lowest price insurance company.

It’s a great practice to compare prices periodically since insurance rates are adjusted regularly by insurance companies. Just because you had the lowest price on Wrangler coverage a couple years back you can probably find a better price now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.

Free Insurance Quotes

All major insurance companies allow you to get prices online. Getting quotes is fairly straightforward as you just type in your coverage information into a form. Behind the scenes, the system obtains information on your driving record and credit history and generates pricing information determined by many factors. This helps simplify price comparisons, but the time it takes to visit different websites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to get many rate quotes in order to find the lowest possible prices on insurance.

The better way to compare rates

An easier way to compare rates makes use of a single form to obtain quotes from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much simpler. Immediately after you send the form, it is rated with multiple companies and you can pick any or none of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process takes just a few minutes to complete and you’ll know if lower rates are available.

To find out what other companies charge, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you copy the coverage information identical to your current policy. Doing this assures you will have an apples-to-apples comparison for similar coverage.

Discounts are available to cut your rates

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so the following is a list of both well-publicized as well as the least known ways to save on car insurance.

  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • One Accident Forgiven – A few companies will forgive one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Wrangler coverage with certain companies.
  • Memberships – Participating in a professional or civic organization is a good way to get lower rates on your policy on Wrangler coverage.
  • Student in College – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.

Consumers should know that some credits don’t apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

To see a list of companies who offer car insurance discounts, click here.

These factors can influence Jeep Wrangler insurance rates

It’s important that you understand the factors that come into play when calculating the rates you pay for insurance coverage. Knowing what impacts premium levels enables informed choices that will entitle you to lower insurance coverage prices.

  • Don’t buy coverages you don’t need – There are a ton of additional coverages that you can buy on your Wrangler policy. Coverages for roadside assistance, towing coverage and membership fees may be costing you every month. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate them to save money.
  • High deductibles save money – Deductibles for physical damage define the amount you are required to spend out-of-pocket before your insurance coverage pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. The higher the amount you have to pay, the less your company will charge you for insurance on Wrangler coverage.
  • Your age impacts your rates – More mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teenage drivers have a tendency to be more careless when driving and because of this, their insurance coverage rates are much higher.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, architects and financial analysts tend to have higher average rates because of job stress and long work days. Conversely, professions such as scientists, engineers and performers receive lower rates on Wrangler coverage.
  • Drive less and save money – The more you drive in a year the more you will pay for insurance coverage. Most insurance companies rate vehicles based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. If your policy improperly rates your Wrangler can result in significantly higher rates. Ask your agent if your insurance coverage policy properly reflects the correct driver usage.
  • Big city or small town – Choosing to live in a rural area can be a good thing when talking about insurance coverage. Urban drivers have to deal with much more traffic and longer commute times. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
  • Car features impact rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.

Everyone needs different coverages

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

  • Can my babysitter drive my car?
  • Does coverage extend to my business vehicle?
  • What is high-risk coverage and where do I buy it?
  • Is motorclub coverage worth it?
  • How high should my medical payments coverage be?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving a rental car?
  • What is an SR-22 filing?
  • When do I need to add a new car to my policy?
  • Should I buy full coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Are insurance companies telling the truth?

Companies like Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. All the ads make an identical promise that you’ll save big after switching to them. How can each company make the same claim? It’s all in the numbers.

All companies are able to cherry pick for the right customer that is profitable for them. A good example of a desirable insured could be a mature driver, has no prior claims, and drives newer vehicles. Any new insured who fits that profile will get very good rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside these standards will be quoted a more expensive rate and this can result in the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save that much. This is how companies can truthfully make those claims. This emphasizes why it is so important to get a wide range of price quotes. It’s just too difficult to predict which insurance companies will give you the biggest savings on Jeep Wrangler insurance.

Car insurance coverages explained

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Jeep Wrangler.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for pain medications, dental work and surgery. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays for damage to your Wrangler from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, hitting a deer, hail damage and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income, court costs, attorney fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Saving money makes a lot of cents

Budget-conscious 2010 Jeep Wrangler insurance is attainable online as well as from independent agents, so compare prices from both to have the best selection. Some insurance providers don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Throughout this article, we presented a lot of information how to get a better price on insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a smaller regional carrier. These companies often have lower prices on specific markets than their larger competitors like State Farm or Progressive.

Much more information about insurance coverage is available at the links below