View 2016 Jeep Renegade Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 11, 2024

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Finding cheaper premium rates for insurance coverage could be nearly impossible for people who are new to comparing prices online. With such a large number of companies competing online, it can quickly become hard work to find better prices.

If you are paying for car insurance now, you will be able to reduce your rates substantially using this strategy. The purpose of this post is to instruct you on how to effectively get price quotes and some tips to save money. Nevertheless, drivers do need to understand how big insurance companies price online insurance and apply this information to your search.

Take policy discounts and save

Auto insurance companies don’t necessarily list every available discount very clearly, so here is a list a few of the more well known as well as some of the hidden discounts you could be receiving when you buy insurance online. If you do not double check each discount you qualify for, you could be paying more than you need to.

  • Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you a break if you buy a life policy as well.
  • Drivers Education – Have your child complete a driver education course if offered at their school.
  • College Student Discount – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save a little off the PIP or medical payment premium.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
  • Defensive Driver – Taking part in a defensive driver course could save 5% or more and make you a better driver.
  • Multi-Vehicle Discounts – Buying a policy with several vehicles on one policy can get a discount on all vehicles.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for reduced rates for Renegade insurance.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive so you can save 10 percent or more.
  • Telematics Data – People who choose to allow driving data collection to spy on vehicle usage by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.

As is typical with insurance, some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free insurance coverage policy, it’s just not the way it works. But all discounts will cut your overall premium however.

A few of the larger companies and their offered discounts can be found below.

  • Esurance may offer discounts for renters, homeowner, good driver, paid-in-full, DriveSense, online quote, and Switch & Save.
  • The Hartford includes discounts for anti-theft, good student, defensive driver, driver training, bundle, and air bag.
  • AAA policyholders can earn discounts including multi-policy, anti-theft, pay-in-full, AAA membership discount, education and occupation, good driver, and good student.
  • GEICO may have discounts that include air bags, anti-lock brakes, membership and employees, daytime running lights, anti-theft, multi-vehicle, and five-year accident-free.
  • State Farm has savings for multiple autos, accident-free, student away at school, good driver, Drive Safe & Save, Steer Clear safe driver discount, and anti-theft.

It’s a good idea to ask every company what discounts are available to you. Some discounts listed above might not be available to policyholders in your area. To see a list of insurers who offer cheap insurance coverage quotes, enter your zip code here.

Which policy gives me the best coverage?

When it comes to choosing the best car insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your insurance needs might need an agent’s assistance.

  • I have a DUI can I still get coverage?
  • How much liability do I need to cover my assets?
  • How many claims can I have before being cancelled?
  • Am I better off with higher deductibles on my 2016 Jeep Renegade?
  • What exactly is covered by my policy?
  • Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Are insurance coverage companies telling the truth?

21st Century, Allstate and State Farm endlessly run ads on TV and radio. All the companies say the same thing that drivers can save some big amount if you get a free insurance quote and switch to their company. How does each company claim to save you money? This is how they do it.

Different companies have strict underwriting profiles for the type of customer that will be a good risk. For example, this type of risk profile may need to be a female over age 40, has never had a policy lapse, and drives a car with an anti-theft system. Anybody that hits that “sweet spot” will probably get the lowest car insurance rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for these criteria may be required to pay higher premiums which translates to the customer not purchasing. The ads state “customers who switch” not “all people who quote” will save that much if they switch. This is how companies can truthfully make the claims of big savings. Different companies use different criteria so you should get as many free insurance quotes as possible. Because without a comparison, you cannot know with any certainty which company will provide you with the cheapest premium rates.

The coverage is in the details

Understanding the coverages of auto insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, rehabilitation expenses, surgery and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, driving through your garage door, hitting a mailbox, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Jeep Renegade.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

Liability coverage protects you from damage or injury you incur to other people or property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as legal defense fees, medical expenses, bail bonds and loss of income. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, theft, a tree branch falling on your vehicle, vandalism and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

More choices the merrier

When buying insurance coverage, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big mistake. The proper strategy is to find the BEST coverage for the lowest cost, but do not skimp to save money.

Throughout this article, we presented quite a bit of information on how to compare 2016 Jeep Renegade insurance prices online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the best price on car insurance is with some of the smallest insurance companies.

Discount 2016 Jeep Renegade insurance can be purchased on the web as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who do not provide online rate quotes and most of the time these regional insurance providers prefer to sell through local independent agents.

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