View 2019 Jeep Wrangler 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: May 10, 2024

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Want lower auto insurance rates for your Jeep Wrangler? Feel like you have overpriced auto insurance? Say no more because many consumers are in the same pinch.

Many car insurance companies vie for your business, so it’s not easy to compare every company and get the definite lowest rate

Consumers should take time to compare prices once or twice a year due to the fact that insurance prices fluctuate regularly. Even if you think you had the best deal for Wrangler coverage six months ago a different company probably has better rates today. There is a lot of bad advice regarding auto insurance online, but in just a couple of minutes you can learn some tested techniques to save money.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is quite easy. But consumers can benefit by having an understanding of how the larger insurance companies sell insurance online and apply this information to your search.

Insurance discounts help cut rates

Car insurance companies don’t list the complete list of policy discounts very well, so the next list breaks down some of the best known and also the more inconspicuous ways to save on insurance.

  • Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
  • Telematics Data Discounts – Drivers that enable companies to study their driving habits through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease if they have good driving habits.
  • Switch and Save Discount – Some companies provide a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Accident Free – Good drivers with no accidents pay less when compared with insureds who have frequent claims or accidents.
  • Life Insurance – Some insurance carriers give a small discount if you purchase some life insurance too.
  • Safety Restraint Discount – Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

As a footnote on discounts, most discounts do not apply to the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free insurance policy, you’re out of luck.

Some of the larger companies that may offer these benefits include:

  • GEICO
  • MetLife
  • Progressive
  • Travelers
  • SAFECO
  • AAA

When getting a coverage quote, ask all the companies which discounts can lower your rates. A few discounts may not apply to policies in your area. To locate companies with discount rates, enter your zip code here.

Which is the best auto insurance?

When choosing proper insurance coverage, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if you may require specific advice.

  • Can I make deliveries for my home business?
  • Am I covered if I break a side mirror?
  • What happens if I owe more than my 2019 Jeep Wrangler is worth?
  • If my pet gets injured in an accident are they covered?
  • Do I need special endorsements for business use of my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What are the best liability limits?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete your zip code.

Car insurance coverage specifics

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by car insurance companies.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, hitting a deer and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This coverage pays for damage to your Wrangler caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, hitting a mailbox, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for rehabilitation expenses, nursing services, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Coverage for liability

This will cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Jeep Wrangler.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Don’t throw your cash in the trash

A few companies do not offer rate quotes online and most of the time these small insurance companies only sell through independent insurance agents. The cheapest 2019 Jeep Wrangler insurance is attainable on the web and from local insurance agents, so you need to compare both so you have a total pricing picture.

We just presented quite a bit of information on how to get a better price on 2019 Jeep Wrangler insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates come from some of the lesser-known companies. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

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