Cheapest 2020 Jeep Wrangler Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Are you tired of trying to scrape together enough money to pay insurance coverage each month? You are in the same boat as most other consumers. Having so many options when it comes to insurance coverage, it’s difficult to pick the most affordable insurer.
It’s a good habit to quote other rates on a regular basis due to the fact that insurance rates go up and down regularly. Just because you found the lowest rate on Wrangler coverage a few years ago you can probably find a better price now. There is a lot of wrong information about insurance coverage out there, but in a few minutes you can learn the best ways to find cheap insurance coverage.
Use discounts on auto insurance
Insurance can be prohibitively expensive, but companies offer discounts that could help you make your next renewal payment. Most are applied when you get a quote, but lesser-known reductions have to be specifically requested before they will apply.
- Pay Early and Save – By paying your policy upfront instead of monthly or quarterly installments you can avoid monthly service charges.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen so companies will give you a small discount.
- Use Seat Belts – Drivers who require all occupants to use their safety belts could save 15% off the personal injury premium cost.
- Savings for New Vehicles – Putting coverage on a new car can save you some money because new model year vehicles keep occupants safer.
- Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared to drivers who are more careless.
Keep in mind that most discount credits are not given to the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, nobody gets a free ride.
A list of companies and a summarized list of policyholder discounts are shown below.
- GEICO offers premium reductions for military active duty, air bags, driver training, federal employee, and seat belt use.
- MetLife may have discounts that include defensive driver, good driver, multi-policy, claim-free, and good student.
- State Farm discounts include anti-theft, passive restraint, Drive Safe & Save, accident-free, multiple autos, and multiple policy.
- Progressive offers discounts for homeowner, multi-policy, online signing, good student, and continuous coverage.
- Mercury Insurance includes discounts for good driver, location of vehicle, anti-theft, type of vehicle, and ease of repair.
- 21st Century offers discounts including teen driver, student driver, defensive driver, homeowners, early bird, driver training, and air bags.
- Allstate policyholders can earn discounts including farm vehicle, utility vehicle, 55 and retired, good payer, and resident student.
Before purchasing a policy, check with all the companies how many discounts you can get. Savings may not apply to policies in your area. If you would like to view insurance companies with the best auto insurance discounts, enter your zip code here.
Tailor your car insurance coverage to you
When it comes to buying coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance should reflect that For instance, these questions could help you determine if your insurance needs will benefit from professional help.
- Do I have coverage for damage caused while driving under the influence?
- Will my vehicle be repaired with OEM or aftermarket parts?
- What exactly is covered by my policy?
- Do I need PIP (personal injury protection) coverage in my state?
- Is my 2020 Jeep Wrangler covered for flood damage?
- Am I covered if my car is in a flood?
- Can I still get insurance after a DUI?
- Does my medical payments coverage pay my health insurance deductible?
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. If you don’t have a local agent, complete your zip code. It is quick, free and may give you better protection.
Smaller companies may have the best rates
Consumers can’t ignore all the ads that promise big savings for switching by Allstate, GEICO and Progressive. They all convey the message that drivers will save a bundle if you switch your policy.
Is it even possible that every company can lower your prices? This is the trick they use.
Insurance companies look for specific characteristics for the type of driver that will generate a profit. One example of a preferred risk might be described as between the ages of 30 and 50, has a clean driving record, and drives less than 5,000 miles a year. Anyone who matches those parameters will probably get cheap rates and therefore will save some money.
Consumers who cannot meet the requirements will get higher prices which translates to the prospect going elsewhere. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently make it sound like they have such great prices.
This really illustrates why you need to do a quote comparison often. It’s just not possible to know with any certainty which company will have the best premium rates at this point in time.
The coverage is in the details
Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2020 Jeep Wrangler.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance pay for expenses for things like X-ray expenses, chiropractic care and surgery. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Comprehensive car insurance
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a broken windshield, falling objects, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Collision insurance covers damage to your Wrangler from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things such as hitting a mailbox, rolling your car, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.
This coverage will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability can pay for claims such as court costs, repair costs for stationary objects, funeral expenses and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Buy Smart and Save
Budget-conscious 2020 Jeep Wrangler insurance can be purchased on the web and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not have price quotes online and these small, regional companies prefer to sell through independent agents.
As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped full coverage to discover at claim time that they should have had better coverage. Your aim should be to buy enough coverage at the best possible price.
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Airbag FAQ (iihs.org)
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