Save on 2018 Jeep Renegade Car Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Jeep Renegade? Price shopping your insurance coverage might be challenging for beginners to online rate comparisons. Since there are so many insurers to choose from, it can easily turn into hard work to locate the lowest premium rates.

You need to do rate comparisons periodically because insurance coverage prices are variable and change quite frequently. Even if you got the best rates for Renegade insurance last year you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you how to quote online to save on insurance coverage.

If you have car insurance now, you should be able to reduce your rates substantially using this strategy. This article will introduce you to how car insurance quotes work and some tips to save money. But drivers should learn how companies price online insurance and use this information to your advantage.

Cheaper rates by earning discounts

Car insurance is expensive, but you might be missing out on some discounts that you may not even know about. Certain reductions will be credited when you get a quote, but some may not be applied and must be specially asked for before you will receive the discount.

Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
Discounts for New Vehicles – Buying insurance coverage on a new vehicle may earn a small discount since newer vehicles have better safety ratings.
Telematics Data – Drivers that enable their insurance company to track driving manner by installing a telematics device like Allstate’s Drivewise may see discounts if they exhibit good driving behavior.
Accident-Free Discounts – Insureds with no claims or accidents pay less as opposed to policyholders that have many claims.

Consumers should know that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, car insurance companies aren’t that generous.

To choose companies offering car insurance discounts, click here to view.

How to compare free insurance coverage quotes

There are multiple methods to compare insurance coverage prices and some are easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use the web to get prices fast.

Many insurance companies belong to a marketplace that enables customers to enter their coverage request one time, and each participating company can give them a price based on the submitted data. This system prevents you from having to do quote requests for every insurance coverage company.

To participate in this free quote system, click here to open in new window.

The one downside to getting quotes like this is you are unable to specify the providers to get pricing from. If you would rather choose specific providers to compare, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just try to use nearly identical coverage limits on every quote. If you compare different coverage information it will be impossible to make a fair rate comparison. Just a small difference in coverage limits can result in a big premium difference. And when quoting insurance coverage, remember that more quotes helps you find the best offered rates. Some smaller insurers to not give online rate quotes, so it’s necessary to compare prices from them, too.

The Jeep Renegade insurance cost equation

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that play a part in calculating your premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that will entitle you to better insurance coverage rates. Lots of factors are used when you get a price on insurance. Some are obvious such as your driving record, but other factors are less obvious like your vehicle usage or how financially stable you are.

The factors shown below are a partial list of the pieces used by your company to calculate your rate level.

Drive less and save – The more you drive your Jeep every year the more you will pay for insurance coverage. Most insurance companies apply a rate partially by how you use the vehicle. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Having the wrong rating on your Renegade may be costing you higher rates. Ask your agent if your insurance coverage declarations sheet shows the right rating data, because improper ratings can cost you money.
Your employer is a factor – Jobs such as real estate brokers, executives and emergency personnel generally have higher rates than the rest of us because of intense work requirements and extremely grueling work hours. On the other hand, professions such as farmers, engineers and the unemployed generally pay rates lower than average for Renegade insurance.
Poor credit decisions can cost you – Having a bad credit history can be a huge factor in determining what you pay for insurance coverage. If your credit history is low, you could pay less to insure your 2018 Jeep Renegade if you improve your credit rating. Drivers with very good credit scores tend to be less risk to insure as compared to drivers with lower ratings.
Gender as a rate factor – Over the last 30 years, statistics show that females take fewer risks when driving. That doesn’t necessarily mean that females are better drivers. Females and males cause fender benders in similar percentages, but men cause more damage. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male teenagers have the highest risk to insure so they pay the highest premiums.
Low physical damage deductibles mean high premiums – Comp and collision deductibles represent how much money you are willing to pay if the claim is covered. Physical damage protection, also called ‘full coverage’, protects your car from damage. Some coverage claims are a windshield broken by a bird, fire damage, and having a roll-over accident. The more damage repair cost you pay before a claim is paid (deductible), the less your insurance coverage will be for Renegade insurance.
Younger vs. mature drivers – More mature drivers are shown to be more cautious, are lower risk to insure and get fewer tickets.Teenage drivers are statistically proven to be less responsible behind the wheel so they pay higher insurance coverage rates.
Rental and towing coverage may not be needed – There are a lot of additional coverages that you can buy if you don’t pay attention. Add-on coverages like roadside assistance, accident forgiveness, and motor club memberships may be wasting your money. These coverages may sound good when deciding what coverages you need, but if you have no use for them remove them and pocket the money.

Your insurance coverage should be tailored to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs would benefit from professional advice.

How high should deductibles be on a 2018 Jeep Renegade?
Are there companies who specialize in insuring high-risk drivers?
Does my policy cover me when driving someone else’s vehicle?
Is pleasure use cheaper than using my 2018 Jeep Renegade to commute?
Do I need PIP (personal injury protection) coverage in my state?
Am I covered if my car is in a flood?
Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Smaller companies may have the best rates

Geico, State Farm and Progressive consistently run ads on television and other media. They all state the claim that people will save if you switch your auto insurance policy to them. Is it even possible that every company can charge you less for car insurance? It’s all in the words they use.

All the different companies have strict underwriting profiles for the type of driver that earns them a profit. For instance, this type of risk profile might have to be between 25 and 40, has few claims, and drives a lower-performance vehicle. Someone that fits those parameters will probably get cheap car insurance rates and will also save a lot of money.

Drivers who cannot meet those criteria will see a more expensive rate and ends up with the customer not buying. Company advertisements say “people that switch” not “everyone that quotes” can save as much as they claim. This is how companies can make it sound like they have such great prices.

Because of this risk profiling, you absolutely need to get a wide range of price quotes. It is impossible to predict the company that will fit your personal profile best.

Learn about insurance coverages for a 2018 Jeep Renegade

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, pain and suffering and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, hitting a parking meter, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 2018 Jeep Renegade.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills such as chiropractic care, surgery, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, a broken windshield, rock chips in glass, damage from getting keyed and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A tidy conclusion

Cost effective 2018 Jeep Renegade insurance can be purchased online and from local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide price quotes online and usually these small, regional companies provide coverage only through independent agents.

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your objective should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Insureds change insurance companies for many reasons like delays in responding to claim requests, policy non-renewal, not issuing a premium refund or policy cancellation. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.

More resources

Neck Injury FAQ (iihs.org)
Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
Senior Drivers (Insurance Information Insitute)
Understanding your Policy (NAIC.org)
Comprehensive Coverage (Liberty Mutual)