View 2018 Jeep Renegade Car Insurance Quotes in 2024

Want lower car insurance rates for your Jeep Renegade? Have you fallen victim to overpriced car insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive car insurance. Online insurance companies like Allstate, Progressive and GEICO increase brand awareness with catchy ads and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

It’s important to compare prices before your policy renews since insurance prices trend upward over time. If you had the best rates on Renegade coverage on your last policy the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the easiest way to find great coverage at a great price.

If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to find the best rates while maximizing coverage. Choosing the best insurance company for you is quite easy. Vehicle owners only need an understanding of the best way to get comparison quotes online.

How much is insurance coverage?

Most of the larger companies give coverage prices direct online. Doing online price comparisons is quite easy because you just enter your coverage information as detailed in the form. When the form is submitted, their system sends out for information on your driving record and credit history and generates a price based on the information you submitted. Online price estimates streamlines rate comparisons, but having to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s necessary to get many rate quotes in order to find the best price on insurance coverage.

There is a better way!

The smarter way to find better insurance coverage pricing is to use a quote form that obtains quotes from several different companies. The form is fast, reduces the work, and makes price shopping online much easier to do. As soon as you send your information, it is quoted and you can select any of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and you will know how your current rates stack up.

If you want to compare rates using this form now, simply enter your zip code here and enter your vehicle and coverage information. To compare your current rates, we recommend you type in the coverage information identical to your current policy. Doing this assures you will have an apples-to-apples comparison for similar insurance coverage.

Insurance advertisements

Drivers can’t escape the ads that promise big savings for switching by companies like Allstate, GEICO and Progressive. All the ads advertise claims that you’ll save big if you switch to their company.

How does every company offer drivers better rates? You have to listen carefully.

Most companies give the best rates for the type of driver that will be a good risk. For example, a profitable insured could possibly be over the age of 40, has no prior claims, and drives newer vehicles. Someone who meets those qualifications is entitled to the best price and will most likely save quite a bit of money when switching.

People who fall short of those criteria may be required to pay higher rates which results in the customer buying from someone else. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save money. That’s why insurance companies can confidently claim big savings. This illustrates why it’s extremely important to get as many free insurance coverage quotes as possible. It’s just not possible to know which company will fit your personal profile best.

Jeep Renegade insurance rates can be more affordable

Many things are used when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other criteria are less apparent like your vehicle usage and annual miles driven.

The factors shown below are some of the most common factors used by companies to determine your prices.

• Lower rates by increasing deductibles – Deductibles for physical damage tell how much the insured will be required to pay before a claim is paid by your company. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be a windshield broken by a bird, damage caused by hail, and having a roll-over accident. The larger the amount you’re willing to pay, the less your company will charge you for insurance on Renegade coverage.
• Incidental coverages that may not be needed – There are quite a few extra add-on coverages you can purchase if you aren’t diligent. Coverage for things like rental car reimbursement, high-cost glass coverage, and additional equipment coverage are some examples. They may sound like good ideas when you first buy your policy, but if they’re wasting money think about removing them and cutting costs.
• Teenagers are high risk – Drivers with little experience are statistically shown to be more careless when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Older people are proven to be safer behind the wheel, statistically cause fewer accidents and tend to be get fewer driving tickets.
• Lower mileage equals lower premium – The more miles you rack up on your Jeep in a year the higher the price you pay to insure it. Many insurance companies apply a rate based upon how the vehicle is primarily used. Cars used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. It’s a smart idea to ensure your car insurance coverage is rated on the right rating data. Incorrect rating for your Renegade is just wasting money.
• Certain employers pay higher rates – Did you know your occupation can influence how much you pay for car insurance? Jobs like military personnel, air traffic controllers and stock brokers have the highest average rates attributed to intense work-related stress and long work days. On the other hand, careers such as scientists, athletes and performers have the lowest average rates on Renegade coverage.
• Cheaper car insurance rates for prior coverage – Driving without insurance coverage in place can get you a ticket and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, the inability to provide proof of insurance could result in a steep fine or even jail time.
• Lower rates for safer vehicles – Vehicles with high crash test scores can get you lower premiums. Vehicles built for safety protect occupants better and any reduction in injury severity means less claims paid which can result in lower premiums. If your Jeep is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Earn discounts on insurance coverage

The cost of insuring your cars can be expensive, but companies offer discounts that you may not even know about. Most are applied when you quote, but some discounts are required to be asked about in order for you to get them.

• Auto/Life Discount – Select insurance companies reward you with better premium rates if you take out some life insurance too.
• Policy Bundle Discount – If you insure your home and vehicles with one company you could get a discount of up to 20% and get you affordable insurance coverage.
• Multiple Cars – Drivers who insure multiple vehicles on the same insurance coverage policy could earn a price break for each car.
• Accident Forgiveness Coverage – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident without the usual rate increase so long as you are claim-free for a set time period.
• Senior Citizens – Older drivers may receive a small discount on rates on Renegade coverage.
• Memberships – Joining qualifying clubs or civic groups is a simple method to lower premiums when getting a insurance coverage quote.
• Seat Belt Discounts – Requiring all passengers to buckle up can save up to 15% off the PIP or medical payment premium.

It’s important to note that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will bring down your overall bill.

A few of the larger companies and some of the discounts include:

• Mercury Insurance has savings for annual mileage, age of vehicle, type of vehicle, good driver, location of vehicle, anti-theft, and low natural disaster claims.
• Farmers Insurance offers premium reductions for switch companies, good student, distant student, mature driver, teen driver, and alternative fuel.
• Farm Bureau includes discounts for youthful driver, driver training, good student, 55 and retired, and multi-policy.
• State Farm discounts include accident-free, good driver, defensive driving training, multiple policy, safe vehicle, Drive Safe & Save, and driver’s education.
• Allstate may offer discounts for good payer, new car, senior citizen, EZ pay plan discount, and auto/life discount.
• GEICO offers discounts including multi-vehicle, membership and employees, driver training, anti-lock brakes, good student, seat belt use, and multi-policy.

If you want affordable insurance coverage quotes, ask each company how you can save money. Some of the discounts discussed earlier may not be available in your area. To see insurers that offer discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can help discover if you might need an agent’s assistance.

• What vehicles should carry emergency assistance coverage?
• Am I covered when driving someone else’s vehicle?
• Is extra glass coverage worth it?
• Are my tools covered if they get stolen from my vehicle?
• What is an SR-22 filing?
• Who is covered when they drive my 2018 Jeep Renegade?
• Is Motor Club coverage worth it?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and can help protect your family.

Insurance coverage basics

Understanding the coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like funeral costs, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage will cover damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like bail bonds, structural damage, court costs, attorney fees and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Jeep Renegade.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle, colliding with another moving vehicle, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, hitting a bird, a broken windshield, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Don’t be a big spender

As you shop your coverage around, never skimp on coverage in order to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to find out that they should have had better coverage. Your goal should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

Some companies may not offer internet price quotes and many times these regional insurance providers only sell through independent insurance agents. Cheaper car insurance can be found on the web as well as from insurance agents, so you should compare both to have the best rate selection.

We just showed you a lot of tips how to shop for 2018 Jeep Renegade insurance online. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting affordable insurance coverage. Drivers may discover the lowest auto insurance rates come from the least-expected company. These smaller insurers may only write in your state and offer lower premium rates than their larger competitors like State Farm or Progressive.