View 2021 Jeep Renegade Car Insurance Rates in 2024

Frustrated by the wide range of insurance companies available to you? Many other drivers are as well. There are so many companies available that it is a real hassle to find the best prices.

Smart consumers take time to take a look at other company’s rates occasionally because insurance rates fluctuate regularly. Even if you think you had the best premium rates on Renegade insurance on your last policy a different company probably has better prices today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the best ways to properly buy coverages while reducing your premium.

Smart consumers can lower their insurance premiums

An important part of buying insurance is that you know some of the elements that go into determining your policy premiums. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with lower premium levels. Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although others are more obscure like your continuous coverage or your commute time.

• Single drivers take more risk – Having a wife or husband can get you a discount when buying insurance. Having a spouse generally demonstrates drivers are more mature and it’s statistically proven that drivers who are married are more cautious.
• Insurance policy lapses increase rates – Driving your car without having proper coverage can get your license suspended and companies may charge more for letting your insurance lapse. In addition to paying higher premiums, failure to provide proof of insurance will get you a steep fine or even jail time.
• Location can modify price – Being located in a small town is a good thing when insuring your vehicles. People who live in big cities have more aggressive driving styles and longer commute times. Less people living in that area means fewer accidents as well as less vandalism and auto theft.
• Liability protection is important – Liability coverage provides coverage when you are ruled to be at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
• Your occupation and insurance rates – Occupational choices like lawyers, airline pilots and financial analysts tend to pay higher rates than average because of high stress levels and incredibly demanding work hours. On the other hand, occupations such as actors, students and performers have the lowest average rates on Renegade insurance.
• Save money with alarm systems – Choosing a vehicle that has an advanced theft prevention system can save you some money. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.

Discounts can really help save money

Not many people think insurance is cheap, but you may qualify for discounts to help bring down the price. Many discounts should be triggered at the time you complete a quote, but some need to be asked for before you will receive the discount.

• Drive Less and Save – Low mileage vehicles may enable drivers to earn discounted prices on garaged vehicles.
• Homeowners Pay Less – Simply owning a home can save a few bucks because it is proof that your finances are in order.
• Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
• Senior Citizen Rates – Older drivers are able to get a slight reduction on a car insurance quote on Renegade insurance.
• Discounts for Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Renegade insurance than their less cautious counterparts.
• Multi-Vehicle Discounts – Drivers who insure multiple vehicles on one policy may reduce the rate for each vehicle.
• Student in College – Older children living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• No Claims – Claim-free drivers are rewarded with significantly better rates on car insurance quote compared to bad drivers.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies and their offered discounts include:

• State Farm includes discounts for multiple policy, passive restraint, Drive Safe & Save, driver’s education, anti-theft, defensive driving training, and student away at school.
• Farmers Insurance discounts include homeowner, early shopping, alternative fuel, business and professional, and teen driver.
• GEICO may offer discounts for membership and employees, multi-policy, military active duty, defensive driver, daytime running lights, driver training, and multi-vehicle.
• American Family offers premium reductions for mySafetyValet, defensive driver, Steer into Savings, good student, multi-vehicle, and good driver.
• Nationwide may include discounts for anti-theft, accident-free, good student, Farm Bureau membership, multi-policy, defensive driving, and easy pay.
• Progressive offers discounts for good student, multi-vehicle, online quote discount, homeowner, multi-policy, online signing, and continuous coverage.

When comparing rates, check with each insurance company how many discounts you can get. Some of the discounts discussed earlier might not apply in your state.

Will just any policy work for me?

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

For instance, these questions can aid in determining whether you will benefit from professional help.

• Can I rate high risk drivers on liability-only vehicles?
• Does my medical payments coverage pay my health insurance deductible?
• Can I get a multi-policy discount?
• Do I have newly-acquired coverage?
• Does coverage extend to Mexico or Canada?
• Do I have coverage when using my vehicle for my home business?
• Exactly who is provided coverage by my policy?
• Are my tools covered if they get stolen from my vehicle?
• Does coverage extend to a rental car in a foreign country?
• Am I covered if my car is in a flood?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete your zip code.

Car insurance coverage options for a Jeep Renegade

Knowing the specifics of car insurance can be of help when determining appropriate coverage 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.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for rehabilitation expenses, pain medications and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, 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.

Comprehensive coverage

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

Comprehensive insurance covers claims such as a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability

This will cover damage that occurs to other’s property or people that is your fault. It protects you from claims by other people, 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. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, structural damage and court costs. How much coverage you buy is up to you, but buy as large an amount as possible.

Buy online or local, you save

In this article, we covered a lot of ways to lower your 2021 Jeep Renegade insurance premium rates. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheap car insurance. Drivers may discover the biggest savings come from a small mutual company.

Insureds switch companies for a number of reasons such as policy non-renewal, questionable increases in premium, an unsatisfactory settlement offer and not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company is easier than you think.

Budget-friendly auto insurance can be purchased both online as well as from independent agents, and you need to price shop both to have the best selection. There are still a few companies who don’t offer rates over the internet and most of the time these smaller companies only sell coverage through local independent agencies.