2022 Jeep Renegade Insurance Cost in 2024

Want cheaper insurance coverage rates for your Jeep Renegade? I can’t think of a single person who likes paying for insurance coverage, in particular when their premiums are too high.

Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Cheap car insurance

Most of the larger companies such as 21st Century, Allstate and State Farm give prices online. Comparing rates online can be done by anyone as you simply enter your coverage preferences as requested by the quote form. After the form is submitted, the company’s rating system makes automated requests for your driving and credit reports and returns pricing information. Being able to quote online streamlines rate comparisons, but the time required to go to a lot of sites and complete many quote forms gets old quite quickly. But it is imperative to do this in order to find better car insurance pricing.

The easy way to compare rates

A quicker way to lower your rates is to use a quote form to obtain quotes from several companies at one time. It saves time, eliminates repetitive work, and makes price shopping online a little more enjoyable. Once the form is submitted, it is quoted and you can select any one of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It can be completed in less than 10 minutes and could lower your rates considerably.

In order to compare pricing, simply enter your zip code here and enter your information. If you currently have coverage, we recommend you complete the form with your coverages as shown on your current policy. Doing this guarantees you will receive a rate comparison for similar coverage.

More discounts mean lower-cost premiums

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so we researched both well-publicized as well as some of the hidden discounts that you may qualify for.

• Military Deployment Discount – Having a deployed family member could mean lower rates.
• Driving Data Discount – Policyholders that allow companies to monitor driving manner by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if their driving habits are good.
• Accident Forgiveness – This isn’t a discount exactly, but some companies like Progressive, State Farm and GEICO will allow you to have one accident before raising your premiums so long as you are claim-free prior to being involved in the accident.
• Auto/Life Discount – Some insurance carriers give a small discount if you purchase some life insurance too.
• Defensive Driver Discounts – Taking a course in defensive driving could possibly earn you a 5% discount and easily pay for the cost of the class.
• Drivers Ed for Students – Require your teen driver to successfully take a drivers education course in school.
• Own a Home – Just owning your own home may trigger a policy discount on insurance coverage since home ownership means you have a higher level of financial diligence.
• Discount for Good Grades – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
• Savings for New Vehicles – Insuring a new car can save up to 30% since new vehicles have better safety ratings.

Discounts lower rates, but many deductions do not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you could get a free insurance coverage policy, insurance companies wouldn’t stay in business. But any discount will help lower your overall bill.

A list of insurance coverage companies and a selection of discounts are outlined below.

• State Farm offers premium reductions for anti-theft, student away at school, multiple policy, defensive driving training, good student, and Drive Safe & Save.
• GEICO has discounts for driver training, multi-vehicle, anti-lock brakes, good student, and military active duty.
• Progressive discounts include online signing, homeowner, continuous coverage, good student, and online quote discount.
• 21st Century offers discounts including 55 and older, air bags, homeowners, student driver, early bird, theft prevention, and automatic seat belts.
• American Family policyholders can earn discounts including Steer into Savings, air bags, good driver, accident-free, and bundled insurance.
• The Hartford has savings for bundle, anti-theft, defensive driver, good student, driver training, and air bag.
• AAA may have discounts that include AAA membership discount, good student, pay-in-full, good driver, multi-policy, and anti-theft.

If you need lower rates, check with each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in every state.

It’s not one size fits all

When buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation will benefit from professional help.

• What is covered by UM/UIM coverage?
• Am I covered when driving someone else’s vehicle?
• Are split liability limits better than a combined single limit?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• When should I buy a commercial auto policy?
• What can I do if my company won’t pay a claim?
• How high should deductibles be on a 2022 Jeep Renegade?
• How much liability insurance is required?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Detailed coverages of your insurance policy

Having a good grasp of insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for nursing services, ambulance fees, rehabilitation expenses, dental work and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Renegade.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things like medical services, legal defense fees, repair bills for other people’s vehicles, emergency aid and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your Renegade caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle, rolling your car, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, a tree branch falling on your vehicle, vandalism, falling objects and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.