Best Car Insurance Company for Jeeps (2024)

Car accidents can cost drivers thousands in bodily injury and property damage if they don’t have proper coverage. Since most auto insurance policies are customizable, you can purchase liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, medical payments, gap insurance, and any other coverage offered to protect yourself financially. Auto insurance companies offer varying rates, so before you purchase insurance, it’s best to review your coverage needs and budget. 

We’ll go over the different types of car insurance and how to choose the best car insurance company for Jeeps. 

Understanding the Different Types of Coverage for Jeep

Depending on the coverage, your insurance company will cover bodily injury and property damage expenses in a variety of situations. The most important types of car insurance coverage you’ll want to consider purchasing are liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, medical payments, and gap insurance. 

Liability Insurance

If you don’t live in Virginia or New Hampshire, liability insurance is required in your state, which dictated the coverage limit. This type of coverage pays for bodily injury and property damage expenses for other drivers and passengers involved in an accident you caused.

Here’s an example of how liability insurance works.  

If your state’s liability limits are 15/30/10, which is $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, and $10,000 property damage liability, that is how much your insurance company will pay in the event of an accident. This means if your liability limit doesn’t fully cover the bodily injury and property damage expenses, you’ll be responsible for the difference. However, you also have the option to purchase above the state minimum to avoid out-of-pocket expenses.  

Collision Insurance

Damage resulting from a collision with another vehicle or object can be covered by collision insurance. Whether your vehicle needs to be repaired or replaced, collision will cover it. You must first pay a deductible, which goes towards the cost of repair or replacement before your car insurance pays the rest.

For example, if you got into an accident that caused $4,500 worth of damage to your Jeep and needed to file a collision insurance claim, you would pay your deductible and insurance would pay the difference. So if your deductible was $500 deductible, your car insurance company would pay the remaining $4,000 on your repair bill. Find the best collision coverage car insurance companies.

Comprehensive Insurance

Comprehensive car insurance is similar to collision insurance, but it pays for damage resulting from hitting an animal, fire, theft, vandalism, falling objects, and natural disasters. The driver pays the deductible, and the car insurance company pays the remaining repair balance. 

Collision and comprehensive also work the same for totaled vehicles. When a vehicle is totaled, the insurance payout is limited to the value of the vehicle, minus the deductible. So if your 1999 Jeep Cherokee is worth $3,500, you pay your $500 deductible before insurance pays you $3,000. Find the best comprehensive coverage car insurance companies.

Uninsured/Underinsured Motorist

Although most states require drivers to carry liability insurance, not every driver adheres to this law. And sometimes, those who do, only purchased the minimum, which isn’t always enough to fully cover bodily injury and/or property damage. Uninsured/underinsured motorist is required in 14 states, and it covers your bodily injury and property damage expenses when you have been hit by a driver with no insurance as well as those with too little coverage. Find the best uninsured motorist coverage car insurance companies.

Personal Injury Protection (PIP)

Personal injury protection is required in 12 states, and it pays for the driver’s and their passengers’ medical expenses, lost wages, replacement services, and funeral expenses, regardless of fault. Find the best personal injury protection car insurance companies.

Medical Payments

States that don’t require personal injury protection offer medical payments, which cover the driver’s and their passengers’ medical expenses following an accident. The policyholder selects the limit, and if the medical expenses cost more than the limit, the difference is to be paid out of pocket. Find the best medical payments car insurance companies here.

Gap Insurance

Since insurance payout does not exceed the value of the vehicle, drivers of leased or financed vehicles are vulnerable to paying out-of-pocket expenses if their vehicle is totaled in an accident, specifically if their loan balance is higher than the value of the vehicle. Gap insurance, or Guaranteed Asset Protection, fills this gap in insurance by covering the difference between the remaining loan balance and vehicle value. 

For example, if your 2017 Jeep Patriot is valued at $12,500 and the remaining loan balance is $14,000, the $1,500 difference would be covered by gap insurance.

It is common for drivers to purchase coverage they don’t need. As a result, they end up paying higher insurance premiums. The best way to determine your coverage needs is to take a look at your location, vehicle, ownership status, and car insurance quotes. 

• Location: Forty-eight states require liability, personal injury protection, or uninsured/underinsured motorist insurance, so that determines the minimum amount of coverage you need. 
• Vehicle: Drivers of newer-model vehicles can save thousands on the out-of-pocket cost of repair or replacement by purchasing certain coverages, including collision and comprehensive insurance.

• Ownership status: Drivers of leased and financed Jeeps may be required by their lender or dealership to carry full coverage car insurance, which may include liability, comprehensive, collision, and gap insurance.

• Car insurance quotes: Review quotes from different car insurance companies to see who is offering the most affordable coverage.  

Even if you purchase too much or too little car insurance, most companies allow drivers to update or adjust coverage whenever they need to. Find the best gap insurance company here.

How to Compare Rates and Coverage Options for Jeep

Drivers are encouraged to shop around before they purchase a policy. This doesn’t just mean comparing the cost and types of coverage from different companies. In fact, when choosing the best car insurance company for your Jeep, you’ll consider rates, coverage options, discounts, customer service, and reviews. 

Rates

Car insurance can be expensive, but a lot goes into calculating rates. Regardless, if you have a budget in mind if an auto insurance company’s rates are too high, that company probably isn’t a good option. If you compare car insurance quotes, there are likely other car insurance companies that offer coverage within your budget that would be a better fit. 

Coverage Options

Even if the price is right, you want to ensure the quote includes the necessary coverages. Your quote should clearly outline the coverage, the limits, and associated deductibles. If you need to make adjustments to the quote, expect the price to change. 

Discounts

Most car insurance companies offer discounts to customers to help lower car insurance costs.  

Here are some of the most common car insurance discounts available to drivers.  

• Anti-theft: Discount awarded to those driving a vehicle with anti-theft devices.
• Good student: Discount awarded to drivers for adding high school or college drivers between 16 and 25 with good grades to their policies. 
• Multiple policies: Discount awarded to drivers who purchase multiple policies, such as home, auto, and renters insurance. 
• Multiple vehicles: Discount awarded to drivers who insure two or more vehicles.
• Paid in full: Save when paying your premium in one payment instead monthly, quarterly, or semi-annual installments. 

Discounts vary from company to company and state to state, so not all drivers will have access to the same discounts. 

How to Contact Customer Service

Between filing a claim, removing and adding coverage, adding a new driver, and requesting roadside assistance, there are a lot of different reasons to contact customer service. If you’re between two or three car insurance companies, review their customer service options and hours. Accidents and vehicle emergencies happen at all hours, so ideally, customer service would be available 24/7 via phone, email, chat, and/or mobile app. 

Reviews

Current and past customers may have a lot to say about their car insurance. Reviews from customers can give you an idea of how others feel about the auto insurance company’s coverage options, rates, discounts, claims process, roadside assistance, customer service, and more. Additionally, you can review company ratings with the Better Business Bureau (BBB), A.M. Best, J.D. Power, and the National Association of Insurance Commissioners (NAIC) to see how companies compare to each other. 

There is no guarantee that drivers will get the auto insurance coverage they want for an affordable price. If your initial car insurance purchase didn’t fall within budget, you won’t be stuck paying that premium forever. 

Here are a few things you can do to lower your car insurance rate.

• Avoid accidents and traffic violations
• Improve your credit score
• Increase your deductible
• Bundle insurance policies
• Enroll in a low-milage or usage-based car insurance program
• Adjust coverage as car insurance needs to change

A lot of things can change in six months to a year, so rates can drop drastically. For example, teen drivers are charged the highest car insurance rates because they lack experience behind the wheel. Once a driver turns 25 years old, rates often decrease. At this point, drivers can shop around again or stick with their current car insurance company. 

The Bottom Line: Jeep Car Insurance Is More Affordable Than You Think

Jeep car insurance rates are flexible because they are influenced by so many factors.  Even after the insurance company has presented you with your initial auto insurance quote, you don’t have to settle. Whether you purchase liability, comprehensive, collision, gap insurance, uninsured/underinsured motorist, medical payments, personal injury protection, or other types of coverage, it is possible to build your perfect car insurance policy for an affordable cost.