Jeep Car Insurance
Finding Jeep car insurance could not be easier through than through our website. By knowing who offers the lowest Jeep auto insurance premium, you will be able to save money and be safe on the road.
Jeep is an automobile marquee of the Chrysler auto manufacturer division. It is the oldest off-road, sports utility vehicle. The Jeep Commander, Compass, Liberty, Patriot, Wrangler and of course the Grand Cherokee are among the most popular SUVs on the American roadways. The off-road capabilities have long been a selling point with its solid axles in both the front and rear. Since it produces solid axle vehicles, they are easier and cheaper to lift, which increases the distance between the center and chassis of the automobile. That means it can have higher ground clearance, which allows the jeep to travel over the most difficult of obstacles. Before you go driving over mountaintops though, you want to make sure that you have Jeep automobile insurance.
Jeep first appeared as the prototype Bantam BRC and became the primary 4-wheel-drive vehicle for the United States Army and allies during World War II and the postwar period. One of the more popular explanations for the word "jeep" is that the car was meant for Government Purposes or GP, which slurred into the word. Other stories suggest that soldiers enjoy it so much they named it after Eugene the Jeep, a Popeye character that could go anywhere. Competition for the new Army car was intense with the American Bantam Car Company actually building a design the fit the Army's needs but not the torque requirements. So Willys-Overland and Ford were allowed to make second attempts after seeing Bantam's.
The model is so popular that Camp Jeep is held every year to five drivers a chance to display their ride through trail rides and even offers "Jeep 101" courses to help people further explore their off-road capabilities. The three-day event features mountain biking, fishing, kayaking, tubing, and performances from bands. Children and adults are both encouraged to participate. So there is plenty to do in this car, but before you can do anything, you must have Jeep car insurance. Below is information about coverage options for you, as well as tips on how to save money on Jeep vehicle insurance.
Coverage for Your Jeep
You do not want to pay too much for Jeep car insurance. That means you do not want to pay for insurance coverage that you do not need. So what exactly do you need? A good place to start is with your state mandates. Every state has some type of mandate when it comes to Jeep car insurance. For example, Oregon mandates that a driver have $25,000 per person and up to $50,000 per accident in bodily injury liability coverage, as well as $10,000 in property damage liability. A driver must also have uninsured/underinsured motorist bodily injury for up to $25,000 per person and $50,000 per accident, as well as $15,000 in personal injury protection. Oregon follows a tort system, which means whichever driver is found to be at fault for the car accident will be held financially responsible.
Not all states follow the tort system however. Utah follows a no-fault system, which means all drivers are held financially responsible regardless of who caused the car accident. Utah requires all drivers to carry $25,000 per person and up to $65,000 per accident in bodily injury liability, as well as $15,000 in property damage liability and $3,000 in personal injury protection. Bodily injury liability covers medical costs and loss of wages and property damage covers costs related to damage done to houses or other buildings during a car accident. Uninsured/underinsured motorist bodily injury covers the costs of medical bills for those who do not have adequate coverage. And personal injury protection is a form of liability insurance that will cover your personal medical costs. The above-mentioned forms of liability will only cover the driver and/or occupants of the car that is involved in the wreck, not you or your car.
Having additional insurance coverage, such as collision, comprehensive and uninsured/underinsured motorist protection can help protect your investment even more. While these options may be additional to some, it may be required for others. For instance, if your automobile is still being financed your bank or lender may require you to purchase a more comprehensive plan to help protect their investment. Collision insurance covers repair and replacement costs when you are involved in a car accident with another car. Comprehensive helps with costs related to weather damage, auto theft, vandalism, fire or even a broken windshield. Uninsured/underinsured motorist protection is one of the most important types of Jeep car insurance to have. Even though it is mandated that drivers carry insurance, there are still some who do not have any Jeep car insurance at all, or have inadequate coverage. If you are involved in a car accident with this type of driver, you will be forced to pay for your repairs out of pocket, unless you have this type of Jeep insurance coverage.
Low Premium Rates
When you add coverage to your Jeep car insurance policy, your premium will most likely rise. However, there are ways you can lower your premium rate and keep it low. All you have to do is know what your insurance company is looking at. Every driver is looked at based on his or her age, gender, location, driving record, marital status and even education level. While you cannot change things such as your age or gender, you can do things to help lower their impact. For example, if you are a teenager you may want to just get a second hand used car so you will just have to pay for liability. In addition, if you are a good student you may also receive a discount. College graduates will also receive a lower premium from most Jeep vehicle insurance companies.
A driver can also take a driver's education class or defensive driving course to help clean up his or her driving record. You can contact your state insurance commissioner or Jeep automobile insurance agent to see if you qualify. Researching your Jeep auto insurance company is also a good way to lower your premium because then you will know what discounts are available to you. For example, if you have a new car then you want a company that gives new car incentives, as opposed to one that charges more because it is new. In addition, some insurance companies give discounts based on safety features. It is also good to know how your company will respond when it is time to make a claim, so customer service should be weighed in just as much as a premium.
Combining policies can also help reduce your Jeep car insurance premium rate. So if you have a home policy with your car insurance company then you can combine the two to receive a better rate. Another option is to increase your deductible. While it may mean more out of pocket expense in the event of an accident, it should lower your overall premium rate.