Jeep Auto Insurance

Since it was founded in 1941, Jeep has had a well-earned reputation for ruggedness and dependability. It is the oldest off-road vehicle in car manufacturing history and can trace its roots to the time period of World War Two. The original "Willys" Jeeps were produced for the U.S. military and were employed extensively against the Germans in WWII. The company first introduced civilian model Jeeps in 1945. The initial Jeep prototype, the Bantam BRC, developed into the primary lightweight, 4-wheel drive vehicle that was used by the United States and its Allies during the war.

No one is quite sure how the Jeep brand got its name. The most common theory is that the military designated the vehicle with the letters GP (for General Purpose or Government Purposes) and these letters were slurred into "Jeep". Others believe that the soldiers who were driving and using these new vehicles liked them so much that they informally named them after a popular Popeye cartoon character, Eugene the Jeep, who was known for his ruggedness.

After World War Two, Jeep continued to develop and produce new designs for the military. In 1950, they showcased a Jeep model that was capable of driving under water. To accomplish this feat, the engine was modified with a snorkel so that it could breathe properly while submerged. In 1965, Jeep developed an army truck, the M715, which was used extensively during the Vietnam War.

The Jeep brand itself has had many owners over the years, starting with the Willys who made the first civilian Jeep in 1945. It was then sold to Kaiser Motors which became Kaiser-Jeep in 1963. American Motors Corporation (AMC) purchased the entire Jeep operations in 1970. In the 1980s, Chrysler wanted to buy the Jeep brand and did so in 1987. Shortly after, it introduced the Jeep Wrangler to the American public where it became an immediate success. Interestingly enough, Jeeps have been produced in Toledo, Ohio, since the company's inception.

Today, Jeep offers a wide range of SUVs. These include the Compass, the Grand Cherokee, the Liberty, the Patriot, the Wrangler, and the Wrangler Unlimited. Jeep has worked hard over the years to develop vehicles which are safe and reliable to drive but with the off-road capability that so many owners find exciting. The company has also labored to make their models more fuel efficient but without sacrificing the sportiness and ruggedness that Jeep has long been known for.

Finding reasonable insurance coverage for any Jeep model is usually fairly easy. As with any type of vehicle, you should always speak with several different insurance companies to compare quotes. Agents use various criteria to determine what you will pay for an annual premium. SUVs can cost more to insure than sedans simply because they cost more to repair in the event of an accident. They also tend to be driven in a different manner than a family sedan. A vehicle with off-road capability will more than likely cost more to insure so you should consider this fact when budgeting for car ownership expenses.

Your personal information is also considered by insurance agents when formulating an insurance policy. Factors which can influence your total cost include your age, your driving history, where you live, and even your credit score. Help keep the price of an annual premium down by maintaining a clean driving record and keeping a good credit report. Also ask about available discounts (low mileage, good student) and consider bundling your different insurance packages together (life, home, car, renter's etc.).

Jeep security and safety considerations
Jeep models account for about 2% of the top 100 cars stolen annually in the U.S. According to the National Insurance Crime Bureau, the models most at risk are the Jeep Cherokee and Jeep Wrangler. If you own one of these vehicles, you should check with an insurance agent to find out if your insurance rates will be affected. Overall, the risk is very low so your rates should not significantly increase.

Crash Test Results for Jeep
The Insurance Institute for Highway Safety named two Jeep models to its list of Top Safety Picks of 2012. To be included, cars must receive a "good" rating in all categories of testing: high-speed front and side crash tests, a rollover test, and evaluations of seat/head restraints for protection against neck injuries in rear impact collisions. The Jeep models which were named are:

  • Small SUVs: Jeep Patriot (with optional side torso airbags)
  • Midsize SUVs: Jeep Grand Cherokee

Estimated Jeep Insurance Costs
Car insurance rates can vary significantly depending on the make and model of your Jeep vehicle and also on your personal information. Insurance companies rely on statistical data and individual personal information to help them calculate insurance rates. The following quotes are strictly estimates and do not reflect what you might actually be charged for an annual premium. However, they can be used as a guideline when budgeting for insurance costs and other car-related expenses.

On average, an annual premium for insurance coverage on a Jeep model will cost around $1288. A Jeep Grand Cherokee will generally run around $1200 a year for insurance while a Jeep Patriot can cost $1260. The Jeep Compass is estimated to cost $1296 for an annual premium. Both the Jeep Liberty and the Jeep Wrangler will average around $1300 a year for coverage.

It's important to remember that driving without proper insurance coverage is not an option. When budgeting for car expenses, a smart consumer will always add in the cost of insurance along with the vehicle monthly payment amount (if any) and estimated fuel expenses.