1992 Jeep Wrangler Insurance Quotes

Searching for cheaper auto insurance rates for your Jeep Wrangler? I can’t think of anyone who cherishes buying auto insurance, especially knowing the price is too high.

There are many car insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it can be more difficult to find the best rates.

Discounts can save BIG

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but a few must be specifically requested in order for you to get them.

  • Defensive Driver – Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Bundle and Save – When you have multiple policies with one company you will save at least 10% off all policies.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Accident Free – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Wrangler insurance with a few auto insurance companies.
  • Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.

It’s important to note that some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, it just doesn’t work that way. But all discounts will help reduce your premiums.

A partial list of companies who might offer these money-saving discounts are:

Double check with each insurance company what discounts are available to you. Savings might not apply in your area.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

  • Are my friends covered when driving my 1992 Jeep Wrangler?
  • Do I really need UM/UIM coverage?
  • Which companies will insure high-risk drivers?
  • Where can I find DUI or SR-22 insurance?
  • How much liability do I need to cover my assets?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverage considerations

Learning about specific coverages of car insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from car insurance companies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, prosthetic devices, hospital visits, funeral costs and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as bail bonds, court costs, pain and suffering and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, driving through your garage door, backing into a parked car, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, damage from getting keyed and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1992 Jeep Wrangler.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Affordable insurance is out there

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price.

We just showed you many ideas to compare 1992 Jeep Wrangler insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest priced insurance comes from some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Much more information about insurance is available at these links: