1994 Jeep Wrangler Car Insurance Cost

Searching for better car insurance rates for your Jeep Wrangler? Shopping for the lowest cost car insurance over the internet may be problematic for consumers not familiar with buying insurance online. Since there are so many insurers available, how can drivers effectively compare them all to find the cheapest rates?

Finding Insurance

There are a variety of methods to compare 1994 Jeep Wrangler insurance prices and some are more efficient than others. You could waste a few hours talking to local insurance agents in your area, or you could save time and use the web to accomplish the same thing much quicker.

Most car insurance companies enroll in a system where insurance shoppers enter their policy data once, and each participating company can give them a price. This eliminates the need for quote forms for each company you want a rate for. To access this free quoting program, click here to start a free quote.

The one disadvantage to pricing coverage this way is you don’t know exactly which providers you want pricing from. So if you prefer to choose from a list of companies to compare, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

Whichever method you choose, make sure you use the exact same coverages with each company. If you have higher or lower deductibles you can’t possibly determine the lowest rate for your Jeep Wrangler. Slightly different insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, comparing a large number of companies will enable you to find lower pricing.

Jeep Wrangler rate determination is complex

An important part of buying insurance is that you know the factors that play a part in calculating auto insurance rates. Understanding what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

Shown below are a few of the “ingredients” auto insurance companies consider when setting your rates.

  • Younger drivers pay higher rates – Youthful drivers tend to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Where you live can impact rates – Being located in small towns and rural areas can be a good thing when buying auto insurance. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities tend to have much more traffic to deal with and much longer commute distances. Longer commute distances can result in more accidents.
  • High numbers of claims are not good – Insurance companies provide discounts to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
  • Safer cars cost less to insure – Vehicles with high crash test scores are cheaper to insure. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Jeep earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Rates may be higher depending on your occupation – Did you know your auto insurance rates can be affected by your occupation? Occupations such as doctors, social workers and accountants tend to pay higher rates than average attributed to job stress and long work days. On the flip side, occupations like scientists, athletes and performers have the lowest average rates on Wrangler coverage.
  • Better credit scores mean better rates – Having a bad credit rating is a big factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit. So if your credit score can use some improvement, you could potentially save money when insuring your 1994 Jeep Wrangler by improving your rating.

Don’t pay full price with these discounts

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but some may not be applied and must be manually applied prior to receiving the credit.

  • No Charge for an Accident – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Paperless Signup – Some insurance companies will give a small break for buying a policy and signing up digitally online.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Wrangler coverage with select insurance companies.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Claim Free – Claim-free drivers can earn big discounts compared to bad drivers.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Wrangler coverage.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.

For a list of providers with discount car insurance rates, follow this link.

Your personal situation dictates your coverage

When buying the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions could help you determine if your situation would benefit from professional advice.

  • What is no-fault insurance?
  • Do I have coverage if my license is suspended?
  • What if I owe more than I can insure my car for?
  • Is business property covered if stolen from my car?
  • How can I get my company to pay me more for my totalled car?
  • What are the best liability limits?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • What is covered by UM/UIM coverage?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverages and their meanings

Having a good grasp of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for rehabilitation expenses, surgery, X-ray expenses, pain medications and prosthetic devices. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This pays for damage to your Wrangler resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with a tree, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, vandalism, damage from flooding, hail damage and fire damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1994 Jeep Wrangler.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as medical expenses, court costs and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Shop smart and save

Low-cost 1994 Jeep Wrangler insurance is definitely available on the web in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, delays in paying claims, high prices and being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

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