Save on 1998 Jeep Wrangler Insurance Quotes

Comparing car insurance rates is not a process drivers fancy doing, but it has to be done before you can go for a ride.

It’s important to take a look at other company’s rates periodically since insurance rates change frequently. If you had the best deal on Wrangler insurance a few years ago there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate how to use the internet to lower your rates without sacrificing coverage.

Save money by taking advantage of these discounts

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at the time of quoting, but a few must be specially asked for before you will receive the discount.

  • Homeowners Pay Less – Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get better insurance rates on Wrangler insurance.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Wrangler insurance depending on your company.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • No Accidents – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Auto/Life Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • One Accident Forgiven – A handful of insurance companies permit an accident without raising rates if your claims history is clear prior to the accident.

It’s important to understand that some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurers with discount insurance rates, click here.

How to Compare Insurance

All major insurance companies such as State Farm and Allstate quote insurance quotes online. Getting online rates is fairly straightforward as you simply enter the amount of coverage you want as requested by the quote form. After you complete the form, their rating system will order your driving and credit reports and generates pricing information.

Being able to quote online makes it a lot easier to compare rates but having to visit several different sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to find the lowest possible prices on insurance.

The smarter way to compare rates makes use of a single form that obtains quotes from multiple companies. It’s a real time-saver, reduces the work, and makes comparison shopping a little more enjoyable. After your information is entered, it is rated and you are able to buy any one of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process takes just a few minutes to complete and may save quite a bit of money.

To quickly use this form to compare rates, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you type in the limits and deductibles just like they are on your policy. Doing this guarantees you will get a fair comparison using the exact same coverages.

Pieces of the Jeep Wrangler insurance rate puzzle

An important part of buying insurance is that you know the factors that go into determining insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

Listed below are some of the items used by your company to calculate prices.

  • Poor credit can mean higher rates – Credit score is a huge factor in your rate calculation. People with high credit scores tend to be more responsible as compared to drivers with lower credit ratings. So if your credit rating is low, you could potentially save money when insuring your 1998 Jeep Wrangler by spending a little time repairing your credit.
  • Do you have enough liability coverage? – Your policy’s liability coverage is the protection when you are found liable for personal injury or accident damage. It will provide legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Your location affects your rates – Living in a rural area has it’s advantages when talking about insurance coverage. Urban drivers have congested traffic and longer commutes to work. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safer cars result in less severe 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 is probably cheaper to insure.

When should I use an insurance agent?

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • What can I do if my company denied a claim?
  • Who is covered by my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my babysitter covered when using my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need added coverage for expensive stereo equipment?
  • Does insurance cover damages from a DUI accident?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance policy coverages for a Jeep Wrangler

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability insurance

Liability coverage protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, repair costs for stationary objects, bail bonds and legal defense fees. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Jeep Wrangler.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like hospital visits, surgery, prosthetic devices, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Buy online or local, you save

Cost effective 1998 Jeep Wrangler insurance can be sourced both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

In this article, we presented a lot of ways to lower your insurance rates. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with a small local company.

Insureds change insurance companies for a number of reasons such as denial of a claim, high prices, questionable increases in premium or even policy cancellation. No matter why you want to switch, finding a new company is not as hard as you think.

Additional insurance information can be found at the links below