1990 Jeep Wrangler Insurance Cost

Want the cheapest car insurance rates for your Jeep Wrangler? Cutting costs on car insurance can be slightly frustrating for drivers new to quoting coverage rates online. Drivers have so many different companies and agents to choose from that it can easily turn into a difficult situation to find cheaper car insurance rates.

It’s important to do rate comparisons before your policy renews because car insurance rates trend upward over time. Even if you got the lowest rate on Wrangler coverage last year there is a good chance you can find better prices now. Forget all the misinformation about car insurance because you’re about to learn the tricks you need to know to get good coverage at a lower rate.

Finding the best rates is easy if you know what you’re doing. Basically, anyone who buys insurance coverage stands a good chance to be able to find better rates. Nevertheless, vehicle owners need to have an understanding of how the larger insurance companies sell insurance online and apply this information to your search.

Take policy discounts and save

Properly insuring your vehicles can get expensive, but you may qualify for discounts that can help lower your rates. Some of these disounts will be visible at the time of quoting, but occassionally some discounts must be asked for in order for you to get them. If you are not receiving all the discounts possible, you are not getting the best rate possible.

  • Telematics Discount – Drivers that enable data collection to look at vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot might see lower rates as long as they are good drivers.
  • Include Life Insurance and Save – Select insurance carriers reward you with a break if you buy a life policy as well.
  • Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease on Wrangler coverage with select insurance companies.
  • Cautious Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates on Wrangler coverage than their less cautious counterparts.
  • Own a Home and Save – Just owning your own home can save you money because maintaining a house requires personal responsibility.
  • Claim Free – Drivers who don’t have accidents can save substantially in comparison to frequent claim filers.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky.

A partial list of companies that have these benefits are:

When getting free insurance quotes, it’s a good idea to all companies you are considering which credits you are entitled to. All car insurance discounts might not be offered in your area.

How to compare auto insurance quotes

All major auto insurance companies give prices for coverage on the web. Getting online rates is easy for anyone because it’s just a matter of typing in your coverage information as requested by the quote form. After the form is submitted, their rating system orders reports for credit and driving violations and gives you a price quote based on the information you submitted.

This helps simplify price comparisons, but the work required to visit several different sites and fill out multiple forms can get tiresome after awhile. But it is imperative to do this in order to find a lower rate.

There is a better way!

A better way to get multiple rate quotes uses one simple form that gets price quotes from several companies at one time. It saves time, eliminates repetitive work, and makes online shopping much simpler. Immediately after you send the form, your coverage is rated and you can select your choice of the resulting price quotes. If you find a better price you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

To quickly fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you duplicate the limits and deductibles just like they are on your policy. This helps ensure you will have a rate comparison for similar coverage.

Insurance cost influencing factors

Lots of things are taken into consideration when you get your auto insurance bill. Most are fairly basic such as your driving record, but other criteria are not quite as obvious like where you live or your financial responsibility.

  • Only buy what you need – Insurance companies have many extra coverages that you can buy when buying car insurance. Add-on coverages like coverage for rental cars, death and dismemberment, and additional equipment coverage could be just wasting money. They may seem good when talking to your agent, but your money might be better spent on other coverage so consider taking them off your policy.
  • Vocation can influence car insurance rates – Do you work in a high-stress field? Occupations such as fire fighters, social workers and stock brokers usually pay higher premium rates due to intense work-related stress and long work days. Other careers such as professors, engineers and performers have the lowest average rates on Wrangler coverage.
  • Your location is a factor – Choosing to live in less populated areas is a positive aspect when buying car insurance. Residents of big cities have to deal with more traffic problems and much longer commute distances. Fewer drivers means less chance of accidents.
  • Theft deterrents save – Selecting a car model with anti-theft technology or alarm system can save you some money. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft and help lower rates.
  • Lower rates come with age – Youthful drivers are statistically shown to be less responsible in a vehicle so car insurance rates are higher. Older drivers tend to be more responsible, are lower risk to insure , and usually have better credit.

Which policy gives me the best coverage?

When choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.

For example, these questions can help discover whether your personal situation could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • How many claims can I have before being cancelled?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when delivering products for my home-based business?
  • Do I need special endorsements for business use of my vehicle?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

But the ad said I’d save 15% in 15 minutes!

Companies like State Farm, GEICO and Progressive endlessly run ads on TV and radio. All the companies state the claim that drivers will save a bundle if you just switch to them. How does every auto insurance company make almost identical claims? It’s all in the wording.

Insurance companies have a preferred profile for the type of driver that earns them the highest profit. For example, a profitable customer may be married and over the age of 30, has a clear driving record, and chooses high deductibles. A customer that matches those criteria receives the best car insurance rates and will also pay quite a bit less when switching companies.

Insureds who are not a match for the ideal profile may be forced to pay higher prices which results in the customer buying from a different company. If you pay attention, the ads say “people that switch” not “everyone who quotes” save that much when switching. That’s why companies can make claims that they all have the best car insurance rates. Different companies use different criteria so drivers must get insurance quotes as often as possible. It is just not possible to predict which insurance companies will have the best rates at this point in time.

Insurance coverage options for a 1990 Jeep Wrangler

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Jeep Wrangler.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, crashing into a building, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive insurance – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like loss of income, repair bills for other people’s vehicles, court costs, emergency aid and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for X-ray expenses, hospital visits and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

Drivers switch companies for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, poor customer service and even high prices. Whatever your reason, finding the right auto insurance provider is not as hard as you think.

When shopping online for auto insurance, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that it was a big error on their part. Your goal is to find the BEST coverage at the best price and still be able to protect your assets.

Some companies don’t offer online quoting and most of the time these smaller companies prefer to sell through independent agents. Budget-friendly auto insurance is available both online as well as from independent agents, so you need to compare both to get a complete price analysis.

Additional auto insurance information can be found below: