Lower Your 1991 Jeep Wrangler Car Insurance Quotes

Did you fall for a flashy sales pitch and buy overpriced insurance coverage? You’re in good company because you’re not the only one. Vehicle owners have so many insurance companies to choose from, and even though it’s nice to have multiple companies, lots of choices makes it harder to get the best deal.

Are you receiving every discount?

Companies that sell car insurance do not list every policy discount in a way that’s easy to find, so the list below contains some of the more common and the harder-to-find discounts that you may qualify for.

  • No Charge for an Accident – Not necessarily a discount, but a few companies such as GEICO, Progressive, and Allstate will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • 55 and Retired – Mature drivers may be able to get a discount up to 10% for Wrangler insurance.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school.
  • Multiple Policy Discount – If you have multiple policies and insure them with the same company you could save over 10 percent off each policy depending on the company.
  • Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • E-sign Discounts – Some companies will provide an incentive for buying a policy and signing up on the internet.
  • Data Collection Discounts – Drivers who elect to allow driving data collection to monitor driving manner by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts if their driving habits are good.
  • Military Deployment Discount – Being on active duty in the military could be rewarded with lower rates.
  • Professional Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount when getting a car insurance quote.
  • Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount since new vehicles have better safety ratings.

As is typical with insurance, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A few popular companies and a summarized list of policyholder discounts are:

  • Progressive has discounts for online quote discount, good student, online signing, multi-policy, homeowner, and multi-vehicle.
  • Farmers Insurance includes discounts for homeowner, good student, bundle discounts, youthful driver, and teen driver.
  • Farm Bureau discounts include multi-policy, driver training, youthful driver, renewal discount, multi-vehicle, and 55 and retired.
  • State Farm policyholders can earn discounts including good driver, Steer Clear safe driver discount, passive restraint, good student, defensive driving training, and accident-free.
  • GEICO may offer discounts for multi-vehicle, federal employee, daytime running lights, good student, driver training, seat belt use, and defensive driver.
  • SAFECO may have discounts that include teen safety rewards, multi-car, bundle discounts, safe driver, accident prevention training, drive less, and anti-lock brakes.
  • Liberty Mutual offers discounts including safety features, new graduate, teen driver discount, new move discount, and good student.

Before you buy a policy, ask every prospective company the best way to save money. Some of the discounts discussed earlier might not apply in every state. To choose auto insurance companies with significant discounts, click this link.

Quote insurance coverage online

Shopping for lower insurance coverage rates can take time and effort if you don’t utilize the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with agents in your area, or you could save time and use the web to get rates in a matter of minutes.

Many of the larger companies participate in a marketplace that enables customers to complete one form, and every company then returns a price quote based on that data. This saves time by eliminating form submissions to each company.

To get comparison pricing now click here to open in new window.

The single downside to using this type of form is you can’t choose the providers to receive prices from. If you prefer to choose specific insurance companies to request quotes from, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but do your best to use the exact same deductibles and coverage limits on every quote you get. If each company quotes different coverage information you can’t possibly determine which rate is truly the best.

Buy more affordable car insurance with these tips

Many different elements are considered when you get a price on insurance. Some factors are common sense like an MVR report, but other criteria are less obvious such as your credit history and annual miles driven.

Listed below are most of the major factors used by your company to calculate prices.

  • Never go without car insurance – Having a gap between insurance policy dates is a sure-fire way to bump up your car insurance costs. In addition to paying higher rates, getting caught without coverage might get you a license revocation or jail time.
  • Do you really need to file that claims? – Auto insurance companies provide the best rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of larger claims.
  • How much liability – Liability coverage will afford coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Lower rates by increasing comp and collision deductibles – Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some examples of claims that would be covered would be a broken windshield, hail damage, and damage from a fallen tree branch. The deductibles you choose tell how much you are willing to pay out-of-pocket if the claim is covered. The more expense you pay before a claim is paid (deductible), the lower your rates will be for Wrangler insurance.
  • Accidents can increase premiums – Whether or not you get tickets has a big impact on rates. Drivers with clean records get better prices compared to bad drivers. Even one speeding ticket or other violation may increase your cost by as much as twenty percent. Drivers with severe violations such as reckless driving, hit and run or driving under the influence may find they need to maintain a SR-22 with their state motor vehicle department in order to legally drive.
  • Alarm systems save money – Driving a car with a theft deterrent system can save you some money. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Small coverages can add up – Policies have add-on coverages that may not really be needed on your car insurance policy. Things like roadside assistance, towing coverage, and motor club memberships may be costing you every month. The coverages may be enticing at first, but now you might not need them so eliminate the coverages to reduce your premium.

When in doubt talk to an agent

When choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can help discover if your situation may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • Is business property covered if stolen from my car?
  • Where can I get insurance after a DUI in my state?
  • How can I force my company to pay a claim?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I hit a deer?
  • When should I drop full coverage on my 1991 Jeep Wrangler?
  • When can my company non-renew my policy?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Truth in insurance coverage advertising

Consumers can’t ignore all the ads for cheaper insurance coverage from companies such as 21st Century, Allstate and State Farm. They all seem to seem to make the promise that drivers can save some big amount after switching your policy.

How is it possible that every company can charge lower premium rates?

Insurance providers have an ideal profile for the type of driver they prefer to insure. One example of a profitable insured may be over the age of 45, has no tickets, and drives a vehicle with a low ISO rating. Any person who matches that profile gets the lowest rates and will also save a lot of money.

People who do not meet this ideal profile will be quoted a higher premium which leads to business going elsewhere. The ads state “customers who switch” not “everybody who quotes” can save as much as they claim. This is how insurance companies can confidently claim big savings. Because of the profiling, you need to do a quote comparison often. It is impossible to guess the company that will have the lowest rate quotes.

Insurance coverage options for a 1991 Jeep Wrangler

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for prosthetic devices, EMT expenses and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage – Collision insurance pays for damage to your Wrangler caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverage – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things like legal defense fees, funeral expenses and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, hitting a bird, damage from flooding, a broken windshield and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

A penny saved is a penny earned

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There are too many instances where someone sacrificed liability coverage limits and learned later they didn’t have enough coverage. The ultimate goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.

You just read quite a bit of information on how to lower your 1991 Jeep Wrangler insurance rates. The most important thing to understand is the more you quote car insurance, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from the least-expected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

More information can be found on the following sites: