How Much Does 1992 Jeep Wrangler Car Insurance Cost?

Pricey Jeep Wrangler insurance can overdraw your personal savings, especially in this economy. Companies like GEICO, Progressive and Allstate all promote huge savings with catchy ads and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

If you have a current car insurance policy or need a new policy, you can learn to find better prices while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to understand the proper methods to get comparison quotes on the web.

Informed consumers know how to buy auto insurance more affordably

Part of the auto insurance buying process is learning some of the elements that play a part in calculating your policy premiums. If you understand what influences your rates, this empowers consumers to make smart changes that could result in lower auto insurance prices. Many things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, but other criteria are not as apparent such as your credit history or your vehicle rating.

  • Incidental coverages that may not be needed – There are quite a few additional coverages that can add up if you don’t pay attention. Insurance for things like vanishing deductibles, accident forgiveness, and term life insurance could be just wasting money. These coverages may sound good when deciding what coverages you need, but your money might be better spent on other coverage so remove them from your policy.
  • Get better rates if married – Having a wife or husband can actually save you money on your policy. It may mean you are more mature and it’s proven that married couples file fewer claims.
  • Men drivers tend to cost more – Over time, data shows females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. Both genders are responsible for fender benders at about the same rate, but men have costlier accidents. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Cautious drivers have lower rates – Your driving record has a big impact on rates. Having a single ticket can increase the cost of insurance by twenty percent. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers unfortunate enough to have license-revoking violations like DUI or willful reckless driving may find that they have to to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Occupation reflects on rates – Occupational choices like fire fighters, executives and medical professionals are shown to have higher premium rates due to intense work requirements and lots of time spent at work. Conversely, occupations like professors, engineers and retirees have lower than average premiums on Wrangler insurance.
  • Put fewer miles on your vehicle – The higher the mileage driven in a year’s time the more you’ll pay to insure it. Most companies rate vehicles based upon how much you drive. Cars and trucks used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your declarations sheet correctly shows the correct usage for each vehicle, because improper ratings can cost you money. An incorrectly rated Wrangler can result in significantly higher rates.
  • Know your vehicle’s IIHS safety rating – Safer cars are cheaper to insure. These vehicles reduce occupant injuries and fewer serious injuries means less money paid by your insurance company which can mean better rates for you.

Discounts for lower-cost auto insurance rates

Insuring your fleet can be pricey, but you might already qualify for some discounts that can drop the cost substantially. Some discounts will apply at the time you complete a quote, but once in a while a discount must be specially asked for prior to getting the savings. If you check and find you aren’t receiving every discount possible, you are throwing money away.

  • Safety Course Discount – Taking a course in safe driver could earn you a small percentage discount and also improve your driving technique.
  • Student in College – Children who are enrolled in higher education away from home and do not have a car may qualify for this discount.
  • Discounts for Federal Employees – Active or former government employment could cut as much as 10% off on Wrangler insurance with select insurance companies.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
  • Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks with one company can get a discount for every vehicle.
  • Switch and Save Discount – Select companies give a discount for switching to them before your current coverage expires. This can save 10% or more.
  • Waiver for an Accident – Not a discount per se, but companies like Liberty Mutual and GEICO permit an accident before raising your premiums if you have no claims before the accident.
  • Telematics Data Discounts – Policyholders that allow driving data collection to track when and where they use their vehicle by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks as long as they are good drivers.
  • Low Mileage – Driving less could qualify for substantially lower rates.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a slight reduction on a auto insurance quote on Wrangler insurance.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Popular auto insurance companies and their offered discounts can be found below.

  • Progressive discounts include good student, multi-vehicle, multi-policy, homeowner, and online quote discount.
  • MetLife policyholders can earn discounts including accident-free, good driver, defensive driver, multi-policy, claim-free, and good student.
  • Mercury Insurance has discounts for anti-theft, professional/association, location of vehicle, low natural disaster claims, accident-free, good driver, and multi-car.
  • Nationwide offers discounts for business or organization, easy pay, accident-free, Farm Bureau membership, and multi-policy.
  • GEICO may have discounts that include multi-vehicle, air bags, anti-theft, daytime running lights, anti-lock brakes, and emergency military deployment.
  • AAA offers premium reductions for anti-theft, good driver, multi-car, education and occupation, multi-policy, pay-in-full, and good student.

When getting a coverage quote, ask all companies you are considering how you can save money. Some discounts might not be offered everywhere. To find auto insurance companies that offer multiple discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • What is high-risk coverage and where do I buy it?
  • Am I covered when driving on a suspended license?
  • How do I buy GAP insurance?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I break a side mirror?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I getting all the discounts available?
  • Does my insurance cover a custom paint job?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage breakdown

Understanding the coverages of your insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from getting keyed and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays for damage to your Wrangler from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, driving through your garage door, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like dental work, nursing services, chiropractic care and surgery. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Jeep Wrangler.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, bail bonds, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Affordable insurance is out there

As you shop your coverage around, do not buy poor coverage just to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the best cost, but do not skimp to save money.

You just learned a lot of ways to shop for 1992 Jeep Wrangler insurance online. The key concept to understand is the more you quote auto insurance, the better your chances of lowering your rates. Consumers could even find that the lowest prices are with some of the smallest insurance companies. Some small companies often have lower rates on specific markets than the large multi-state companies such as Allstate and Progressive.

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