Cheap 1993 Jeep Wrangler Car Insurance Quotes

Buyers have a choice when searching for the lowest priced Jeep Wrangler insurance. They can either spend hours contacting agents trying to get quotes or use the internet to make rate comparisons.

There are more efficient ways to buy car insurance so we’re going to tell you the quickest way to quote coverages for a new or used Jeep and find the lowest price from both online companies and local agents.

Smart consumers take time to compare rates quite often because car insurance prices go up and down regularly. Despite the fact that you may have had the best price on Wrangler coverage six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to find better coverage at a better price.

The purpose of this post is to instruct you on how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you should be able to save some money using this information. Drivers just need to learn the most efficient way to compare company rates over the internet.

How to compare insurance quotes

Getting a cheap price on 1993 Jeep Wrangler insurance is surprisingly easy. Consumers just need to invest a few minutes comparing price quotes from online providers. This can be done in a couple of different ways.

The best way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This quick form eliminates the need for separate quotes for every company. A single form gets rate comparisons from multiple low-cost companies. This is perfect if you don’t have a lot of time.

A different way to shop for insurance online consists of going to each company website and repeat the quote process again and again. For examples sake, we’ll pretend you want rates from Liberty Mutual, State Farm and Progressive. To get each rate you have to navigate to each company’s site and punch in your information repeatedly, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but compare apples-to-apples coverage limits and deductibles for each comparison quote. If you enter unequal deductibles or liability limits it will be very difficult to determine the best price for your Jeep Wrangler.

Be skeptical of insurance ads

Drivers can’t get away from all the ads for insurance savings by companies like Progressive, Allstate and GEICO. All the ads make the point that drivers can save some big amount just by switching to their company.

How can each company charge lower premium rates? Here is the trick they use.

Insurance companies give the cheapest rates for the right customer that will not have excessive claims. An example of this type of driver might be described as married and over the age of 30, has a clear driving record, and the vehicle is rated for pleasure use. A driver who matches that profile will most likely get cheap car insurance rates as well as save money with a new company.

Drivers who are not a match for this ideal profile must pay a higher rate which results in business going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “all people who quote” will save that much if they switch. This is how companies can truthfully make it sound like they have such great car insurance rates.

Each company has different criteria, so you really should do a price quote comparison at every renewal. It is impossible to predict with any certainty which company will have better rates than you’re paying now.

How insurers determine Jeep Wrangler insurance prices

It’s important that you understand some of the elements that are used to determine the rates you pay for car insurance. If you understand what positively or negatively impacts your premiums, this enables informed choices that could result in lower premium levels.

  • Females pay lower rates – Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Males and females get in accidents at a similar rate, but the male of the species have accidents that have higher claims. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
  • Car insurance policy lapses lead to higher prices – Having a lapse in insurance coverage can be a guaranteed way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance might get you fines and jail time.
  • Driving citations will cost you – Even a single speeding ticket can boost insurance rates substantially. Attentive drivers pay less for auto insurance compared to bad drivers. Drivers unfortunate enough to have license-revoking violations like DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with their state DMV in order to prevent a license revocation.
  • Cars with good safety ratings mean better car insurance rates – Vehicles that have high safety ratings are cheaper to insure. Vehicles built for safety have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Rural areas have lower rates – Having an address in areas with lower population has it’s advantages when talking about car insurance. City drivers tend to have more auto accidents and longer commutes to work. Lower population means reduced accidents.
  • Bundle policies to earn discounts – Many insurers allow lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, drivers will still want to shop around to help ensure you have the lowest rates.There is a chance you can save more without the discount even if you have your coverage with different companies

These discounts can slash insurance rates

Some insurers do not list every discount very well, so the next list breaks down a few of the more common and the more hidden credits available to lower your premiums when you buy insurance online.

  • Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Discounts for Government Workers – Simply working for the federal government may reduce rates when you quote insurance on Wrangler coverage with certain companies.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Wrangler coverage compared to accident prone drivers.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Allstate and Progressive will turn a blind eye to one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
  • Onboard Data Collection – Policyholders that allow companies to look at their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they exhibit good driving behavior.
  • Multi-line Discount – Larger insurance carriers have a small discount if you purchase a life insurance policy as well.
  • Low Mileage Discounts – Driving less could be rewarded with better prices on cars that stay parked.
  • Driver’s Education for Students – Teen drivers should enroll in driver’s education in high school.
  • E-sign – Certain insurance companies may give you up to $50 simply for signing on the internet.
  • Senior Citizen Rates – Mature drivers are able to get a slight reduction on a insurance quote on Wrangler coverage.

It’s important to note that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

To view providers that can offer you the previously mentioned discounts, click here to view.

When do I need an agent’s advice?

When it comes to choosing adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Do I need special endorsements for business use of my vehicle?
  • I have a DUI can I still get coverage?
  • Is a blown tire covered by insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my camper covered by my car insurance policy?
  • Does my 1993 Jeep Wrangler qualify for pleasure use?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Auto insurance coverages

Learning about specific coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, EMT expenses and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as loss of income, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, falling objects and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays for damage to your Wrangler from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Wrangler.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Cheaper insurance is a realistic goal

A few companies do not provide price quotes online and these regional carriers provide coverage only through local independent agencies. Budget-friendly car insurance can be bought on the web as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection.

We just covered many ideas to lower your 1993 Jeep Wrangler insurance premium rates. The key concept to understand is the more companies you get prices for, the higher your chance of finding cheaper insurance. Consumers could even find that the best price on car insurance is with a smaller regional carrier.

Insureds who switch companies do it for many reasons like lack of trust in their agent, poor customer service, policy non-renewal and not issuing a premium refund. It doesn’t matter why you want to switch switching companies can be less work than you think.

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