How Much Does 1994 Jeep Wrangler Insurance Cost?

Trying to come up with a payment for pricey auto insurance can dwindle your accounts and possibly require postponing other expenditures. Getting a rate comparison can help to make ends meet.

Companies like State Farm and GEICO constantly bombard you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Cheapest insurance coverage price quotes

There are a variety of methods you can shop for insurance coverage and some are less time-consuming than others. You can spend countless hours driving to insurance companies in your area, or you can utilize the web for quick rates.

Many companies belong to an insurance system that allows shoppers to complete one form, and at least one company can give them a price based on the submitted data. This eliminates the need for quote forms to every company.

To compare rates using this form now click to open in new window.

The one disadvantage to using this type of form is you don’t know exactly the insurers to receive prices from. So if you prefer to pick specific insurance companies to compare, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, do your best to use nearly identical quote data for every quote you compare. If you enter mixed coverages it will be impossible to decipher which rate is best. Quoting even small variations in insurance coverages can make a big difference in price. Just keep in mind that comparing a wide range of rates will improve the odds of getting more affordable insurance. Some regional insurers cannot provide online rate quotes, so it’s important to also get prices from them as well.

Save 15 percent in 15 minutes? Is it for real?

Insurance coverage companies such as State Farm, GEICO and Progressive consistently run ads in print and on television. They all seem to make the point that drivers can save some big amount after switching your coverage to them. It sounds good, but how can they all have lower policy pricing? It’s all in how they say it.

Insurance providers have specific guidelines for the type of driver that earns them a profit. For instance, a profitable insured could possibly be between 25 and 40, owns their home, and drives a safe vehicle. Any customer that matches those criteria will get very good car insurance rates and have a good chance to pay quite a bit less when switching companies.

Potential customers who do not meet the ideal profile will see higher premiums with the end result being the prospect going elsewhere. The ad wording is “people who switch” not “everyone who quotes” save that kind of money. This is how insurance companies can confidently advertise the way they do. This really emphasizes why it’s extremely important to compare quotes as often as possible. It is just not possible to predict which insurance coverage company will provide you with the cheapest rates.

Why you might pay inflated rates

It’s important that you understand the rating factors that help calculate your premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that could result in much lower annual insurance costs. Many different elements are part of the equation when quoting car insurance. A few of the factors are predictable such as traffic violations, but other criteria are more obscure such as whether you are married or how safe your car is.

  • If you don’t need it don’t buy it – Policies have additional extra coverages that sound like a good idea at the time on your Wrangler policy. Coverages for rental car reimbursement, better glass coverage, and extra life insurance coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.
  • Deter theft and reduce prices – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft and help bring rates down.
  • Lower premiums for being claim-free – Insurance companies give discounts to policyholders who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Low comp and collision deductibles mean high premiums – Deductibles for physical damage define the amount the insured will be required to pay if a covered claim is submitted. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. Some coverage claims could be collision with another vehicle, fire damage, and damage from wind. The more of the claim you have to pay, the less your company will charge you for insurance on Wrangler insurance.
  • Having a spouse brings a discount – Having a spouse helps lower the price compared to being single. Having a spouse is viewed as being more mature and responsible and insurance companies like that married couples file fewer claims.
  • More traffic equals higher costs – Being located in a small town has definite advantages when buying auto insurance. Urban drivers tend to have traffic congestion and more time behind the wheel. Less people means a lower chance of having an accident and also fewer theft and vandalism claims.

Get cheap rates by taking advantage of discounts

Insurance coverage is not cheap nor is it fun to buy but you might find some hidden discounts that can help lower your rates. Some trigger automatically at the time of purchase, but some may not be applied and must be specifically requested prior to receiving the credit.

  • Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote insurance coverage on Wrangler insurance depending on your company.
  • Discount for Low Mileage – Low mileage vehicles could be rewarded with better insurance coveragerates on cars that stay parked.
  • Passive Restraints – Cars that have air bags could see savings of up to 25% or more.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
  • Discounts for New Vehicles – Buying insurance coverage coverage on a new vehicle can cost up to 25% less since new vehicles are generally safer.
  • First Accident Forgiveness – Not a discount per se, but companies like Allstate, Progressive, and GEICO will turn a blind eye to one accident without the usual rate increase if you are claim-free prior to being involved in the accident.
  • Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid the installment charge.
  • Life Insurance Discount – Select insurance carriers reward you with a lower price if you buy a life insurance policy as well.
  • Driver Training Discounts – Completing a course in defensive driver could possibly earn you a 5% discount if your company offers it.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works. But any discount should help reduce the amount you have to pay.

Some companies who might offer some of the discounts shown above include:

Check with every prospective company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in your area. To find providers who offer free insurance coverage quotes, follow this link.

How much car insurance do I need?

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions could help you determine if you could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability coverage do I need in my state?
  • Why is insurance for a teen driver so high?
  • Why do I only qualify for high-risk insurance?
  • Is pleasure use cheaper than using my 1994 Jeep Wrangler to commute?
  • Is upholstery damage covered by car insurance?
  • How much liability do I need to cover my assets?
  • Where can I find DUI or SR-22 insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Specific coverages for a Jeep Wrangler

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages available from auto insurance companies.

Coverage for liability

Liability insurance can cover damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, loss of income and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision insurance

This coverage pays for damage to your Wrangler from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, rock chips in glass, hitting a deer, a tree branch falling on your vehicle and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for funeral costs, surgery, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Wrangler.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Final considerations

We just presented a lot of tips how to shop for 1994 Jeep Wrangler insurance online. The most important thing to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance is with a small local company. They may have significantly lower premium rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

Lower-priced 1994 Jeep Wrangler insurance can be found from both online companies as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get quotes online and most of the time these regional carriers prefer to sell through independent insurance agencies.

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. In many instances, someone dropped liability coverage limits only to discover later that they should have had better coverage. The goal is to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

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