Lower Your 1997 Jeep Wrangler Insurance Rates

Trying to find the cheapest car insurance rates for your Jeep Wrangler? Paying cheap prices for car insurance is always slightly frustrating for drivers not familiar with comparison shopping online. Drivers have so many agents and companies to choose from that it can be a real difficult job to find a cheaper company.

It’s smart to take a look at other company’s rates quite often since rates are constantly changing. Just because you had the lowest premium rates on Wrangler coverage six months ago the chances are good that you can find a lower price today. Ignore everything you know about car insurance because I’m going to teach you the fastest and easiest way to reduce your cost while increasing coverage.

Discounts can really help lower rates

Insurance coverage is not an enjoyable expense, but companies offer discounts that many people don’t even know exist. Some discounts will apply at quote time, but occassionally some discounts must be manually applied prior to receiving the credit.

  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of 25 to 30%.
  • No Claims – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote in comparison to drivers who are more careless.
  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies allow you one accident without the usual rate increase as long as you don’t have any claims before the accident.
  • Discounts for New Vehicles – Putting insurance coverage on a new car is cheaper because new model year vehicles keep occupants safer.
  • Mature Driver Discount – Drivers that qualify as senior citizens could receive a small discount on rates on Wrangler coverage.
  • Switch and Save Discount – A few larger companies give discounts for renewing your policy before your current policy expires. This discount can save up to 10%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts could save 15% on medical payment and PIP coverage.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will help reduce the amount you have to pay.

If you would like to view insurance coverage companies with the best insurance coverage discounts, click here to view.

Will just any policy work for me?

When it comes to buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions may help you determine if you will benefit from professional help.

  • Should I rate my 1997 Jeep Wrangler as pleasure use or commute?
  • Is my state a no-fault state?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need roadside assistance coverage?
  • How can I get high-risk coverage after a DUI?
  • When would I need rental car insurance?
  • Can I drive in Mexico and have coverage?
  • When should I buy a commercial auto policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Auto insurance 101

Having a good grasp of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Jeep Wrangler.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision – This pays to fix your vehicle from 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 coverage protects against things such as hitting a bird, damage from getting keyed and rock chips in glass. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This pays for damage to your Wrangler from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance – Liability coverage protects you from damage that occurs to other’s property or people. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like medical services, pain and suffering, structural damage and medical expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses like surgery, ambulance fees, hospital visits, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Do the work, save more money

Consumers leave their current company for a number of reasons such as unfair underwriting practices, denial of a claim, lack of trust in their agent and delays in responding to claim requests. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

You just read some good ideas how to save on 1997 Jeep Wrangler insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest rates come from the least-expected company.

As you quote car insurance, never skimp on coverage in order to save money. Too many times, someone sacrificed full coverage only to find out they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Additional detailed information can be found by following these links: