1998 Jeep Wrangler Car Insurance Quotes

Did a good deal turn into an expensive car insurance policy? It’s a common feeling and there are many consumers feeling the pinch from expensive car insurance. With so many insurance companies to choose from, it can be hard to choose a lower cost insurance company.

You should make it a habit to compare prices quite often because prices go up and down regularly. If you had the lowest price on Wrangler coverage on your last policy you will most likely find a better rate today. There is a lot of wrong information about car insurance online, but you can learn some excellent ideas to lower your car insurance premiums.

Cheapest insurance coverage rate quotes

Most of the larger companies provide price estimates direct online. Getting online rates is fairly simple as you just type in the coverages you want on the page. Once entered, the company’s rating system makes automated requests for information on your driving record and credit history and generates pricing information based on the data you entered. Online price quotes streamlines rate comparisons, but having to visit different websites and complete many quote forms gets old quite quickly. Unfortunately, it is important to perform this step in order to get lower prices.

There is a better way!

The quickest way to find better insurance coverage pricing uses one simple form to return rates from more than one company. It’s a real time-saver, eliminates form submissions, and makes price shopping online a little more enjoyable. After sending your information, it gets priced and you are able to buy any of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To use this form to compare rates, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended that you enter coverages and limits exactly as shown on your declarations page. This helps ensure you will be getting a rate comparison for the exact same coverage.

Use discounts to get cheaper insurance coverage quotes

Buying insurance coverage is not cheap, but there’s a good chance there are discounts that many people don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but some may not be applied and must be manually applied before being credited. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.

  • First Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate and GEICO permit an accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
  • Good Driver Discounts – Safe drivers could pay up to 40% less on Wrangler coverage than their less cautious counterparts.
  • Own a Home and Save – Owning your own home or condo may earn you a small savings because it is proof that your finances are in order.
  • Online Discount – A handful of larger companies will provide an incentive just for signing your application on their website.
  • Discount for Low Mileage – Low mileage vehicles could be rewarded with discounted prices on garaged vehicles.
  • Safety Course Discount – Taking part in a driver safety class could possibly earn you a 5% discount and make you a better driver.
  • Mature Driver Discount – Drivers over the age of 55 may receive a small decrease in premiums on Wrangler coverage.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.

Please keep in mind that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, company stockholders wouldn’t be very happy. But any discount will positively reduce your policy cost.

Companies that have these benefits include:

When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in your area.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • Am I covered if I break a side mirror?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I pay less for low miles?
  • Can I rent a car in Mexico?
  • Am I insured when driving a different vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is the difference between comprehensive and collision coverage?
  • Does coverage extend to Mexico or Canada?
  • When should I not file a claim?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Collision coverages – Collision insurance covers damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, falling objects, rock chips in glass and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Jeep Wrangler.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability – Liability coverage will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims like bail bonds, legal defense fees and medical expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses such as funeral costs, rehabilitation expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

You can do this!

When shopping online for car insurance, you should never sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

Cheaper 1998 Jeep Wrangler insurance is possible online and from local agencies, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer rates over the internet and these smaller companies provide coverage only through independent agents.

In this article, we presented a lot of tips how to reduce 1998 Jeep Wrangler insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest prices are with some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.

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