How Much Does 1999 Jeep Wrangler Insurance Cost?

Trying to find the cheapest car insurance rates for your Jeep Wrangler? Are you tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other consumers. Numerous car insurance companies battle for your insurance dollar, so it can be very hard to choose a company and get the best coverage at the lowest price

It’s important to compare rates as often as possible because car insurance prices change regularly. Even if you think you had the lowest rates on Wrangler coverage a year ago you may be paying too much now. You’ll find a ton of advice on car insurance on the web, but we’re going to give you some great ways to reduce your car insurance bill.

If you have insurance now or are looking for a new policy, you can follow these tips to cut your premiums and still get good coverage. Buying car insurance is not rocket science. Consumers just need to know the proper way to get comparison quotes over the internet.

Get lower rates with these insurance discounts

Companies offering auto insurance don’t always publicize every discount very clearly, so the list below gives a summary of some of the more common and the harder-to-find ways to save on insurance.

  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease on Wrangler coverage with certain companies.
  • Onboard Data Collection – Drivers that enable companies to look at their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they show good driving skills.
  • Discounts for New Vehicles – Putting insurance on a new car can cost up to 25% less since newer models are generally safer.
  • Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote in comparison to drivers who are more careless.
  • Organization Discounts – Being in qualifying clubs or civic groups could earn you a nice discount on your bill.
  • Multiple Cars – Buying insurance for primary and secondary vehicles on the same insurance policy can get a discount on all vehicles.
  • Low Miles Discount – Keeping the miles down on your Jeep may allow you to get lower insurancerates on the low mileage vehicles.
  • Online Discount – Certain larger companies may give you up to $50 simply for signing on the internet.
  • Smart Student Discounts – Performing well in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.

While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, companies don’t profit that way.

Companies that possibly offer most of the discounts above possibly include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some credits may not be available in your state. To choose providers with significant discounts, follow this link.

Informed consumers know how to quote auto insurance cheaper

A large part of saving on auto insurance is knowing the different types of things that are used to determine the rates you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that can earn you much lower annual insurance costs.

The items below are just a few of the factors auto insurance companies consider when setting your premiums.

  • Only buy coverage you need – Insurance companies have many extra add-on coverages that sound like a good idea at the time on your auto insurance policy. Coverages for replacement cost coverage, death and dismemberment, and membership fees may be wasting your money. They may seem good when talking to your agent, but if you have no use for them eliminate the coverages to reduce your premium.
  • Drive less and get lower rates – Driving a lot of miles each year the higher your rates will be. Almost all companies rate vehicles based upon how the vehicle is primarily used. Cars that do not get driven very much receive better premium rates than cars that get driven a lot. Make sure your auto insurance policy properly reflects the proper vehicle usage. Having an incorrect usage rating on your Wrangler can result in significantly higher rates.
  • Get married and pay less – Being married can actually save you money when buying auto insurance. Marriage usually means you are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Less chance of injury means lower auto insurance rates – Safe vehicles tend to have lower insurance rates. Safer cars have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims which can result in lower premiums. If your Jeep is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Higher coverage deductibles are cheaper – Deductibles for physical damage state the amount of money you are willing to pay in the event of a claim. Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your car. Examples of covered claims would be collision with another vehicle, damage from fire, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the better rate you will receive on Wrangler coverage.
  • Protect yourself with liability protection – Your policy’s liability coverage will protect you in the event that you are responsible for damages from an accident. It provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • High premiums for teen drivers – Mature drivers are viewed as being more responsible, tend to file fewer claims .Youthful drivers are proven to be more careless when driving so auto insurance rates are higher.
  • Don’t abuse insurance claims – If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Companies generally give better rates to people who do not rely on their insurance for small claims. Your car insurance is designed for more catestrophic claims.

Insurance coverage can get complicated

When buying the right insurance coverage, there is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether you might need an agent’s assistance.

  • What is no-fault insurance?
  • Does my 1999 Jeep Wrangler need full coverage?
  • Do I really need UM/UIM coverage?
  • What companies insure drivers after a DUI or DWI?
  • Is my cargo covered for damage or theft?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Insurance savings promises

Consumers can’t ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all seem to convey the message about saving some big amount if you switch to their company.

How is it plausible that every one can give you a lower rate? Here is how they do it.

Insurance companies have a preferred profile for the driver that will be a good risk. An example of a profitable insured may need to be a married male, has never had a claim, and drives newer vehicles. Any new insured that fits those parameters is entitled to the best price and will most likely cut their rates substantially.

People who are not a match for this ideal profile will be quoted higher rates and ends up with the customer buying from someone else. The ads state “drivers who switch” not “everyone who quotes” save that much when switching. This is how companies can make it sound like they have such great car insurance rates. Different companies use different criteria so it’s extremely important to get insurance quotes as often as possible. It is impossible to predict the company that will give you lower rates than your current company.

Car insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, a tree branch falling on your vehicle, rock chips in glass, hitting a deer and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Jeep Wrangler.

Since a lot of 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.

Auto collision coverage

Collision coverage will pay to fix damage to your Wrangler from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, medical services, pain and suffering and structural damage. How much coverage you buy is up to you, but consider buying as much as you can afford.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, hospital visits, nursing services, EMT expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Save for a rainy day

We just covered quite a bit of information on how to shop for 1999 Jeep Wrangler insurance online. The most important thing to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small mutual company. Some small companies may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

When shopping online for car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

To learn more, feel free to browse these articles: