2001 Jeep Wrangler Insurance Cost – 6 Tricks for Best Prices

Trying to find cheaper insurance rates? Buyers have options when searching for low-cost Jeep Wrangler insurance. They can either spend hours struggling with agents getting price quotes or leverage the internet to compare rates.

There is a better way to compare insurance rates so we’re going to tell you the best way to quote coverages on a Jeep and get the lowest price from local insurance agents and online providers.

Verify you’re earning every discount

Some insurance providers don’t list the complete list of policy discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

  • Government Employees – Simply working for the federal government may qualify for a discount when you quote car insurance for Wrangler coverage but check with your company.
  • Defensive Driver Discounts – Taking part in a course that instructs on driving safety may get you a small discount and also improve your driving technique.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of at least 10 to 15 percent or more.
  • Payment Discounts – By paying your entire bill at once rather than paying monthly you can avoid the installment charge.
  • Switch and Save Discount – A few larger companies offer discounts for signing up early. This discount can save up to 10%.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may get savings of up to 25% or more.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic.

If you would like to see a list of companies that can offer you the previously mentioned discounts, follow this link.

When should I discuss my situation with an agent?

When choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions can help discover if you could use an agent’s help.

  • Should I buy only the required minimum liability coverage?
  • Am I covered if I crash into my own garage door?
  • Do I need rental car coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What if I total my 2001 Jeep Wrangler and owe more than it’s worth?
  • When do I need to add a new car to my policy?
  • What is the minimum liability in my state?
  • Am I covered if I break a side mirror?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Car insurance coverage considerations

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, chiropractic care and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

This will cover damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, emergency aid and medical expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive insurance

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, falling objects, damage from flooding and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle, rolling your car, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, 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.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Jeep Wrangler.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Quote often and quote early

When searching for cheap car insurance quotes, never sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

We just covered some good ideas how to shop for 2001 Jeep Wrangler insurance online. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding the cheapest car insurance. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, poor customer service, high prices and not issuing a premium refund. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

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