Save on 2002 Jeep Wrangler Insurance Rates

Searching for cheaper insurance coverage rates for your Jeep Wrangler? I can’t think of a single person who anticipates paying for insurance coverage, especially knowing their premiums are through the roof.

Companies like GEICO, Progressive and Allstate constantly bombard you with ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

Use discounts on insurance coverage

Some providers don’t always list their entire list of discounts very well, so the following list contains some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • Discount for Home Ownership – Simply owning a home can save a few bucks because of the fact that having a home shows financial diligence.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some companies like State Farm and Allstate may permit one accident before raising your premiums so long as you haven’t had any claims for a specific time period.
  • Bundle and Save – If you have multiple policies with the same insurance company they may give you a discount of nearly 15% which can help you find the cheapest car insurance.
  • Clubs and Organizations – Joining qualifying employment or professional organizations may earn a discount when getting a car insurance quote.
  • Savings for New Vehicles – Insuring a vehicle that is new can get you a discount because newer vehicles keep occupants safer.
  • Discounts for Government Workers – Active or former government employment can earn a discount up to 10% for Wrangler coverage with certain companies.
  • Discounts for Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Wrangler coverage than their less cautious counterparts.

Don’t be surprised that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way.

Some of the larger companies that possibly offer some of the discounts shown above include:

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in every state. To view insurance coverage companies that provide some of the discounts listed above, follow this link.

How to compare free insurance rate quotes

To find low cost quotes, there are a couple of ways of comparing price quotes from different companies. The simplest method to lower the rate you pay for 2002 Jeep Wrangler insurance is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  • The fastest and easiest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form eliminates the need for multiple quote forms to each individual insurance company. One form will return quotes from many national carriers.
  • Another way to find lower rates requires a visit to each company website and get a separate price quote. For sake of this example, let’s say you want comparison quotes from Nationwide, Liberty Mutual and GEICO. In order to get each rate, you would have to go to each individual site and enter your policy data, which can take a lot of time.

    For a list of companies in your area, click here.

  • If you have time to kill, the last way to compare price quotes is making phone calls or going to local insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you have a need for the advice and guidance only provided by licensed agents. Although you can obtain prices from the web but still have the advice of a local agent.

Whichever way you use, make absolute certain that you use exactly the same quote information for every quote you compare. If you enter different coverage information it will be nearly impossible to make a fair comparison for your Jeep Wrangler. Even a minor difference in coverages could skew the results. And when comparison shopping, comparing a wide range of rates helps you find more affordable insurance. Not every company allows you to get quotes online, so it’s necessary to compare rates from them as well.

How insurance providers determine Jeep Wrangler insurance costs

Smart consumers have a good feel for the different types of things that aid in calculating your car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that could help you find big savings.

  • Claim-free discounts can add up – If you are a frequent claim filer, you can expect higher rates. Companies provide better rates to drivers that do not abuse their auto insurance. Insurance coverage is designed for claims that pose a financial burden.
  • Older drivers pay less – Teen drivers are known to be more careless when at the wheel of a vehicle so car insurance rates are higher. If you’ve ever had to add a inexperienced driver to your car insurance policy can break the bank. Older drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Men drivers tend to cost more – Statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. They both are responsible for at-fault accidents in similar percentages, but the men tend to have more serious accidents. Not only that, but men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 cause the most accidents and thus pay the highest rates.
  • Uninterrupted coverage saves money – Not maintaining insurance is against the law and you may have a hard time finding new coverage because you let your coverage have a gap. In addition to paying higher rates, being ticketed for driving with no insurance could result in a revoked license or a big fine. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you may require specific advice.

  • Is my teenager covered with friends in the car?
  • Why am I required to get a high-risk car insurance policy?
  • Is my babysitter covered when using my vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Does my personal policy cover me when driving out-of-state?
  • How high should my medical payments coverage be?
  • Am I covered if I hit my neighbor’s mailbox?
  • Who is covered by my policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Insurance coverage considerations

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Wrangler.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Auto collision coverage

Collision insurance covers damage to your Wrangler caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox, hitting a parking meter, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, X-ray expenses, pain medications, chiropractic care and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This provides protection from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like funeral expenses, medical expenses, pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance 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 protects against claims such as a tree branch falling on your vehicle, damage from getting keyed, fire damage and falling objects. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More quotes. Lower rates.

In this article, we covered a lot of tips how to shop for 2002 Jeep Wrangler insurance online. The key thing to remember is the more times you quote, the higher your chance of finding the cheapest car insurance. Consumers may even find the biggest savings come from a lesser-known regional company. They often have lower premium rates on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you quote car insurance, don’t be tempted to skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage only to discover later that they should have had better coverage. The aim is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

More information is available at the links below