Cheap 2003 Jeep Wrangler Insurance Rates

Trying to find better insurance rates for your Jeep Wrangler? Being forced to pay for overpriced insurance premiums can draw down your personal savings and make it tough to pay other bills. Price shopping at each renewal is a fast and free way to make sure you’re not throwing money away.

Having so many insurance companies to choose from, it can be diffult for drivers to pick a more affordable insurance company.

It is always a good idea to compare premium rates every six months since rates fluctuate regularly. Just because you had the best deal on Wrangler insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to learn the proper way to save money, get proper deductibles and limits, all at the lowest rate.

The fastest way that we advise to compare policy rates takes advantage of the fact all the major auto insurance companies actually pay money for the chance to provide you with a free rate quote. To get started, all you need to do is provide the companies a bit of rating information like if you are currently licensed, an estimate of your credit level, if you lease or own, and the ages of drivers. That rating information is instantly sent to multiple auto insurance providers and they return quotes with very little delay.

If you would like to start a quote now, click here and complete the quick form.

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Are you earning every discount?

Buying insurance is not cheap, but discounts can save money and there are some available that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you get a quote, but some must be manually applied before they will apply.

College Student Discount – Any of your kids living away from home attending college and do not have a car could qualify for this discount.
Safety Course Discount – Taking part in a class that teaches safe driver techniques is a good idea and can lower rates if your company offers it.
Save over 55 – Drivers over the age of 55 can possibly qualify for a small discount on rates on Wrangler insurance.
Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
Multiple Vehicles – Insuring multiple cars or trucks with the same insurance company can get a discount for every vehicle.
Federal Employees – Active or former government employment could provide a small rate reduction on Wrangler insurance depending on your insurance provider.

As a sidenote, some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride.

Larger insurance companies and some of the discounts are:

State Farm may offer discounts for multiple autos, defensive driving training, multiple policy, driver’s education, and Steer Clear safe driver discount.
American Family offers discounts for air bags, bundled insurance, mySafetyValet, good student, good driver, Steer into Savings, and TimeAway discount.
AAA may have discounts that include pay-in-full, good driver, multi-policy, multi-car, and good student.
GEICO includes discounts for daytime running lights, multi-policy, air bags, federal employee, seat belt use, anti-theft, and multi-vehicle.
Mercury Insurance has savings for age of vehicle, good driver, location of vehicle, multi-policy, annual mileage, and ease of repair.
Farmers Insurance offers discounts including bundle discounts, teen driver, pay in full, distant student, multi-car, electronic funds transfer, and homeowner.
Progressive offers premium reductions for online signing, multi-vehicle, multi-policy, online quote discount, good student, homeowner, and continuous coverage.

Check with every insurance company which credits you are entitled to. Some discounts might not apply in your state. To choose insurers who offer free insurance quotes, click here to view.

Four factors that affect insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that come into play when calculating your premiums. If you know what determines premiums, this helps enable you to make changes that may result in much lower annual insurance costs. Lots of things are used when you get a price on insurance. Some are pretty understandable such as your driving history, but other factors are not as apparent like where you live and annual miles driven.

The factors shown below are some of the major factors used by insurance companies to determine your rates.

Battle of the sexes – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that women are better drivers. Males and females have accidents at a similar rate, but the males tend to have higher claims. Not only that, but men also get cited for more serious violations like DUI and reckless driving.
How many miles do you drive? – Driving more miles annually the higher your rates will be. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Cars not used for work or commuting can be on a lower rate level than vehicles that are driven to work every day. A policy that improperly rates your Wrangler is just wasting money. It’s always a good idea to double check that your insurance policy is showing the correct driver usage, because it can save money.
Low coverage deductibles mean high premiums – Physical damage insurance, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. A few examples of covered claims would be a broken windshield, vandalism, and burglary. The deductibles you choose state the amount of money you are required to pay if a claim is determined to be covered. The more damage repair cost you have to pay, the better rate you will receive on Wrangler insurance.
Lower rates for married couples – Having a spouse can get you a discount when shopping for insurance. Marriage is viewed as being more mature and responsible and statistics prove drivers who are married file infrequent claims.

When in doubt talk to an agent

When buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out whether or not you may require specific advice.

Am I better off with higher deductibles on my 2003 Jeep Wrangler?
Should I buy additional glass protection?
Why is insurance for a teen driver so high?
Do I need roadside assistance coverage?
Do I have newly-aquired coverage?
How much can I save by bundling my policies?
Am I covered if I wreck a rental car?
What if I total my 2003 Jeep Wrangler and owe more than it’s worth?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance coverage options for a 2003 Jeep Wrangler

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by car insurance companies.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from a tornado or hurricane, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision coverage pays for damage to your Wrangler from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Auto liability

This can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as structural damage, medical expenses, funeral expenses, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for nursing services, EMT expenses and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your 2003 Jeep Wrangler.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Cheaper insurance is a realistic goal

When trying to cut insurance costs, do not buy less coverage just to save a little money. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Affordable 2003 Jeep Wrangler insurance can be sourced both online and from local insurance agents, so get free insurance quotes from both of them to have the best selection. Some insurance companies do not offer online rate quotes and many times these small, regional companies prefer to sell through independent agencies.

More detailed insurance information can be found by following these links: