2004 Jeep Wrangler Insurance Quotes

Shopping for discount car insurance on the web may be challenging for consumers not familiar with comparing rates and buying car insurance on the web. With literally dozens of companies in the marketplace, how can you be able to compare every car insurance company to find the cheapest available price?

It’s a good habit to compare premium rates periodically because insurance rates change regularly. Even if you got the best deal on Wrangler coverage at your last renewal you can probably find a better price now. Forget all the misinformation about car insurance because it’s time to teach you the fastest and easiest way to reduce your cost while increasing coverage.

Low cost auto insurance quotes online

Shopping for lower auto insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You could waste a few hours talking to agents in your area, or you could save time and use the web to get prices fast.

Many insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and every company provides a quote for coverage. This system prevents you from having to do repetitive form submissions for each company.

To find out how much you can save on auto insurance click here (opens in new window).

The only drawback to using this type of system is you can’t choose which carriers you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click to view list.

The approach you take is up to you, just do your best to use nearly identical coverages and limits on every price quote you get. If your comparisons have different data it’s not possible to decipher which rate is best. Quoting even small variations in limits can mean a large discrepancy in price. And when comparison shopping, comparing more rates from different companies gives you a better chance of getting more affordable rates. Not every company allows you to get online rate quotes, so it’s recommended that you also compare price estimates from them, too.

Discounts for cheaper auto insurance rates

Companies offering auto insurance do not list every policy discount in a way that’s easy to find, so the following is a list of both the well known and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

  • Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more off PIP or medical payments premium.
  • Buy New and Save – Putting insurance on a new car may earn a small discount because new model year vehicles keep occupants safer.
  • Accident Forgiveness – Not a discount per se, but certain companies may permit one accident without the usual rate increase if you have no claims for a specific time period.
  • Lower Rates for Military – Having a family member in the military could qualify you for better rates.
  • Good Driver Discount – Insureds without accidents may save up to 50% more on Wrangler coverage than drivers with accident claims.
  • No Claims – Insureds with no claims or accidents are rewarded with significantly better rates on insurance quote in comparison with drivers who are more careless.
  • Student Discount for Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course in school.
  • Discount for Low Mileage – Driving fewer miles could be rewarded with lower premium rates due to less chance of an accident.

You should keep in mind that most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, nobody gets a free ride.

Popular auto insurance companies and a partial list of their discounts include:

  • Progressive has savings for homeowner, good student, multi-vehicle, continuous coverage, online signing, multi-policy, and online quote discount.
  • The Hartford may offer discounts for driver training, vehicle fuel type, anti-theft, defensive driver, air bag, and good student.
  • Mercury Insurance offers discounts for good student, accident-free, annual mileage, multi-policy, good driver, and professional/association.
  • GEICO includes discounts for anti-theft, daytime running lights, seat belt use, multi-vehicle, anti-lock brakes, five-year accident-free, and federal employee.
  • AAA offers discounts including AAA membership discount, multi-car, pay-in-full, anti-theft, good student, and education and occupation.
  • State Farm has discounts for good student, safe vehicle, student away at school, anti-theft, and good driver.

If you want low cost insurance quotes, ask every company which credits you are entitled to. A few discounts might not apply in your area.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For instance, these questions can aid in determining if you will benefit from professional help.

  • Why does it cost so much to insure a teen driver?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my custom paint covered by insurance?
  • I have a DUI can I still get coverage?
  • Can I get a multi-policy discount?
  • Can I afford low physical damage deductibles?
  • When can I cancel my policy?
  • Does liability extend to a camper or trailer?
  • Am I covered when delivering products for my home-based business?
  • What exactly is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as ambulance fees, pain medications, surgery, X-ray expenses and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, emergency aid, medical services, pain and suffering and court costs. How much coverage you buy is up to you, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Jeep Wrangler.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, hail damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, rolling your car, scraping a guard rail, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.