Cheaper 1990 Jeep Wrangler Car Insurance Rates

Finding the cheapest insurance for a new or used Jeep Wrangler could be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.

There are both good and bad ways to find car insurance online and we’ll show you the quickest way to price shop coverage for your Jeep and locate the lowest price either online or from local insurance agents.

You need to shop coverage around occasionally because prices change frequently. Just because you had the lowest price for Wrangler insurance a couple years back you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

If you have insurance now or are just looking to switch companies, you can learn to get lower rates and still get good coverage. Finding cheaper coverage is simple if you know the tricks. Drivers only need an understanding of the proper way to compare prices online.

How much is insurance?

Reducing your 1990 Jeep Wrangler insurance rates doesn’t have to be difficult. You just need to invest a few minutes comparing price quotes from some recommended companies. It’s super easy and can be done using a couple different methods.

  • The most recommended method to compare a lot of rates at once is a comparison rater form click here to open form in new window. This style of form keeps you from doing separate forms for each company. Taking the time to complete one form will return price quotes from many national carriers. It’s the fastest way to compare.
  • A harder way to analyze rates requires visiting the website for every company you want to comare and repeat the quote process. For sake of this example, let’s say you want to see prices from Liberty Mutual, Progressive and American Family. You would need to go to each individual site and enter your policy data, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just be certain you are entering equivalent coverage limits for each price quote. If you have different coverage information then you won’t be able to determine the best price for your Jeep Wrangler.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Is extra glass coverage worth it?
  • How do I buy GAP insurance?
  • Do I need roadside assistance coverage?
  • Am I covered when driving a rental car?
  • Is rental equipment covered for theft or damage?
  • How can I force my company to pay a claim?
  • Is my 1990 Jeep Wrangler covered for smoke damage?
  • Am I covered if I hit my neighbor’s mailbox?

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. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, fire damage and hail damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses like EMT expenses, hospital visits and chiropractic care. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision coverage covers damage to your Wrangler resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, colliding with a tree, driving through your garage door, rolling your car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.


This coverage can cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like loss of income, medical services, court costs, medical expenses and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Wrangler.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.