1994 Jeep Wrangler Car Insurance Quotes – 8 Ideas for Best Rates

Want lower insurance coverage rates for your Jeep Wrangler? Did you make the mistake of buying overpriced insurance coverage? Trust us when we tell you there are many drivers thinking the same thing. Insurance companies such as GEICO, Farmers Insurance and State Farm promote their brand names with catchy ads and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

You should make it a habit to get comparison quotes once or twice a year because insurance prices are rarely the same from one policy term to another. Just because you had the best price for Wrangler insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to teach you one of the best ways to save on insurance coverage.

How to buy car insurance

The majority of larger companies like State Farm, Allstate and GEICO allow you to get prices direct online. Getting quotes is very simple as all you need to do is type in your required coverages into the form. Upon sending the form, their system gets reports for credit and driving violations and returns a price quote. This simplifies rate comparisons, but the work required to visit different websites and fill out multiple forms is monotonous and tiresome. But it’s also necessary to do this in order to find the lowest car insurance rates.

The quickest way to find better car insurance pricing requires only one form to get prices from many companies. It saves time, eliminates form submissions, and makes rate comparisons a lot less work. Immediately after you send the form, it is rated with multiple companies and you can pick any or none of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process can be completed in a matter of minutes and may save quite a bit of money.

To quickly fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you have a policy now, it’s recommended you input as shown on your current policy. Doing this guarantees you are getting a price comparison for exact coverage.

Advertising myths

Consumers constantly see and hear ads for auto insurance savings by State Farm, Allstate and GEICO. All the companies tend to make the same promise about saving some big amount just by moving your coverage to them.

How is it possible that every company can cost less than your current company?

Companies have specific guidelines for a prospective insured they prefer to insure. A good example of this type of risk profile might be described as a married male, has had continuous coverage, and drives a lower-performance vehicle. Any new insured that fits those parameters will get low rates and therefore will save some money.

Insureds who fall short of these stringent criteria may be required to pay a higher premium and business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save money. That’s the way companies can advertise the savings.

This illustrates why you really need to compare as many free car insurance quotes as you can. It’s just not possible to know which auto insurance company will have the best rates.

Earn discounts to get lower-cost auto insurance quotes

Auto insurance is easily one of your largest bills, but you might find some hidden discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be asked about before you get the savings.

  • Accident Forgiveness Coverage – Not necessarily a discount, but companies like GEICO, State Farm, and Progressive will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts could save 15% off the medical payments premium.
  • Responsible Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates for Wrangler insurance than their less cautious counterparts.
  • Accident Free – Claim-free drivers can earn big discounts as compared to insureds who have frequent claims or accidents.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
  • Discount for Low Mileage – Driving fewer miles may allow you to get better premium rates on cars that stay parked.
  • Professional Organizations – Being in a qualifying organization could earn you a nice discount on your bill.
  • College Student Discount – Kids who live away from home at college and don’t have a car can receive lower rates.

As is typical with insurance, most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

If you would like to view companies who offer cheap auto insurance quotes, click here to view.

Tailor your insurance coverage to you

When buying coverage, there isn’t really a one size fits all plan. Every situation is different so your insurance should reflect that For instance, these questions may help you determine if your insurance needs may require specific advice.

  • What if I don’t agree with a claim settlement offer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is medical payments coverage?
  • Can I afford low physical damage deductibles?
  • Am I covered if hit by an uninsured driver?
  • Can I drive in Mexico and have coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • How much underlying liability do I need for an umbrella policy?
  • What are the best liability limits?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Coverage specifics

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Collision insurance

This coverage covers damage to your Wrangler resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, scraping a guard rail, driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for prosthetic devices, rehabilitation expenses and X-ray expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

This coverage will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

This will pay to fix 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 insurance covers claims like hitting a deer, falling objects, fire damage, hitting a bird and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for 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 doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

In Summary

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

We just showed you many ideas to compare 1994 Jeep Wrangler insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the most savings is with a small mutual company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

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