1997 Jeep Wrangler Car Insurance Cost

Trying to find cheaper car insurance rates for your Jeep Wrangler? Searching for cheaper insurance for your Jeep Wrangler can normally be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to shop for car insurance so we’re going to tell you the best way to quote coverages on a Jeep and find the best price possible either online or from local insurance agents.

If you have insurance now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Shopping for the lowest cost auto insurance is simple if you know the tricks. Drivers only need to know the proper methods to get comparison quotes online.

Drivers save money with with these discounts

Some companies don’t always advertise their entire list of discounts in an easy-to-find place, so the following is a list of a few of the more common and the more hidden savings tricks you should be using when you buy insurance coverage online.

  • Save with More Vehicles Insured – Buying a policy with more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Homeowners Pay Less – Just owning your own home can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
  • Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates for Wrangler insurance than their less cautious counterparts.
  • Service Members Pay Less – Being on active duty in the military could mean lower auto insurance rates.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
  • Student Discounts – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. The discount lasts well after school through age 25.
  • Paper-free Discount – A few auto insurance companies will give you a small discount for buying your policy on your computer.
  • Multi-line Discount – Select insurance carriers reward you with a break if you buy some life insurance too.

Discounts lower rates, but most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few of the larger companies and the discounts they provide are outlined below.

  • GEICO discounts include membership and employees, multi-policy, anti-lock brakes, federal employee, and daytime running lights.
  • MetLife has savings for multi-policy, claim-free, good driver, good student, and defensive driver.
  • State Farm may include discounts for multiple policy, driver’s education, multiple autos, anti-theft, passive restraint, accident-free, and Steer Clear safe driver discount.
  • Progressive offers premium reductions for homeowner, online quote discount, online signing, continuous coverage, good student, and multi-vehicle.
  • Mercury Insurance has discounts for annual mileage, type of vehicle, age of vehicle, accident-free, and multi-car.
  • 21st Century policyholders can earn discounts including automatic seat belts, defensive driver, good student, 55 and older, homeowners, theft prevention, and teen driver.
  • Allstate offers discounts including safe driver, passive restraint, senior citizen, eSmart discount, good payer, and early signing.

If you need low cost insurance coverage quotes, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies everywhere.

Your situation helps dictate your coverage

When choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • How much liability insurance is required?
  • Should I sign the liability waiver when renting a car?
  • Is my Jeep Wrangler covered if I use it for business?
  • Am I covered if I hit a deer?
  • Is a fancy paint job covered?
  • What is the ISO rating for a 1997 Jeep Wrangler?
  • When can I cancel my policy?
  • What discounts do I qualify for?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

This coverage pays for damage to your Wrangler from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a building, backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, hospital visits, doctor visits and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding and theft. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.


Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like funeral expenses, medical expenses, emergency aid, medical services and loss of income. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

One last thing about your coverage

The cheapest 1997 Jeep Wrangler insurance is definitely available online as well as from insurance agents, so you need to shop insurance coverage with both to have the best rate selection. A few companies may not offer price quotes online and usually these smaller companies prefer to sell through independent insurance agents.

Drivers who switch companies do it for a number of reasons such as policy non-renewal, poor customer service, questionable increases in premium or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company can be pretty painless.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. Too many times, an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

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