Looking for the cheapest auto insurance rates for your Jeep Wrangler? Tired of robbing Peter to pay Paul to insure your Jeep every month? Your situation is no different than many other drivers.
Multiple insurance companies compete to insure your vehicles, so it’s not easy to compare every provider to get the best rates possible.
It’s important that you understand a few of the rating criteria that go into determining insurance coverage rates. If you understand what determines premiums, this enables informed choices that can earn you better insurance coverage rates.
Companies don’t necessarily list all their discounts very clearly, so the following is a list of a few of the more well known and also the more inconspicuous ways to save on auto insurance. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.
As a footnote on discounts, some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.
A list of companies and the discounts they provide are shown below.
Before buying, ask every insurance company to give you their best rates. Some discounts might not be offered in your area. To see auto insurance companies that have a full spectrum of discounts, follow this link.
When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.
Collision coverages – This coverage will pay to fix damage to your Wrangler resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things like damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Jeep Wrangler.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like funeral costs, hospital visits, surgery, EMT expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay
Liability auto insurance – This provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability can pay for things like court costs, pain and suffering, loss of income and attorney fees. How much coverage you buy is up to you, but buy as large an amount as possible.
Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like damage from a tornado or hurricane, damage from flooding, rock chips in glass and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Cheap 1998 Jeep Wrangler insurance can be purchased both online and from local insurance agents, so you need to quote insurance coverage with both to get a complete price analysis. Some insurance companies may not have online quoting and many times these regional insurance providers sell through independent insurance agents.
As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. In many instances, an accident victim reduced full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.
You just read a lot of tips how to reduce 1998 Jeep Wrangler insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the most savings is with the least-expected company. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, GEICO and Nationwide.
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