1993 Jeep Wrangler Insurance Rates

Trying to find lower insurance coverage rates for your Jeep Wrangler? Are you intimidated by the sheer number of insurance coverage choices? You have a lot of company. You have so many choices that it can be a lot of work to find lower rates.

How to Get Car Insurance Comparison Quotes

When shopping for car insurance there are multiple ways of comparing price quotes and find the best price. The best method to find the lowest 1993 Jeep Wrangler rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating separate quote forms for each company you want a rate for. Taking the time to complete one form gets you coverage quotes from car insurance companies with the best prices.It’s the quickest way to get rates.
A less efficient way to obtain and compare quotes online requires a visit to each company’s website and complete a new quote form. For sake of this example, let’s assume you want rates from State Farm, Geico and Allstate. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.
For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare exactly the same coverages for every quote you compare. If you compare mixed coverages you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages may cause a big price difference. Just remember that quoting more will increase your chances of finding the best offered rates.

Tailor your coverage to you

When buying the right insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

Which is better, split liability limits or combined limits?
Does my car insurance cover rental cars?
Exactly who is provided coverage by my policy?
Is my trailer covered?
How can I get high-risk coverage after a DUI?
When should my teen driver be added to my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Coverages available on your auto insurance policy

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

This provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as loss of income, pain and suffering, structural damage, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like dental work, surgery and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

UM/UIM Coverage

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

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for collisions

This will pay to fix damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, sideswiping another vehicle, crashing into a ditch, crashing into a building 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 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, damage from flooding, damage from a tornado or hurricane and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.