How Much Does 1997 Jeep Wrangler Insurance Cost?

Want better auto insurance rates for your Jeep Wrangler? Paying for high-priced Jeep Wrangler insurance can dwindle your checking account and make it hard to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

The method we recommend to compare car insurance rates is to take advantage of the fact all the major auto insurance companies will pay a fee to compare rate quotes. All you need to do is spend a couple of minutes providing details such as if it has an alarm system, if you’re married, whether you have decent credit, and how much you drive. That rating data gets sent immediately to all major companies and you receive quotes within a short period of time.

To find the cheapest insurance rates, click here and find out if lower rates are available.

How to save on 1997 Jeep Wrangler insurance

Car insurance is not cheap, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked for prior to getting the savings.

  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount when buying car insurance on Wrangler coverage.
  • Low Mileage Discounts – Fewer annual miles on your Jeep could be rewarded with a substantially lower rate.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Homeowners Discount – Owning a home can save you money because maintaining a house requires personal responsibility.

It’s important to note that some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount will help reduce the amount you have to pay.

For a list of companies with the best car insurance discounts, follow this link.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • How high should deductibles be on a 1997 Jeep Wrangler?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my state a no-fault state?
  • Am I covered when driving on a suspended license?
  • Does my 1997 Jeep Wrangler need full coverage?
  • What is covered by UM/UIM coverage?
  • I don’t drive much so do I pay less?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Factors that can influence Jeep Wrangler insurance rates

Consumers need to have an understanding of the factors that go into determining insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that could result in better insurance rates.

Listed below are some of the factors companies use to determine premiums.

  • Having a spouse can save you money – Getting married can actually save you money when buying insurance. Having a significant other usually means you are more mature than a single person and statistics show married couples file fewer claims.
  • How many coverages with the same company – Most companies give discounts to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Bump up deductibles to save – Physical damage deductibles represent how much money you are willing to pay in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more money you have to pay, the lower your rates will be on Wrangler coverage.
  • Policy add-ons can waste money – There are a ton of additional coverages that you can buy on your Wrangler policy. Coverages like roadside assistance, towing coverage and additional equipment coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations like real estate brokers, executives and financial analysts tend to have higher average rates attributed to high stress and long work days. Conversely, professions such as actors, engineers and homemakers receive lower rates on Wrangler coverage.
  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Jeep is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Insurance coverage specifics

Having a good grasp of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1997 Jeep Wrangler.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for funeral costs, X-ray expenses, rehabilitation expenses, pain medications and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision protection

This coverage pays for damage to your Wrangler resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance

Liability coverage can cover damage that occurs to a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like court costs, bail bonds, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, fire damage, hail damage, falling objects and hitting a deer. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

One last thing about your coverage

You just read a lot of ways to compare 1997 Jeep Wrangler insurance prices online. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a small mutual company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured dropped full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Additional detailed information is located by following these links: