Compare 1998 Jeep Wrangler Car Insurance Cost

Paying for high-priced Jeep Wrangler insurance can take a big chunk out of your savings account and put the squeeze on your family’s finances. Doing a price comparison is a great way to slash your bill and have more diposable income. Drivers have so many car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, lots of choices makes it harder to get the best deal.

Free Insurance Quotes

Performing a rate comparison can be exhausting if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) driving to insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many companies belong to a marketplace that enables customers to submit their information once, and every company then returns a price quote. This system prevents you from having to do quote forms for every insurance company.

To compare 1998 Jeep Wrangler rates now click here to open in new window.

The one downside to pricing coverage this way is you can’t choose the insurers you want pricing from. If you would rather choose specific providers for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here to view list.

However you get your quotes, be sure to compare exactly the same quote information for every company. If each company quotes different liability limits you will not be able to truly determine the lowest rate.

Save $414 a year. For real?

Consumers can’t get away from ads that promise big savings by State Farm, Geico and Progressive. They all say the same thing that you can save after switching to their company.

How do they all make the same claim?

All companies can use profiling for the right customer they prefer to insure. An example of a driver they prefer might be profiled as over the age of 40, a clean driving record, and drives newer vehicles. Any new insured who matches those parameters is entitled to the best price and most likely will cut their rates substantially.

Potential customers who don’t qualify for the requirements will be charged more money which leads to the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save that much money. This is how insurance companies can make those claims.

That is why it’s extremely important to compare many company’s rates. You cannot predict which car insurance company will fit your personal profile best.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be inquired about in order for you to get them. If you don’t get every credit you qualify for, you are throwing money away.

  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • E-sign – A handful of insurance companies will give a small break for buying your policy on their website.
  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill depending on where you live.

It’s important to note that most discount credits are not given to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will bring down the amount you have to pay.

For a list of companies who offer auto insurance discounts, click here.

Situations that might require an agent

When it comes to buying coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine whether you could use an agent’s help.

  • Am I covered if I crash into my own garage door?
  • What vehicles should carry emergency assistance coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy additional glass protection?
  • Will filing a claim cost me more?
  • Is my state a no-fault state?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find 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. It only takes a few minutes and can help protect your family.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for EMT expenses, doctor visits, surgery and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Jeep Wrangler.

Because many people 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 very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on other people or property. This insurance 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. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as court costs, repair costs for stationary objects, medical expenses, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Wrangler caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

A penny saved is a penny earned

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There have been many cases where someone dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your goal should be to purchase plenty of coverage at an affordable rate.

We just presented a lot of techniques to reduce 1998 Jeep Wrangler insurance prices online. The key concept to understand is the more you quote, the better your comparison will be. You may even discover the most savings is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Progressive or Geico.

Cost effective insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

More information can be found at the links below