2000 Jeep Wrangler Insurance Quotes – 7 Tips for Cheaper Rates

No one in their right mind looks forward to buying insurance coverage, especially when the cost is too high. Companies like Geico, Progressive and Allstate constantly bombard you with fancy advertisements and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

It’s important to check insurance coverage prices periodically because prices are constantly changing. Just because you found the lowest rates for Wrangler coverage six months ago you can probably find a better price now. There is too much inaccurate information about insurance coverage on the web, but I’m going to show you some guaranteed methods to quit paying high insurance coverage rates.

If you have insurance now or are just looking to switch companies, you can use this information to find the best rates and still get good coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners just need to understand the proper methods to shop their coverage around over the internet.

Vehicle Insurance Comparison

Most companies allow you to get price estimates online. The process is pretty easy as you simply type in your coverage preferences as detailed in the form. Behind the scenes, the company’s rating system will obtain information on your driving record and credit history and returns a price based on these factors. Online price quotes helps simplify price comparisons, but the time required to go to several different sites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to do this if you want to find the lowest possible prices on insurance.

Rate comparisons made easy

A quicker way to lower your insurance bill makes use of a single form that gets prices from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. After your information is entered, your coverage is rated and you can select any of the price quotes you receive.

If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to find out if lower rates are available, click here and fill out the form. If you have a policy now, it’s recommended you duplicate the coverage information just like they are on your policy. This makes sure you are getting comparison quotes for the exact same coverage.

How much car insurance do I need?

When it comes to choosing coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs would benefit from professional advice.

Does liability extend to a camper or trailer?
Am I better off with higher deductibles on my 2000 Jeep Wrangler?
Am I covered when driving someone else’s vehicle?
Will I be non-renewed for getting a DUI or other conviction?
Will I lose any money if I cancel my policy before it expires?
Can I afford to buy a different vehicle if my 2000 Jeep Wrangler is totaled?
Am I covered when using my vehicle for business?
Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Coverage specifics

Having a good grasp of your car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for ambulance fees, X-ray expenses, funeral costs, EMT expenses and doctor visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, medical services and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, hitting a deer, a broken windshield, damage from flooding and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

This will pay to fix damage to your Wrangler resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.