2001 Jeep Wrangler Car Insurance Quotes

Looking for lower insurance rates for your Jeep Wrangler? Feel like you’re a prisoner to overpriced insurance? Trust us, there are a lot of people just like you who feel imprisoned by their insurance policy. There are many auto insurance companies to choose from, and even though it’s nice to have a selection, having more insurance companies makes it harder to compare rates.

It’s important to shop coverage around quite often because rates are rarely the same from one policy term to another. Just because you had the lowest price for Wrangler coverage a few years ago you will most likely find a better rate today. Forget all the misinformation about insurance because you’re about to learn how to use the internet to find great coverage at a great price.

How to Get Insurance Comparison Quotes

Finding cheaper 2001 Jeep Wrangler insurance prices is actually quite simple. You just have to invest a few minutes comparing price quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The recommended way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method prevents you from having to do separate quote forms for each company you want a rate for. One form compares rates from many national carriers.
  2. A less efficient way to get comparison quotes requires a visit to the website of each company to complete their respective quote request forms. For sake of this example, let’s assume you want to compare rates from Farmers, 21st Century and GMAC. To get each rate you have to visit each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but ensure you are comparing identical coverages and limits for every company. If you are comparing different deductibles it will be impossible to make a fair comparison for your Jeep Wrangler.

Jeep Wrangler insurance rates can be determined by these details

An important part of buying insurance is that you know the factors that go into determining the price you pay for car insurance. Knowing what determines base rates helps enable you to make changes that could result in better car insurance rates.

  • One company can mean more discounts – The majority of companies will give a discount to insureds who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to compare rates to verify if the discount is saving money.
  • Never let your coverage lapse – Driving with no insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage will get you a license revocation or jail time.
  • Poor driving leads to higher costs – Your driving record has a huge affect on how much you pay. Even a single speeding ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums than people who have multiple driving citations. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Add-on coverages can add up – There are a lot of extra bells and whistles that can waste your money when buying car insurance. Insurance for personal injury protection, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so eliminate the coverages to reduce your premium.
  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and better occupant protection means lower claim amounts and lower rates for you. If your Jeep Wrangler scored better than four stars on Safercar.gov it may be receiving lower rates.
  • How your age affects price – Teenage drivers have a tendency to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • Your location is important – Residing in less populated areas is a positive aspect when it comes to car insurance. Fewer people means a lower chance of having an accident. City drivers have to deal with more traffic problems and longer commute times. More time on the road translates into higher accident risk.
  • Frequent car insurance claims increase rates – If you file claims often, you can expect either policy cancellation or increased premiums. Auto insurance companies award better rates to policyholders who do not file claims often. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Companies offer discounts so take them!

Auto insurance companies don’t always advertise all available discounts in a way that’s easy to find, so we researched some of the more common and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount available, you are throwing money away.

  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Accident Forgiveness – Certain companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
  • Clubs and Organizations – Being a member of a qualifying organization may earn a discount when shopping for car insurance for Wrangler coverage.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates you could get a free car insurance policy, companies wouldn’t make money that way.

A partial list of companies that possibly offer these discounts may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. Discounts might not apply in your area.

Do I just need basic coverages?

When it comes to buying the best insurance coverage, there really is not a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Is my dog or cat covered if injured in an accident?
  • Can I afford to buy a different vehicle if my 2001 Jeep Wrangler is totaled?
  • Is my custom paint covered by insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • When would I need additional glass coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability insurance is required?
  • What happens if I owe more than my 2001 Jeep Wrangler is worth?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages available from auto insurance companies.

Comprehensive auto coverage

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

Comprehensive insurance covers claims such as hitting a deer, fire damage, falling objects and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2001 Jeep Wrangler.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

Liability coverage can cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, medical expenses, loss of income and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like hospital visits, EMT expenses, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This 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 the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

You can do this!

Lower-priced 2001 Jeep Wrangler insurance can be purchased from both online companies and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

You just read a lot of tips how to get a better price on insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance coverage comes from some of the smallest insurance companies. They may cover specific market segments cheaper compared to the large companies like Geico and State Farm.

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