Lower Your 1993 Jeep Wrangler Insurance Cost

Pricey insurance coverage can consume your budget and force you to make sacrifices. Doing a price comparison is an excellent way to tighten up your finances.

Vehicle owners have many insurance companies to choose from, and even though it’s nice to have multiple companies, so many choices can make it hard to adequately compare rates.

Smart consumers take time to shop coverage around once or twice a year because insurance coverage prices change quite often. Despite the fact that you may have had the best rate on Wrangler coverage last year you will most likely find a better premium rate today. Forget all the misinformation about insurance coverage because I’m going to teach you the tricks you need to know to find lower rates on insurance coverage.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will be able to save some money using these tips. Vehicle owners just need to know the most effective way to get comparison quotes online.

Compare auto insurance rates

There are a lot of ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

Most of the best insurance companies participate in an industry program that allows shoppers to complete one form, and each participating company provides a quote for coverage. This eliminates the need for quote requests for each company.

To compare pricing click to open in new window.

The one disadvantage to getting quotes like this is you are unable to specify which companies you will receive quotes from. So if you want to select individual companies to request quotes from, we put together a list of auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make sure you compare equivalent coverages for each price quote. If your comparisons have different data it will be nearly impossible to make a fair rate comparison.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise their entire list of discounts very clearly, so we break down some of the more common as well as some of the hidden ways to save on insurance.

  • Multiple Vehicles – Buying a policy with multiple cars or trucks with the same insurance company may reduce the rate for each vehicle.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
  • Responsible Driver Discounts – Drivers who don’t get into accidents may save up to 50% more on Wrangler coverage than less cautious drivers.
  • Early Signing – Some companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings of more than 20%.

Don’t be surprised that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.

A list of companies and some of their more popular discounts can be read below.

  • Farm Bureau may have discounts that include safe driver, youthful driver, 55 and retired, multi-vehicle, renewal discount, and good student.
  • MetLife policyholders can earn discounts including defensive driver, multi-policy, claim-free, good student, accident-free, good driver
  • Progressive may include discounts for continuous coverage, homeowner, online signing, online quote discount, multi-policy, and good student.
  • AAA offers discounts for education and occupation, anti-theft, good driver, multi-car, AAA membership discount, and pay-in-full.
  • American Family has discounts for air bags, TimeAway discount, Steer into Savings, mySafetyValet, defensive driver, and good driver.
  • Geico discounts include emergency military deployment, driver training, good student, anti-theft, and federal employee.
  • State Farm offers discounts including student away at school, defensive driving training, multiple autos, Steer Clear safe driver discount, and accident-free.

If you are trying to find cheaper car insurance quotes, ask each company or agent the best way to save money. Some credits might not be available to policyholders in your state. For a list of insurers with the best insurance discounts, click here to view.

Informed drivers can lower insurance rates

Lots of things are considered when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but some are less apparent such as your credit history and annual miles driven.It’s important that you understand the factors that play a part in calculating the price you pay for car insurance. When you understand what determines premiums, this allows you to make educated decisions that may result in lower premium levels.

Shown below are some of the items used by your company to calculate rates.

  • High coverage deductibles cost less – Physical damage insurance, aka comp and collision, insures against damage to your Jeep. Examples of covered claims could be a dented fender, hail damage, and windstorm damage. Physical damage deductibles are the amount of money you are required to spend if the claim is covered. The more expense you have to pay, the less money you will pay for car insurance on Wrangler coverage.
  • Liability protection safeguards assets – Liability insurance kicks in if you are responsible for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Reduce premiums by staying claim free – Companies provide better rates to people that do not abuse their auto insurance. If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Always have car insurance – Not having insurance can get you a ticket and companies may charge more for letting your coverage have a gap. Not only will you pay higher rates, getting caught without coverage may earn you a license revocation or jail time.

Car insurance is unique, just like you

When choosing coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine if your insurance needs might need professional guidance.

  • If my 1993 Jeep Wrangler is totaled, can I afford another vehicle?
  • Should I buy additional glass protection?
  • Can I still get insurance after a DUI?
  • Should I have combined single limit or split liability limits?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need rental car coverage?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, 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 may give you better protection.

Auto insurance advertising gotchas

Drivers can’t get away from all the ads for cheaper auto insurance from companies such as Progressive, Geico, Allstate and State Farm. They all seem to make the same claim that people will save if you just switch to their company.

It sounds good, but how can they all have lower policy pricing? It’s all in the numbers.

Most companies have a certain “appetite” for the type of driver that makes them money. A good example of a profitable customer could possibly be over the age of 45, insures multiple vehicles, and has a high credit rating. A customer that fits those parameters will most likely get cheap rates and will most likely save some money.

People who are not a match for these criteria will probably have to pay higher rates which translates to the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings. This really emphasizes why you really should quote coverage with many companies. It’s impossible to know which insurance companies will fit you best based on your risk profile.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by car insurance companies.

Liability car insurance – This protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, emergency aid, court costs and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses for rehabilitation expenses, EMT expenses, funeral costs, pain medications and prosthetic devices. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverages – Collision insurance covers damage to your Wrangler resulting from a 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 pays for claims like damaging your car on a curb, backing into a parked car, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Jeep Wrangler.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, damage from a tornado or hurricane and hitting a bird. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

A fool and his money are soon parted

Lower-priced auto insurance can be purchased online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide internet price quotes and usually these regional insurance providers prefer to sell through independent insurance agents.

Throughout this article, we presented some good ideas how you can shop for 1993 Jeep Wrangler insurance online. The most important thing to understand is the more companies you get prices for, the better your comparison will be. Consumers could even find that the most savings is with a small mutual company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

As you quote car insurance, don’t be tempted to skimp on coverage in order to save money. There have been many situations where someone sacrificed liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.

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