How Much Does 1995 Jeep Wrangler Insurance Cost?

I doubt anyone looks forward to buying auto insurance, especially knowing their premiums are too high.

Popular companies such as Progressive, Geico and Farmers Insurance all promote huge savings with TV and radio ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

Which auto insurance is cheapest?

Most of the larger companies allow consumers to get pricing direct online. Comparing prices online doesn’t take a lot of time as you just type in your coverage preferences as requested by the quote form. When complete, the system pulls reports for credit and driving violations and returns pricing information. Online price estimates makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively type in the same data is not the best way to spend an afternoon. But it’s also necessary to compare as many rates as possible in order to find the lowest price.

A less time-consuming method to compare auto insurance pricing uses just one form to return rates from several different companies. It’s a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable and efficient. After sending your information, it is rated and you are able to buy your choice of the pricing results.

If the quotes result in lower rates, you can click and sign and buy the policy. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to compare rates now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you duplicate your coverages identical to your current policy. This way, you will get an apples-to-apples comparison for the exact same coverage.

Verify you’re receiving every discount

Some insurance providers don’t always advertise every policy discount very well, so below is a list some of the more common and also the lesser-known credits that may apply to you.

  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote for Wrangler insurance as compared to drivers with claims.
  • Accident Forgiveness – Not really a discount, but companies like Geico and Allstate will allow you to have one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Military Deployment Discount – Having a deployed family member could trigger a small discount.
  • Theft Prevention Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.

Don’t be shocked that some credits don’t apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. So even though you would think you could get a free auto insurance policy, you won’t be that lucky.

Some companies that may include many of the previously listed discounts include:

Check with each company to apply every possible discount. Discounts might not apply in every state. To locate auto insurance companies with discount rates, follow this link.

When should I discuss my situation with an agent?

When buying coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover whether or not you might need professional guidance.

  • Which companies will insure high-risk drivers?
  • When should I not file a claim?
  • Do I need motorclub coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • At what point should I drop full coverage?
  • Should I rate my 1995 Jeep Wrangler as pleasure use or commute?
  • Should I waive the damage coverage when renting a car?
  • Do I need more liability coverage?
  • How can I get my company to pay me more for my totalled car?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance specifics

Learning about specific coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like funeral costs, ambulance fees, X-ray expenses, dental work and chiropractic care. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, rock chips in glass and hitting a deer. The maximum payout 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.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, loss of income, court costs, bail bonds and pain and suffering. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your 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 is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.