How Much Does 1998 Jeep Wrangler Insurance Cost?

Are you intimidated by the crazy number of car insurance sources that you can choose from? Lot’s of other drivers are too. People have so many sources available that it can be a real difficult job to find the lowest price.

Consumers need to get comparison quotes yearly because prices are constantly changing. Despite the fact that you may have had the best price for Wrangler coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use the internet to reduce your cost while increasing coverage.

How to compare car insurance quotes

There are several ways to shop for car insurance, and some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use the web to get prices fast.

The majority of car insurance companies belong to an insurance system that allows shoppers to submit one quote, and each company returns a competitive quote based on the submitted data. This saves time by eliminating quote requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to pick from a list of companies for rate comparison, we have assembled a list of car insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to use the exact same information for each price quote. If you enter higher or lower deductibles you will not be able to determine the best price for your Jeep Wrangler. Slightly different limits could throw off the whole comparison. And when comparison shopping, making a lot of price comparisons increases the change that you will find more affordable insurance.

Get cheaper car insurance rates with discounts

Auto insurance companies don’t always list all available discounts very clearly, so below is a list both well-publicized and the harder-to-find car insurance savings.

College Student Discount – College-age children who live away from home to go to college and won’t have access to an insured vehicle can be insured at a reduced rate.
Professional Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break on your policy.
Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy some life insurance too.
55 and Retired – Drivers over the age of 55 can get a small decrease in premiums for Wrangler coverage.
Telematics Data Discounts – Insureds that choose to allow driving data submission to spy on driving patterns by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if their driving habits are good.
ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
Accident Forgiveness – This isn’t a discount exactly, but companies like Allstate and Geico may permit one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
Discounts for Cautious Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Wrangler coverage than less cautious drivers.
Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your insurance quote.
No Claim Discounts – Insureds who avoid accidents and claims can save substantially as opposed to policyholders that have many claims.

It’s important to note that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, car insurance companies aren’t that generous.

Large car insurance companies and a selection of discounts are shown below.

Travelers policyholders can earn discounts including early quote, save driver, multi-car, payment discounts, driver training, and good student.
21st Century may offer discounts for anti-lock brakes, theft prevention, homeowners, automatic seat belts, and teen driver.
State Farm offers premium reductions for safe vehicle, accident-free, good driver, multiple policy, anti-theft, good student, and Drive Safe & Save.
Geico discounts include membership and employees, seat belt use, anti-theft, military active duty, air bags, and emergency military deployment.
SAFECO may include discounts for teen safe driver, multi-car, accident prevention training, teen safety rewards, homeowner, anti-theft, and anti-lock brakes.
AAA has savings for AAA membership discount, multi-car, anti-theft, multi-policy, good driver, pay-in-full, and good student.

Double check with each company or agent to apply every possible discount. Some of the discounts discussed earlier may not be available in your area. To see a list of companies that offer discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

Am I covered if I break a side mirror?
Do I pay less for low miles?
How can I find cheaper teen driver insurance?
Do I need PIP coverage since I have good health insurance?
Will my vehicle be repaired with OEM or aftermarket parts?
Should I file a claim if it’s only slightly more than my deductible?
How many claims can I have before being cancelled?
Do I really need UM/UIM coverage?
Am I covered when driving in Canada or Mexico?
Is motorclub coverage worth it?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage specifics

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, theft and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as rehabilitation expenses, prosthetic devices and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverage

This coverage pays for damage to your Wrangler caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, sideswiping another vehicle, crashing into a ditch, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage can cover damage that occurs to other people or property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like structural damage, legal defense fees, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Jeep Wrangler.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.