2002 Jeep Wrangler Insurance Quotes

Are you irritated from scraping the payment together to insure your Jeep every month? Your situation is no different than the majority of other vehicle owners.

Due to the abundance of choices, it is very difficult to find the lowest cost company.

You need to price shop coverage quite often because prices are adjusted regularly by insurance companies. Even if you got the best rates for Wrangler insurance two years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the right way to reduce your cost while improving coverage.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. But vehicle owners can benefit by having an understanding of the way companies price online insurance and use this information to your advantage.

Ways to get car insurance price quotes

There are a variety of methods to shop for car insurance, but some are less labor-intensive and much quicker. You could spend the better part of a day driving to agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Most car insurance companies belong to a marketplace where insurance shoppers complete one form, and every company then returns a price quote for coverage. This system prevents you from having to do quote forms for each company.

To find out how much you can save on car insurance click here to start a free quote.

The only downside to comparing rates this way is you are unable to specify the insurers you will receive quotes from. So if you want to select from a list of companies to compare prices, we put together a list of car insurance companies in your area. Click to view list.

It’s up to you which method you use, but be certain you are entering the same information on every price quote you get. If the quotes have different liability limits it’s not possible to determine the lowest rate for your Jeep Wrangler. Having just a slight variation in coverage limits could throw off the whole comparison. And when comparison shopping, making a lot of price comparisons will improve the odds of getting the best price.

Insurance coverage rates and discounts

Insurance coverage is not an enjoyable expense, but there’s a good chance there are discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of quoting, but some discounts are required to be asked for before being credited.

• Telematics Devices – Drivers who elect to allow their insurance coverage company to study their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they are good drivers.
• Sign Online – A handful of companies will give you a small discount for buying your policy over the internet.
• Active Service Discounts – Being on active deployment in the military may lower your insurance coverage rates slightly.
• Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.
• Organization Discounts – Having an affiliation with qualifying clubs or civic groups may earn a discount on your next insurance coverage statement.
• Air Bag Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of 25 to 30%.
• Buy New and Save – Buying a new car instead of a used car can save up to 30% since new model year vehicles have better safety ratings.
• No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote as compared to insureds who have frequent claims or accidents.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount should definitely cut the amount you pay for coverage.

To view companies with discount rates, click here to view.

Situations that may require an agent’s advice

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

• How much liability insurance is required?
• At what point should I drop full coverage?
• Can I afford to pay high deductible claims out of pocket?
• Why am I be forced to buy a membership to get insurance from some companies?
• Why am I required to buy high-risk coverage?
• Is upholstery damage covered by car insurance?
• Am I covered if I crash into my own garage door?
• Do I have coverage when making deliveries for my home business?
• What is the ISO rating for a 2002 Jeep Wrangler?
• How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverage information

Having a good grasp of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hail damage, damage from flooding and hitting a bird. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This pays for damage to your Wrangler resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, rolling your car, colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability insurance can cover damage or injury you incur to other people or property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like medical services, loss of income and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for rehabilitation expenses, surgery, EMT expenses, prosthetic devices and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage