How Much Does 2003 Jeep Wrangler Car Insurance Cost?

Searching for better car insurance rates for your Jeep Wrangler? Paying for overpriced Jeep Wrangler insurance can bleed your monthly budget and force you to make tough financial choices. Companies like Geico, Farmers Insurance and State Farm persitently shower you with ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.

Consumers should take time to compare rates occasionally since insurance rates change regularly. Just because you had the lowest premium rates on Wrangler insurance at your last renewal there is a good chance you can find better prices now. There is too much inaccurate information about car insurance out there, but in this article, you’re going to get some guaranteed methods to find affordable car insurance.

If you have a policy now or are looking for a new policy, you can follow these tips to find the best rates and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need an understanding of how to compare rates online.

Why your insurance prices might be higher

Many things are taken into consideration when you get your auto insurance bill. Some factors are common sense like your driving record, although others are more obscure like your continuous coverage or your vehicle rating.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the factors that help calculate the level of your policy premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that will entitle you to lower premium levels.

The following are a few of the “ingredients” used by companies to determine prices.

  • Raise your physical damage deductibles for better premiums – The deductibles are the amount of money you are willing to pay out-of-pocket if the claim is covered. Protection for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are a windshield broken by a bird, vandalism, and damage from wind. The higher the amount you’re willing to pay, the lower your rates will be on Wrangler insurance.
  • Eliminate unneeded add-on coverages – There are a ton of optional add-on coverages that you can get tricked into buying when buying insurance coverage. Coverage for things like personal injury protection, high-cost glass coverage, and motor club memberships may be wasting your money. These may sound like a good investment initially, but if they’re wasting money remove them from your policy.
  • How many coverages with the same company – Most major insurance companies apply better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you may still want to check prices from other companies to guarantee you are still saving the most.
  • Too many insurance claims drive up insurance coverage rates – If you file claims often, you can expect much higher rates or policy non-renewal. Auto insurance companies provide cheaper rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Better prices with anti-theft devices – Choosing to buy a car with an alarm system can help lower your premiums. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft.
  • Do men or women drive better? – Over the last 30 years, statistics show females are less aggressive when driving. It does not mean women are better drivers. Women and men cause auto accidents in similar numbers, but the men tend to have higher claims. Men also get higher numbers of serious violations like reckless driving and DUI.

How to compare free insurance price quotes

Shopping for lower insurance rates can be a daunting task if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking to agents in your area, or you can utilize the internet for quick rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and every company then returns a price quote determined by their information. This prevents consumers from doing quote requests for each company.

To fill out one form to compare multiple rates now click to open in new window.

The only drawback to using this type of system is you don’t know exactly which carriers you will receive quotes from. If you would rather choose specific providers to compare, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but try to use the exact same deductibles and coverage limits for every company. If the quotes have different coverage information you will not be able to make a fair comparison for your Jeep Wrangler.

Auto insurance discounts are available to slash your rates

Buying auto insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but some need to be specially asked for before they will apply. If you do not double check each discount you deserve, you could be paying more than you need to.

  • College Student Discount – Children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
  • Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction on Wrangler insurance with a few auto insurance companies.
  • Senior Discount – Drivers that qualify as senior citizens can get reduced rates on Wrangler insurance.
  • Professional Memberships – Participating in a civic or occupational organization is a simple method to lower premiums on auto insurance.
  • Passive Restraint Discount – Vehicles equipped with air bags can get savings of 20 to 30 percent.
  • Early Renewal Discounts – Some auto insurance companies reward drivers for switching companies prior to your current policy expiring. It could save around 10% when you buy car insurance online.
  • Seat Belt Discounts – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies allow you one accident before your rates go up if your claims history is clear prior to the accident.

You can save money using discounts, but most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, that’s just not realistic.

A few companies that possibly offer these discounts include:

If you are trying to find low cost car insurance quotes, ask each company or agent how you can save money. Some discounts listed above may not apply to policies in your area. To see a list of providers that offer multiple discounts, click here.

Everyone needs different auto insurance coverages

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • At what point should I drop full coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • When would I need rental car insurance?
  • How much liability do I need to cover my assets?
  • Does my 2003 Jeep Wrangler need full coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my Jeep Wrangler covered if I use it for business?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions, you might consider talking 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’s fast, free and you can get the answers you need.

Information about specific coverages

Learning about specific coverages of car insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and 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. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage

Collision insurance covers damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as medical expenses, medical services, attorney fees, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, theft and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like chiropractic care, pain medications, hospital visits, X-ray expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

As you prepare to switch companies, do not buy poor coverage just to save money. There have been many cases where an insured dropped collision coverage to discover at claim time that it was a big mistake. Your strategy should be to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

We’ve covered quite a bit of information on how to reduce 2003 Jeep Wrangler insurance auto insurance rates online. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding cheap car insurance. Drivers may discover the lowest auto insurance rates come from a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

Much more information about car insurance is available at these links: