Lower Your 2004 Jeep Wrangler Car Insurance Quotes

Searching for lower car insurance rates for your Jeep Wrangler? Did a good deal turn out to be an underperforming, overpriced car insurance policy? Don’t feel bad because many drivers have buyer’s remorse.

Consumers have many insurers to pick from, and although it’s nice to have a choice, lots of choices makes it harder to get the best deal.

It’s a great practice to shop coverage around occasionally because car insurance rates are constantly changing. Even if you think you had the best rate on Wrangler coverage six months ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about car insurance because you’re about to learn the only way to find lower rates on car insurance.

Finding affordable coverage is easy if you know what you’re doing. Essentially anyone who is required by state law to have car insurance stands a good chance to be able to find better rates. Although consumers benefit from understanding how big insurance companies price online insurance.

The method we recommend to compare rates is to understand all the major auto insurance companies participate in a system to compare their rates. All consumers are required to do is give them rating details like if you’re married, how much education you have, whether or not you need a SR-22, and daily mileage. That information is instantly submitted to many of the top insurers and you receive quotes instantly.

Everyone needs different auto insurance coverages

When buying the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might help in determining if you might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • Why am I required to get a high-risk car insurance policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Who is covered by my policy?
  • Does my car insurance cover rental cars?
  • What companies insure drivers after a DUI or DWI?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Specific coverages for a 2004 Jeep Wrangler

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides 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 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 is very important.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses like funeral costs, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverage – This pays for damage to your Wrangler caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability – Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It 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 for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like attorney fees, bail bonds, court costs and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive auto coverage – 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 such as rock chips in glass, hail damage, theft, hitting a bird and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.