Lower Your 1999 Jeep Wrangler Insurance Quotes

Trying to find better insurance prices for a Jeep Wrangler can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are more efficient ways to buy auto insurance and you need to know the quickest way to get price quotes for your Jeep and get the lowest price from both online companies and local agents.

You need to check auto insurance prices on a regular basis because auto insurance prices trend upward over time. Despite the fact that you may have had the best price for Wrangler coverage two years ago a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because you’re going to get a crash course in how to use the internet to find better rates and still maintain coverage.

Choosing the best insurance company for you is not rocket science. If you have insurance now or are just looking to switch companies, you can use these tips to shop for the lowest rates and still get good coverage. Consumers just need to understand how to shop for insurance online.

Take policy discounts and save

Car insurance can be pricey, but there may be some discounts that you may not even be aware of. Most are applied when you complete an application, but some discounts are required to be manually applied in order for you to get them.

• Resident Student – Kids who live away from home to go to college and do not have a car could get you a discount.
• Claim Free – Good drivers with no accidents can save substantially in comparison to accident-prone drivers.
• Buy New and Save – Buying a new car model may earn a small discount because new vehicles have to meet stringent safety requirements.
• Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Wrangler coverage compared to rates paid by drivers with frequent claims.
• More Vehicles More Savings – Buying coverage for more than one vehicle on a single policy can get a discount on all vehicles.
• Theft Deterent System – Cars optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Defensive Driver Discount – Taking part in a course teaching defensive driver skills can save you 5% or more and easily pay for the cost of the class.
• Own a Home – Owning a house can get you a discount because of the fact that having a home demonstrates responsibility.
• Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, car insurance companies aren’t that generous.

To choose insurance companies who offer free car insurance quotes, click here.

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Informed drivers know how to buy insurance coverage more affordably

Smart consumers have a good feel for a few of the rating criteria that go into determining insurance coverage rates. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that will entitle you to lower premium levels.

• Costs can change based on your address – Having an address in a rural area has it’s advantages when shopping for auto insurance. City drivers tend to have traffic congestion and much longer commute distances. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims.
• Deter vehicle theft – Choosing to buy a car that has a built-in theft deterrent system can save you some money. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
• Frequent insurance claims increase rates – Car insurance companies give cheaper rates to policyholders that do not abuse their auto insurance. If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is designed for major claims that would cause financial hardship.
• Get better rates if married – Having a significant other may cut your premiums compared to being single. Having a spouse usually means you are more mature than a single person and insurance companies reward insureds because married drivers get in fewer accidents.
• Lower rates by increasing coverage deductibles – The deductibles you choose tell how much you are willing to pay before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a stationary object, animal collisions, and damage from wind. The more expense you pay before a claim is paid (deductible), the lower your rates will be for Wrangler coverage.
• Don’t let your coverage lapse – Not maintaining insurance can get you a ticket and you will pay a penalty because you let your insurance expire. Not only will you pay more, being ticketed for driving with no insurance might get you a revoked license or a big fine.
• Lower rates for safer cars – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If the Jeep Wrangler scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Better credit means lower prices – Having a bad credit score will be a significant factor in your rate calculation. Drivers with excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit history can be improved, you may save money insuring your 1999 Jeep Wrangler by taking the time to improve your credit score.

Which policy gives me the best coverage?

When choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation could use an agent’s help.

• Is my 1999 Jeep Wrangler covered for smoke damage?
• Will my insurance pay for OEM parts?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I getting all the discounts available?
• Why do I need rental car insurance?
• Am I insured when driving a different vehicle?
• Is my babysitter covered when using my vehicle?
• Am I covered when pulling a rental trailer?
• Can I rent a car in Mexico?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

But they said I’d save $408 a year!

Drivers can’t ignore all the ads that claim the best car insurance rates from companies such as Allstate and Progressive. All the companies seem to make the promise about savings if you just switch your coverage.

How does every auto insurance company claim to save you money? You have to listen carefully.

All the different companies quote their best rates for the type of customer that earns them the highest profit. A good example of a desirable insured may be between the ages of 30 and 50, insures multiple vehicles, and drives a vehicle with a low ISO rating. Someone who matches that profile will most likely get cheap premium rates and will probably save money with a new company.

Drivers who don’t meet this ideal profile will get higher premium rates with the end result being business going elsewhere. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can make claims that they all have the best car insurance rates. Because each company has a different risk profile, you really need to compare price quotes frequently. It’s not possible to predict which insurance companies will fit you best based on your risk profile.

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Car insurance 101

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays for damage to your Wrangler caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, crashing into a building, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like medical expenses, structural damage, bail bonds, court costs and funeral expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for X-ray expenses, pain medications, chiropractic care and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Final thoughts

When you buy auto insurance online, you should never buy poor coverage just to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits only to regret that the savings was not a smart move. Your goal is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

Drivers switch companies for any number of reasons including delays in responding to claim requests, delays in paying claims, not issuing a premium refund or questionable increases in premium. It doesn’t matter what your reason, finding a great new company is actually quite simple.

Cheaper 1999 Jeep Wrangler insurance is definitely available on the web as well as from insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. Some companies do not offer the ability to get a quote online and these smaller providers prefer to sell through independent agencies.

Additional learning opportunities

• What is a Telematics Device? (Allstate)
• Teen Driving Statistics (iihs.org)
• Booster Seat Ratings (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Frontal Crash Tests (iihs.org)

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