Lower Your 1990 Jeep Wagoneer Car Insurance Rates

Trying to find lower car insurance rates for your Jeep Wagoneer? Have you fallen victim to overpriced car insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy. Companies like State Farm, Progressive and Geico all promote huge savings with ad campaigns and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

Consumers need to compare prices occasionally since insurance rates are rarely the same from one policy term to another. If you had the lowest price on Wagoneer coverage on your last policy there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance on the internet, so with this article, you’re going to get the easiest ways to save money.

Complexity of Jeep Wagoneer insurance rates

An important part of buying insurance is that you know the factors that come into play when calculating your auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Policy add-ons can waste money – There are quite a few additional coverages that you can get tricked into buying if you aren’t careful. Coverages like vanishing deductibles, accidental death and additional equipment coverage may be wasting your money. These coverages may sound good at first, but now you might not need them so get rid of them and save.
  • Do men or women drive better? – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women are in accidents in similar numbers, but the men have costlier accidents. Men also statistically receive more costly citations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
  • Discounts for married couples – Being married helps lower the price on your auto insurance policy. Marriage means you’re more mature and responsible it has been statistically shown that married couples file fewer claims.
  • How your age affects price – Mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Young drivers have a tendency to get distracted easily in a vehicle and because of this, their auto insurance rates are much higher.
  • Your job and insurance rates – Careers like lawyers, architects and dentists have the highest average rates due to job stress and long work hours. Other jobs such as pilots, historians and the unemployed get better rates on Wagoneer coverage.
  • No coverage gaps is important – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your insurance expire. Not only will rates go up, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • Don’t skimp on liability – The liability section of your policy is the coverage that protects you if ever a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Big city or small town – Choosing to live in small towns and rural areas is a positive aspect when it comes to auto insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident and a lower car theft rate.

The quickest method we recommend to get policy rate comparisons takes advantage of the fact almost all companies provide online access to give free rates quotes. The only thing you need to do is give them some information like driver ages, if you have an active license, an estimate of your credit level, and the make and model of your vehicles. Those rating factors is then sent to insurance carriers in your area and they provide comparison quotes immediately.

Is there truth in advertising?

Consumers can’t ignore all the ads for the lowest price auto insurance by Geico, State Farm and Progressive. All the ads have a common claim about savings if you switch to their company.

How can each company claim to save you money?

Insurance companies have a certain “appetite” for the type of driver that earns them a profit. For example, a desirable insured might be between 25 and 40, owns a home, and drives less than 10,000 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably cut their rates substantially.

Drivers who don’t meet these standards will have to pay more money and this can result in business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save money. That’s the way companies can truthfully make those claims. Because of the profiling, it’s extremely important to get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.

Cut your auto insurance rates with discounts

Car insurance companies don’t always list every discount very clearly, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • One Accident Forgiven – Certain companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Student in College – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Check with all companies you are considering which discounts they offer. All car insurance discounts might not be offered in your area.

You are unique and your auto insurance should be too

When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Are rental cars covered under my policy?
  • What is the rate difference between pleasure use and commuting?
  • What vehicles should carry emergency assistance coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I better off with higher deductibles on my 1990 Jeep Wagoneer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if hit by an uninsured driver?
  • How much liability coverage do I need in my state?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage considerations

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses like EMT expenses, prosthetic devices, surgery and nursing services. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Jeep Wagoneer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Liability coverages

This can cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for 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 commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, structural damage, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Pennies from heaven

You just learned some good ideas how you can reduce 1990 Jeep Wagoneer insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the best price on auto insurance is with the least-expected company. These companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

Low-cost insurance is definitely available online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and these small insurance companies work with independent agents.

Even more information can be found at these sites: