1993 Jeep Wrangler Insurance Rates

Finding cheaper insurance for a new or used Jeep Wrangler can be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to find auto insurance online and we’ll show you the quickest way to quote coverages on a Jeep and locate the best price possible either online or from local insurance agents.

Pricing the cheapest protection is quite easy. If you have insurance now or are shopping for new coverage, you will benefit by learning to reduce the price you pay and still get good coverage. Drivers just need to know the proper methods to get comparison rates on the web.

Parts of the Jeep Wrangler rate equation

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get better insurance coverage rates.

  • Liability coverage is cheap – Liability coverage will protect you if a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Equipment add-ons that lower insurance coverage rates – Owning a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Credit scores impact insurance coverage rates – Your credit history is a huge factor in calculating your insurance coverage rates. So if your credit is not that good, you could pay less to insure your 1993 Jeep Wrangler by improving your rating. People with high credit ratings tend to be more responsible as compared to drivers with lower credit scores.
  • Your stress level may be raising your rates – Occupations like real estate brokers, architects and stock brokers are shown to have the highest rates attributed to job stress and lengthy work days. On the other hand, jobs such as actors, students and the unemployed pay the least for Wrangler insurance.
  • Teen drivers pay high rates – Teenage drivers are statistically proven to get distracted easily in a vehicle so they pay higher insurance coverage rates. Mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations.
  • Where you live is a factor – Living in small towns and rural areas has it’s advantages when it comes to insurance coverage. Urban drivers have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Do you know your deductibles? – Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and windstorm damage. The more expense the insured has to pay upfront, the less your insurance coverage will be for Wrangler insurance.

Save big with these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be specifically requested before you get the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Life Insurance Discount – Larger companies have a break if you buy life insurance.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Distant Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Clubs and Organizations – Being a member of a civic or occupational organization could qualify you for a break on your policy for Wrangler insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, you’re out of luck. But any discount will reduce your premiums.

A partial list of companies that may have some of the above discounts include:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not be available in your area.

But I don’t know anything about car insurance

When buying the best insurance coverage coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions might help in determining if you would benefit from professional advice.

  • Is my state a no-fault state?
  • I have a DUI can I still get coverage?
  • Does medical payments coverage apply to all occupants?
  • Do I have newly-aquired coverage?
  • Is my nanny covered when driving my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How can I get high-risk coverage after a DUI?
  • What is the rate difference between pleasure use and commuting?
  • Should I buy additional glass protection?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like X-ray expenses, nursing services, surgery, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hitting a deer and hail damage. The maximum amount a auto 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.

Liability insurance

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like legal defense fees, funeral expenses, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for collisions

Collision coverage covers damage to your Wrangler resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with another moving vehicle, backing into a parked car, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Final considerations

We just presented some good ideas how to compare 1993 Jeep Wrangler insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with a smaller regional carrier.

The cheapest insurance can be bought online as well as from independent agents, and you need to comparison shop both to have the best selection. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Consumers switch companies for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, policy cancellation or even delays in paying claims. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

To read more, take a look at the articles below: