1994 Jeep Wrangler Insurance Quotes

Want lower car insurance rates for your Jeep Wrangler? Trying to find low-cost insurance for a new or used Jeep Wrangler can normally be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to shop for car insurance and you need to know the best way to compare rates for a Jeep and locate the cheapest rates from both online companies and local agents.

Discounts are great for lower rates

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked for in order for you to get them. If you don’t get every credit possible, you’re paying more than you need to.

  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Defensive Driver – Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Wrangler insurance with select insurance companies.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save at least 10% off all policies.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

For a list of providers who offer car insurance discounts, click here.

How to Get Insurance Coverage Comparison Quotes

Finding a lower price on 1994 Jeep Wrangler insurance can be surprisingly simple. All you need to do is take a few minutes to compare quotes from different insurance companies. This can be done in a couple of different ways.

  1. The recommended way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method saves time by eliminating a different quote for each company. Completing one form gets you price quotes direct from many companies. Just one form and you’re done.
  2. A slightly less efficient method to obtain and compare quotes online is spending the time to visit each company’s website and complete a new quote form. For sake of this example, let’s say you want rates from Liberty Mutual, Safeco and Geico. To find out each rate you need to visit each site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make darn sure you compare identical coverages for each price quote. If you have different limits and deductibles on each one you will not be able to determine which rate is truly the best.

You may need specialized coverage

When buying adequate coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining if you might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 1994 Jeep Wrangler is totaled?
  • When would I need additional glass coverage?
  • I don’t drive much so do I pay less?
  • How do I buy GAP insurance?
  • Am I covered when using my vehicle for business?
  • Does coverage extend to Mexico or Canada?
  • Do I need added coverage for expensive stereo equipment?
  • Will my insurance pay for OEM parts?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about auto insurance coverages for a 1994 Jeep Wrangler

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, falling objects and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1994 Jeep Wrangler.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as doctor visits, dental work, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability insurance

This provides protection from damage or injury you incur to people or other property. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, repair costs for stationary objects, medical services and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Wrangler from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Be a smart shopper

Low-cost 1994 Jeep Wrangler insurance can be purchased online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented a lot of ways to lower your insurance rates. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers may even find the lowest premiums are with a lesser-known regional company.

Drivers change insurance companies for a variety of reasons including poor customer service, extreme rates for teen drivers, lack of trust in their agent and high prices. Whatever your reason, finding the right insurance provider is easier than you think.

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