1998 Jeep Wrangler Car Insurance Rates

Searching for the cheapest insurance rates for your Jeep Wrangler? Have you had enough of trying to scrape together enough money to buy car insurance? You are in the same boat as many other drivers.

Many insurance companies vie to insure your vehicles, so it can be very hard to choose a provider and get the definite lowest rate

Finding Insurance Coverage

Most major insurance companies like 21st Century, Allstate and State Farm quote coverage price quotes on the web. Getting quotes is quite easy as you simply type in your personal and coverage information into a form. Once you submit the form, the system automatically retrieves information on your driving record and credit history and provides a quote determined by many factors. Being able to quote online simplifies rate comparisons, but the process of having to visit a lot of sites and type in the same information gets old quite quickly. But it is imperative to get many rate quotes in order to get the best price possible.

There is an easier way!

A more efficient way to find cheaper rates makes use of a single form to obtain quotes from a lot of companies. It saves time, eliminates form submissions, and makes rate comparisons a little more enjoyable. Immediately after submitting the form, it is quoted and you are able to buy any one of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To quickly get comparison pricing now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you type in the coverages identical to your current policy. This way, you will receive an apples-to-apples comparison for the exact same coverage.

Do you qualify for discounts?

Auto insurance companies don’t necessarily list every available discount very well, so here is a list both the well known and also the lesser-known ways to save on insurance.

  • Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • Save over 55 – Older drivers can possibly qualify for reduced rates on Wrangler coverage.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.

Keep in mind that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.

A partial list of companies who might offer these benefits include:

Double check with all companies you are considering how you can save money. All car insurance discounts may not apply in your area.

Don’t assume everyone needs the same coverage

When choosing adequate coverage, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

  • Is my state a no-fault state?
  • Is a fancy paint job covered?
  • When would I need rental car insurance?
  • Why do I only qualify for high-risk insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • How much liability do I need to cover my assets?
  • Can I afford to pay high deductible claims out of pocket?
  • How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Jeep Wrangler rates influenced by many factors

An important part of buying insurance is that you know some of the elements that play a part in calculating your auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates than people who have multiple driving citations. Drivers with severe tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Do you need the policy add-ons? – There are a ton of extra bells and whistles you can purchase on your auto insurance policy. Coverages for roadside assistance, better glass coverage and motor club memberships are examples of these. These coverages may sound good initially, but if you don’t need them eliminate them to save money.
  • Are you male or female? – The statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Women and men cause accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Too many auto insurance claims drive up costs – Car insurance companies give lower rates to drivers who are claim-free. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Your credit rating is important – Having a bad credit score is a huge factor in determining what you pay for auto insurance. So if your credit is lower than you’d like, you could be paying less to insure your 1998 Jeep Wrangler by improving your credit score. People with high credit ratings tend to be more responsible than drivers with poor credit.
  • Marriage brings a discount – Having a wife or husband helps lower the price on your auto insurance policy. Having a spouse is viewed as being more responsible and statistics show married drivers get in fewer accidents.
  • Occupation reflects on rates – Careers like judges, business owners and financial analysts have higher average rates because of job stress and lots of time spent at work. Conversely, professions such as pilots, engineers and retirees get better rates on Wrangler coverage.
  • Pleasure use saves money – The higher the mileage driven in a year the more you will pay for auto insurance. The majority of insurers rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Wrangler may be costing you. Double check that your auto insurance declarations sheet is showing the correct usage for each vehicle.

Auto insurance coverages explained

Knowing the specifics of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverages offered by auto insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Jeep Wrangler.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision coverage protection

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

Collision coverage pays for things like crashing into a building, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

This covers damage that is not covered by collision coverage. 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 getting keyed, vandalism, hail damage and hitting a deer. The highest amount you’ll receive from a claim 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

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as medical services, emergency aid, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as chiropractic care, ambulance fees, dental work and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Shop smart and save

You just learned some good ideas how you can get a better price on 1998 Jeep Wrangler insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best prices are with some of the lesser-known companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

Budget-conscious insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice physical damage coverage only to find out that it was a big error on their part. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

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