Cheaper 1999 Jeep Wrangler Car Insurance Quotes

Buyers have lots of choices when searching for low-cost Jeep Wrangler insurance. They can either spend hours driving around to compare prices or save time using the internet to make rate comparisons. There are more efficient ways to buy insurance coverage so we’re going to tell you the absolute fastest way to quote coverages for a new or used Jeep and locate the lowest price from both online companies and local agents.

It’s important to compare prices on a regular basis since insurance rates change regularly. Just because you had the best rates on Wrangler coverage six months ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or need new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. This information will help you learn how to effectively get price quotes. Drivers just need to understand how to shop online.

Best discounts on 1999 Jeep Wrangler coverage

Companies do not advertise every available discount very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Jeep can qualify you for discounted rates on garaged vehicles.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Resident Student – Children who are attending college and do not have a car may be able to be covered for less.
  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings of more than 20%.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

For a list of companies with discount insurance coverage rates, follow this link.

How to Compare Car Insurance Rates

There are multiple methods to compare 1999 Jeep Wrangler car insurance quotes, and some are more efficient than others. You could spend your day talking to agents in your area, or you could use the web to get the quickest rates.

Most major companies enroll in a system where insurance shoppers send in one quote, and every company returns a competitive quote based on that information. This saves time by eliminating quotation requests for each company. To access this free quoting program, click here to start a free quote.

The only downside to comparing rates this way is you cannot specify the providers you want pricing from. If you would rather choose individual companies to compare prices, we have assembled a list of companies who write car insurance in your area. Click to view list.

Which method you use is up to you, but make absolute certain that you use identical information for every company. If the quotes have different limits and deductibles on each one you will not be able to make an equal comparison.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help highlight whether you would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need roadside assistance coverage?
  • Why does it cost so much to insure a teen driver?
  • What is high-risk coverage and where do I buy it?
  • What is the ISO rating for a 1999 Jeep Wrangler?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from a tornado or hurricane and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability coverage – This can cover damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like emergency aid, pain and suffering, medical services and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, ambulance fees and surgery. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Saving money is sweet as honey

When buying insurance coverage, never reduce needed coverages to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

Insureds who switch companies do it for a variety of reasons including denial of a claim, delays in responding to claim requests, an unsatisfactory settlement offer and even extreme rates for teen drivers. Regardless of your reason, switching insurance companies can be pretty painless.

The cheapest 1999 Jeep Wrangler insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and these smaller companies work with independent agents.

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