Cheap 1997 Jeep Wrangler Car Insurance Cost

Finding the most affordable insurance coverage over the internet may be somewhat difficult for beginners to comparing rates online. With a ridiculous number of insurance companies available, how can anyone effectively compare every company to locate the best available price?

How much can you save with discounts?

Insurance can be prohibitively expensive, but you may find discounts that you may not know about. Certain discounts will be applied when you get a quote, but less common discounts must be asked about before you get the savings.

  • Accident Free – Drivers with accident-free driving histories pay much less when compared with bad drivers.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in school.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Drive Less and Save – Driving fewer miles could be rewarded with a substantially lower rate.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Memberships – Belonging to a professional or civic organization could qualify you for a break on your policy for Wrangler coverage.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.

To see a list of insurance companies with the best insurance discounts, follow this link.

What determines your Jeep Wrangler insurance premium

It’s important that you understand the factors that help determine the rates you pay for insurance coverage. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to big savings.

The following are some of the items companies use to determine prices.

  • High numbers of claims are not good – Insurance companies give better rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Your insurance policy is designed for major claims that would cause financial hardship.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Sex matters – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes cause accidents at a similar rate, but men have costlier accidents. Men also receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Credit scores impact insurance coverage rates – Credit rating is a important factor in calculating your insurance coverage rates. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit ratings. If your credit history can use some improvement, you could save money insuring your 1997 Jeep Wrangler by repairing your credit.

How much car insurance do I need?

When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different.

For example, these questions could help you determine whether you might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Is a blown tire covered by insurance?
  • Is my teen driver covered when they drive my company car?
  • Can I make deliveries for my home business?
  • Do I have coverage if my license is suspended?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Specifics of your insurance policy

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical expense coverage – Med pay and PIP coverage provide coverage for immediate expenses like chiropractic care, dental work, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability – This coverage provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, bail bonds and funeral expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive protection – This pays to fix your vehicle from 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 claims such as damage from getting keyed, theft and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision insurance covers damage to your Wrangler from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Smart consumers save more

You just read quite a bit of information on how to reduce 1997 Jeep Wrangler insurance prices online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies.

Cheaper insurance can be sourced from both online companies and also from your neighborhood agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.

When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. In too many instances, an insured cut collision coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

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