How Much Does 1999 Jeep Wrangler Car Insurance Cost?

Searching for the cheapest car insurance rates? Consumers have options when looking for the lowest priced Jeep Wrangler insurance. They can either spend hours calling around getting price quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to buy car insurance so you’re going to learn the proper way to price shop coverage for a new or used Jeep and get the lowest price either online or from local insurance agents.

Consumers need to get comparison quotes occasionally since insurance rates change quite often. Even if you got the lowest rates for Wrangler coverage on your last policy there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

Car Insurance Prices Online

Most companies like State Farm, GEICO and Progressive quote coverage prices on the web. Getting online quotes is quite easy as you just enter your personal and coverage information as requested by the quote form. Behind the scenes, the company’s rating system requests your driving record and credit report and returns a price quote determined by many factors.

This streamlines rate comparisons, but the work required to visit a lot of sites and complete many quote forms can get tiresome after awhile. But it is imperative to get many rate quotes if you are searching for a better rate.

A less time-consuming method to find better car insurance pricing is to use a quote form to obtain quotes from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much easier. As soon as the form is sent, it is rated and you can select your choice of the returned quotes.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and may save quite a bit of money.

To use this form to compare rates, click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in deductibles and limits identical to your current policy. This ensures you will be getting a rate comparison for similar insurance coverage.

Discounts can save BIG

Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. Certain discounts will be applied at the time of purchase, but a few must be manually applied in order for you to get them. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Resident Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • One Accident Forgiven – Some insurance companies allow you one accident without raising rates if your claims history is clear for a certain period of time.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.

Consumers should know that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Discounts might not be offered in your state.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

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

  • Does my 1999 Jeep Wrangler need full coverage?
  • Can I rent a car in Mexico?
  • I don’t drive much so do I pay less?
  • Is motorclub coverage worth it?
  • Can my babysitter drive my car?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Jeep Wrangler rate determination is complex

Consumers need to have an understanding of the rating factors that play a part in calculating insurance coverage rates. Understanding what determines base rates helps enable you to make changes that could result in better insurance coverage rates.

Shown below are a few of the “ingredients” that factor into premiums.

  • Liability coverage is peace of mind – Liability coverage is the protection in the event that a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Pleasure use saves money – The more miles you rack up on your Jeep in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your insurance coverage policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Wrangler may be wasting your money.
  • Better credit means lower rates – A driver’s credit score is a huge factor in calculating your insurance coverage rates. So if your credit rating is lower than you’d like, you could potentially save money when insuring your 1999 Jeep Wrangler by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Younger drivers pay higher rates – Older drivers are more cautious drivers, file fewer claims and receive fewer citations. Youthful drivers tend to be less responsible behind the wheel and because of this, their insurance coverage rates are much higher.
  • One company can mean more discounts – Many insurance companies provide better rates to insureds who buy several policies from them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, you still need to compare rates to make sure you are getting the best deal.
  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If the Jeep Wrangler has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Is there truth in advertising?

Drivers constantly see and hear ads for car insurance savings from the likes of State Farm, GEICO and Progressive. All the companies say the same thing of big savings after switching your coverage to them.

But how can every company say the same thing?

Different companies are able to cherry pick for the driver that is profitable for them. A good example of a desirable insured might be profiled as between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who fall outside the “perfect” profile must pay more money which leads to business not being written. The ads state “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently advertise the savings.

This illustrates why it is so important to quote coverage with many companies. It’s not possible to predict the company that will fit your personal profile best.

Auto insurance coverage considerations

Knowing the specifics of auto insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

This pays to fix your vehicle from damage resulting 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 can pay for things like driving through your garage door, sideswiping another vehicle, crashing into a ditch, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from flooding, damage from getting keyed, vandalism and fire damage. The maximum payout you can receive from a comprehensive 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.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for hospital visits, chiropractic care, rehabilitation expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability

Liability insurance can cover damage that occurs to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like structural damage, attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1999 Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Better coverage you can count on

When you buy insurance online, never sacrifice coverage to reduce premiums. In many instances, someone sacrificed collision coverage and learned later they didn’t purchase enough coverage. Your focus should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Insureds leave their current company for many reasons like unfair underwriting practices, policy cancellation, questionable increases in premium or even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

Cost effective 1999 Jeep Wrangler insurance is available both online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.

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