Cheap 2001 Jeep Wrangler Car Insurance Rates

Expensive insurance coverage can dwindle your personal savings and put the squeeze on your family’s finances. Comparison shopping is a great way to help make ends meet.

Companies like Progressive, GEICO and Farmers Insurance constantly bombard you with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

It is always a good idea to compare rates once or twice a year because rates are rarely the same from one policy term to another. Just because you had the best rates for Wrangler coverage on your last policy there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because you’re about to find out one of the best ways to find better coverage at a better price.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Finding affordable coverage is quite easy. But consumers do need to understand the way companies price online insurance.

Save on Jeep Wrangler insurance

Auto insurance companies don’t always publicize all their discounts very well, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving.

  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Accident Forgiveness – A few companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Clubs and Organizations – Belonging to certain professional organizations is a good way to get lower rates when shopping for car insurance for Wrangler coverage.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Sign Online – A few companies give back up to $50 just for signing your application over the internet.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Wrangler coverage depending on your company.

It’s important to note that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of insurers offering car insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • What discounts do I qualify for?
  • I have health insurance so do I need medical payments coverage?
  • What is the ISO rating for a 2001 Jeep Wrangler?
  • How do I file an SR-22 for a DUI in my state?
  • What is high-risk coverage and where do I buy it?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Where can I find DUI or SR-22 insurance?
  • I have a DUI can I still get coverage?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverage basics

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most car insurance policies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, X-ray expenses and surgery. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability – Liability coverage will cover damage that occurs to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like pain and suffering, legal defense fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision coverage – Collision insurance pays for damage to your Wrangler from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, hitting a deer, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2001 Jeep Wrangler.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

More quotes. Lower rates.

We just covered a lot of ways to compare 2001 Jeep Wrangler insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the best price on insurance coverage is with the smaller companies. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at an affordable rate.

Much more information about insurance coverage can be read at the links below