2002 Jeep Wrangler Car Insurance Quotes

Scraping up a payment for overpriced Jeep Wrangler insurance can drain your checking account and make it hard to pay other bills. Comparison shopping is a smart way to make sure you’re not throwing money away.

Many auto insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to get the best rate

It’s a good idea to shop coverage around on a regular basis because rates are rarely the same from one policy term to another. If you had the best rates on Wrangler coverage a year ago you can probably find a better price now. There is too much inaccurate information about insurance coverage online but we’re going to give you the easiest ways to put money back in your pocket.

Automobile Insurance Quotes

There are several ways you can shop for Jeep Wrangler insurance coverage but some are less labor-intensive and much quicker. You can waste a lot of time driving to agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

Many companies belong to a marketplace where insurance shoppers complete one form, and at least one company returns a competitive quote based on the submitted data. This system prevents you from having to do quote requests to each individual insurance coverage company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to pricing coverage this way is you are unable to specify the companies you will receive quotes from. So if you prefer to choose specific providers to compare, we have a page of low cost insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare the exact same information for every company. If the quotes have different liability limits it’s not possible to truly determine the lowest rate. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, comparing a large number of companies will enable you to find a better price.

Don’t overlook these discounts

Companies offering auto insurance don’t list all their discounts very well, so we took the time to find both the well known and the more hidden discounts you could be receiving.

• Claim Free – Drivers who don’t have accidents pay less when compared to frequent claim filers.
• Memberships – Affiliation with a qualifying organization may earn a discount on auto insurance on Wrangler coverage.
• Military Rewards – Having a deployed family member could mean lower rates.
• One Accident Forgiven – Some insurance companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
• Multiple Policy Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
• Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
• Own a Home – Owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
• Fewer Miles Equal More Savings – Fewer annual miles on your Jeep can earn a substantially lower rate.
• Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.

Consumers should know that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

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

Is my situation unique?

When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions might point out whether or not you would benefit from professional advice.

• Should I put collision coverage on all my vehicles?
• Do I have any recourse if my insurance company denies a claim?
• When do I need to add a new car to my policy?
• Do I need replacement cost coverage?
• If my pet gets injured in an accident are they covered?
• Do I need PIP (personal injury protection) coverage in my state?
• What is high-risk coverage and where do I buy it?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance 101

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive auto coverage

This 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 can pay for things like damage from a tornado or hurricane, hitting a bird, damage from flooding and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as dental work, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2002 Jeep Wrangler.

Due to the fact that many 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.

Liability coverages

This can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people. It does not 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. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as legal defense fees, bail bonds, medical expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This covers damage to your Wrangler resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, sideswiping another vehicle, damaging your car on a curb, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.