2003 Jeep Wrangler Insurance Rates

Drivers have a choice when trying to find low-cost Jeep Wrangler insurance. They can either spend hours driving around getting price quotes or use the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance and you need to know the absolute fastest way to compare rates for your Jeep and find the lowest price.

Consumers should take time to compare prices every six months because insurance rates are usually higher with each renewal. If you had the best price for Wrangler coverage two years ago you can probably find a better price now. So just forget anything you know (or think you know) about insurance because you’re going to learn the things you must know in order to lower your annual insurance bill.

Jeep Wrangler insurance rates can be determined by these details

Smart consumers have a good feel for the different types of things that come into play when calculating insurance coverage rates. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with lower insurance coverage prices.

The list below includes some of the items companies use to determine rates.

  • Do men or women drive better? – Statistics have proven that women are safer drivers than men. However, don’t assume that women are better drivers. Women and men have accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also receive more costly citations like reckless driving and DUI.
  • How your age affects price – Youthful drivers are statistically proven to be more careless in a vehicle so they pay higher insurance coverage rates. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • Too many insurance coverage claims drive up costs – Companies provide discounts to insureds who do not file claims often. If you are a frequent claim filer, you can expect higher rates. Insurance coverage is designed for larger claims.
  • Do you have a high stress job? – Occupations like real estate brokers, executives and stock brokers tend to have the highest rates attributed to stressful work requirements and long work days. On the other hand, occupations such as scientists, students and the unemployed receive lower rates for Wrangler coverage.
  • Careful drivers pay lower rates – Drivers with clean records get better rates than their less careful counterparts. Only having one moving violation may increase your cost twenty percent or more. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be colliding with a building, damage from fire, and burglary. The more expense you are required to pay out-of-pocket, the less your insurance coverage will be for Wrangler coverage.

Automobile Insurance Quotes

There are a variety of methods to compare 2003 Jeep Wrangler insurance prices but some are easier and takes less work. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to achieve your goal.

Most car insurance companies participate in an industry program that enables customers to send in one quote, and every company returns a rated price based on the submitted data. This eliminates the need for form submissions for every insurance company.

To compare 2003 Jeep Wrangler rates using this form now click here to open in new window.

The only downside to doing it this way is buyers cannot specifically choose which insurance companies to receive prices from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of the cheapest insurance companies in your area. Click to view list.

However you get your quotes, double check that you are using apples-to-apples coverages and limits on every quote you get. If your comparisons have unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

How to reduce 2003 Jeep Wrangler insurance rates

Companies that sell car insurance do not advertise every available discount very well, so here is a list some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.

  • 55 and Retired – Mature drivers can possibly qualify for a discount up to 10% for Wrangler coverage.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Jeep could qualify for better rates on cars that stay parked.
  • Drivers Education – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.

Drivers should understand that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates all the discounts add up to a free policy, insurance companies aren’t that generous.

For a list of insurers with the best insurance discounts, click here to view.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions might help in determining if your insurance needs could use an agent’s help.

  • How much liability coverage do I need in my state?
  • When should I buy a commercial auto policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • What can I do if my company won’t pay a claim?
  • How high should my medical payments coverage be?
  • Is business equipment covered while in my vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, hitting a bird, theft and hail damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like pain and suffering, bail bonds, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses such as surgery, doctor visits and prosthetic devices. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured and underinsured coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Collision – Collision insurance covers damage to your Wrangler caused by collision 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 like hitting a parking meter, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Be a smart shopper

We just showed you some good ideas how to compare 2003 Jeep Wrangler insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best price on insurance is with the smaller companies.

When buying insurance coverage, never skimp on coverage in order to save money. There are too many instances where an insured cut uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

People switch companies for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, lack of trust in their agent or even poor customer service. It doesn’t matter why you want to switch switching insurance companies can be easier than you think.

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