1991 Jeep Wrangler Insurance Rates

Want lower auto insurance rates for your Jeep Wrangler? Frustrated by the crazy number of auto insurance companies in your area? You have such a vast assortment of companies available that it can really be a big hassle to find the lowest price.

This information will instruct you on how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. Nevertheless, vehicle owners do need to learn the methods companies use to sell insurance online and use this information to your advantage.

Use discounts on car insurance

Car insurance can cost a lot, but there’s a good chance there are discounts that could drop your premiums quite a bit. Some of these disounts will be visible at the time you complete a quote, but occassionally some discounts must be requested specifically before you will receive the discount.

• Discount for New Cars – Buying a new car model is cheaper because newer vehicles are generally safer.
• Passive Restraints – Options like air bags can get savings of up to 25% or more.
• Policy Bundle Discount – If you insure your home and vehicles and place coverage with the same company you may save up to 20% off your total premium.
• Anti-lock Brake System – Cars and trucks equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
• Discount for Home Ownership – Just being a homeowner can help you save on car insurance because of the fact that having a home is proof of financial responsibility.
• Telematics Devices – Insureds who allow driving data submission to scrutinize where and when they drive remotely such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
• Early Renewal Discounts – Some car insurance companies give discounts for switching companies early. You can save around 10% with this discount.
• Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class in school.

A quick disclaimer, many deductions do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce the cost of your policy.

A few popular companies and their offered discounts are detailed below.

• Esurance offers discounts including multi-policy, DriveSense, renters, emergency road assistance, and claim free.
• The Hartford may have discounts that include anti-theft, driver training, good student, bundle, defensive driver, vehicle fuel type, and air bag.
• AAA includes discounts for anti-theft, multi-car, pay-in-full, education and occupation, good driver, AAA membership discount, and multi-policy.
• Geico may include discounts for multi-vehicle, membership and employees, daytime running lights, air bags, anti-lock brakes, and emergency military deployment.
• State Farm has savings for multiple policy, good student, safe vehicle, student away at school, driver’s education, and Drive Safe & Save.

When comparing rates, check with all the companies how you can save money. Discounts might not be offered everywhere. To choose insurance companies with the best discounts, click here to view.

How to find affordable insurance

When shopping for insurance there are multiple ways to compare prices from different insurance companies. The easiest way by far to lower the rate you pay for Jeep Wrangler insurance is to perform an online rate comparison. This can be done by using one of the methods below.

1. If you are pressed for time, the simplest way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing a different quote to each individual insurance company. One form gets insurance cost estimates from several companies. This is by far the quickest method.
2. A more difficult way to shop for insurance online requires a visit to each company’s website to complete a price quote. For sake of this example, we’ll assume you want to see prices from USAA, Geico and Allstate. To get each rate you have to navigate to each company’s site and repeatedly type in your coverage information, which can get old fast. For a list of companies in your area, click here.
3. If you have time to kill, the last way to find cheaper rates is to drive around to insurance agents’ offices. The ability to get quotes online makes this process obsolete unless you have a need for the peace of mind of a licensed agent. Although you can comparison shop your insurance online but buy the policy through an agent.

You can choose any of those ways to find more affodable coverage, but make sure you are using exactly the same coverage information on every quote. If each company quotes differing limits it’s impossible to make an equal comparison. Even a minor difference in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a wide range of rates will increase your chances of finding lower pricing.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

• If I drive on a suspended license am I covered?
• What can I do if my company won’t pay a claim?
• Where can I find high-risk insurance?
• When would I need rental car insurance?
• When does my teenage driver need to be added to my policy?
• Does car insurance cover theft of personal property?
• Should I buy only the required minimum liability coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• How can I find cheaper teen driver insurance?
• At what point should I drop full coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Coverage specifics

Learning about specific coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverages – Collision insurance covers damage to your Wrangler caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for liability – This can cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others, and doesn’t cover 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. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, legal defense fees, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like dental work, nursing services, ambulance fees and hospital visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance 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 can pay for things like hitting a bird, falling objects, theft, hitting a deer and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Wrangler.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Coverage on a shoestring budget

People switch companies for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, policy non-renewal and not issuing a premium refund. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

Budget-conscious 1991 Jeep Wrangler insurance is definitely available both online as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who do not provide price quotes online and usually these regional insurance providers prefer to sell through independent insurance agencies.

We just showed you a lot of information how to lower your 1991 Jeep Wrangler insurance premium rates. The key concept to understand is the more you quote insurance coverage, the better your comparison will be. You may even find the best premium rates are with a small mutual company.

To learn more, feel free to visit the articles below:

• Tread Depth and Tire Safety (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Liability Insurance Coverage (Nationwide)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)