1993 Jeep Wrangler Insurance Quotes – 9 Ideas for Best Rates

Nobody that owns a car looks forward to paying premiums for insurance coverage, especially when they know they could find better prices if they shop around.

Insurance companies such as State Farm, Progressive and Geico all promote huge savings with advertising and it is difficult to sift through the bull and find the best price available.

You need to shop coverage around periodically because insurance coverage prices are constantly changing. Even if you got the best deal on Wrangler coverage six months ago the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance coverage because it’s time to teach you the best methods to find better rates and still maintain coverage.

If you currently have car insurance, you will be able to lower your premiums substantially using this strategy. Buying car insurance is quite easy. But consumers should learn how insurance companies market on the web because it can help you find the best coverage.

How to compare free car insurance price quotes

Shopping for lower car insurance rates is a ton of work if you don’t know the best way to get rate quotes. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use online quoting to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company then gives them pricing based on that information. This system prevents you from having to do repetitive form submissions to each company.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to getting quotes like this is you cannot specify which carriers to receive prices from. So if you prefer to pick specific providers to compare, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, do your best to use identical coverage limits on every quote. If you are comparing different data it will be very difficult to find the best deal for your Jeep Wrangler. Quoting even small variations in coverage limits can make a big difference in price. Keep in mind that comparing more quotes will enable you to find better pricing.

Insurance discounts are available to reduce your rates

Some providers don’t necessarily list every available discount in an easy-to-find place, so the list below gives a summary of both the well known and also the more inconspicuous discounts you could be receiving when you buy insurance online. If you’re not getting every credit available, you are not getting the best rate possible.

• Senior Citizen Discount – If you’re over the age of 55, you can get reduced rates on Wrangler coverage.
• Defensive Driver Discounts – Completing a course teaching driver safety skills may get you a small discount and make you a better driver.
• Homeowners Pay Less – Just being a homeowner can get you a discount since home ownership requires personal responsibility.
• Membership in Organizations – Being in qualifying employment or professional organizations is a good way to get lower rates on your next insurance statement.
• Discount for Passive Restraints – Factory air bags can qualify for discounts of 20% or more.
• Service Members Pay Less – Being deployed with a military unit can result in better premium rates.
• Multiple Policy Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you may earn up to 20% off your total premium.
• Onboard Data Collection – Insureds that choose to allow driving data submission to track driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if their driving habits are good.
• Multi-line Discount – If the company offers life insurance, you could get better insurancerates if you take out a life policy as well.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous.

A list of companies and a summarized list of policyholder discounts can be found below.

• Geico may include discounts for driver training, anti-lock brakes, defensive driver, multi-vehicle, five-year accident-free, and good student.
• MetLife may offer discounts for claim-free, defensive driver, good driver, multi-policy, and good student.
• Progressive offers discounts including online signing, multi-policy, online quote discount, continuous coverage, and multi-vehicle.
• Travelers policyholders can earn discounts including IntelliDrive, save driver, multi-policy, continuous insurance, early quote, and good student.
• SAFECO includes discounts for safe driver, multi-car, teen safety rewards, teen safe driver, anti-theft, bundle discounts, and drive less.
• AAA may have discounts that include good student, pay-in-full, multi-car, good driver, education and occupation, and AAA membership discount.

Before purchasing a policy, check with each company which credits you are entitled to. Savings might not be available to policyholders in every state.

Everyone needs different car insurance coverages

When choosing the best car insurance coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can help discover whether your personal situation will benefit from professional help.

• What is the minimum liability in my state?
• Is extra glass coverage worth it?
• Am I covered if I drive in a foreign country?
• When would I need rental car insurance?
• Are my friends covered when driving my 1993 Jeep Wrangler?
• Does car insurance cover theft of personal property?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

Collision insurance

Collision coverage pays for damage to your Wrangler resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive car insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills for things like funeral costs, surgery, prosthetic devices, pain medications and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other people or property. Liability coverage has three 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 which means 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. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like legal defense fees, attorney fees, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Stretch your dollar

In this article, we covered a lot of techniques to get a better price on 1993 Jeep Wrangler insurance. The key concept to understand is the more quotes you get, the better likelihood of getting low cost insurance. Drivers may discover the best price on car insurance is with the smaller companies. They may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

Cheaper car insurance can be purchased on the web in addition to local insurance agencies, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and usually these small insurance companies only sell through independent agencies.

Other resources

• Credit Impacts Car Insurance Rates (State Farm)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)