1994 Jeep Wrangler Insurance Quotes

Trying to find lower auto insurance rates for your Jeep Wrangler? Have you fallen victim to high-priced auto insurance? Believe me, there are lots of people in the same boat. Popular companies such as State Farm, Progressive and Geico all promote huge savings with catchy ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.

If you are insured now or need a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the most effective way to shop online.

Take advantage of every auto insurance discount

The cost of insuring your cars can be expensive, but you might find some hidden discounts that many people don’t even know exist. Most are applied when you purchase, but lesser-known reductions have to be manually applied before they will apply.

• Discounts for New Vehicles – Buying insurance on a new vehicle is cheaper since new model year vehicles have better safety ratings.
• Defensive Driver – Successfully completing a safe driver course could possibly earn you a 5% discount and also improve your driving technique.
• Professional Memberships – Affiliation with qualifying employment or professional organizations is a good way to get lower rates when shopping for auto insurance.
• Federal Employees – Having worked for a branch of the government could provide a small rate reduction for Wrangler coverage but check with your company.
• Active Service Discounts – Being deployed in the military could be rewarded with lower auto insurance rates.
• Drive Less and Save – Low mileage vehicles could earn better premium rates on cars that stay parked.
• Multiple Policy Discount – If you have multiple policies and place coverage with the same company you could get a discount of at least 10% off all policies.
• Telematics Discount – Drivers who agree to allow companies to track driving manner by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.

Keep in mind that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies that may offer quotes with these money-saving discounts include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

If you want cheap auto insurance quotes, ask each insurance company how you can save money. Some of the earlier mentioned discounts may not be offered in every state.

How to know if you need help

When choosing coverage, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining if you could use an agent’s help.

• Am I covered if hit by an uninsured driver?
• Can I afford low physical damage deductibles?
• Do I need rental car coverage?
• Why does it cost so much to insure a teen driver?
• Should I have combined single limit or split liability limits?
• Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Detailed coverages of your insurance policy

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Coverage for collisions

Collision coverage covers damage to your Wrangler from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, hitting a parking meter, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like pain medications, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

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 such as a broken windshield, damage from getting keyed, hitting a bird, vandalism and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Wrangler.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability car insurance

This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like medical expenses, bail bonds and loss of income. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

More choices the merrier

Throughout this article, we presented a lot of techniques to compare 1994 Jeep Wrangler insurance rates online. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable auto insurance. Consumers may even find the most savings is with a small mutual company. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

Lower-priced 1994 Jeep Wrangler insurance can be sourced on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online rate quotes and many times these regional insurance providers only sell through independent agencies.

When shopping online for insurance coverage, you should never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

Additional information is located at the links below

• Teen Driver Statistics (Insurance Information Insitute)
• Who Has the Cheapest Durham Auto Insurance for a Jeep Wrangler? (CarInsuranceDurham.com)
• How Much is Cleveland Auto Insurance for a Jeep Wrangler? (ClevelandCoverage.com)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)