How Much Does 1995 Jeep Wrangler Car Insurance Cost?

If you’re shopping for cheaper insurance online, are you confused by the sheer number of insurance coverage sources in your area? There are so many sources available that it is a chore to find the perfect company for you.

The best way we recommend to compare insurance rates from multiple companies is to know most of the bigger providers actually pay money for the chance to give you rate quotes. The only thing you need to do is give the companies some data including your general credit rating, if the vehicle is leased, if you have an active license, and the year, make and model of vehicles. The rating information is instantly submitted to many highly-rated insurers and you will receive price estimates almost instantly.

If you would like to compare rates now, click here then complete the form.

Auto insurance policy discounts you can’t miss

Auto insurance can be pricey, but there are discounts available that you may not even be aware of. Some discounts will apply at quote time, but occassionally some discounts must be specifically requested in order for you to get them. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.

• Homeowners Discount – Owning a home can get you a discount since home ownership shows financial diligence.
• Onboard Data Collection – Insureds that choose to allow companies to track their driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they are good drivers.
• Waiver for an Accident – Not a discount per se, but a few companies such as Progressive, Allstate, and Geico will let one accident slide before your rates go up if your claims history is clear prior to being involved in the accident.
• Discounts for Responsible Drivers – Accident-free drivers could pay up to 40% less for Wrangler insurance compared to rates paid by drivers with frequent claims.
• Military Deployment Discount – Being deployed with a military unit could mean lower premium rates.
• Discount for Good Grades – Excelling in school can earn a discount of 20% or more. The discount lasts until age 25.

Just know that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, auto insurance companies aren’t that generous.

A list of companies and a summarized list of policyholder discounts are included below.

• State Farm may offer discounts for multiple autos, safe vehicle, student away at school, accident-free, good driver, anti-theft, and Steer Clear safe driver discount.
• Farmers Insurance may include discounts for homeowner, electronic funds transfer, early shopping, alternative fuel, switch companies, and mature driver.
• Geico policyholders can earn discounts including defensive driver, military active duty, seat belt use, anti-theft, good student, multi-policy, and federal employee.
• American Family may have discounts that include good driver, mySafetyValet, defensive driver, accident-free, Steer into Savings, and multi-vehicle.
• Nationwide offers premium reductions for Farm Bureau membership, easy pay, accident-free, defensive driving, multi-policy, and good student.
• Progressive offers discounts including multi-vehicle, multi-policy, online quote discount, homeowner, online signing, continuous coverage, and good student.

Before buying, ask each company or agent how many discounts you can get. Some discounts listed above might not apply in your state. For a list of auto insurance companies with the best discounts, click here to view.

Insurance agents can help

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can help discover if you would benefit from an agent’s advice.

• Am I covered if I hit my neighbor’s mailbox?
• When can my company non-renew my policy?
• Can I afford to pay high deductible claims out of pocket?
• What can I do if my company won’t pay a claim?
• Are my friends covered when driving my car?
• What is covered by UM/UIM coverage?
• Should I buy only the required minimum liability coverage?
• Do I need added coverage for expensive stereo equipment?
• When would I need additional glass coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Information about specific coverages

Having a good grasp of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, ambulance fees, dental work and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

Liability insurance can cover damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as attorney fees, medical services and emergency aid. How much coverage you buy is up to you, but you should buy higher limits if possible.

Collision protection

Collision coverage covers damage to your Wrangler resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from flooding, vandalism and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Saving money makes a lot of cents

Lower-priced 1995 Jeep Wrangler insurance is available online as well as from independent agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some companies may not offer the ability to get a quote online and many times these regional insurance providers only sell coverage through local independent agencies.

When shopping online for car insurance, make sure you don’t skimp on coverage in order to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to find out that it was a big error on their part. Your aim should be to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

We covered many ways to get a better price on 1995 Jeep Wrangler insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the best price on car insurance is with the smaller companies.

Other information

• Airbag FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Vehicle Insurance (Wikipedia)