1997 Jeep Wrangler Insurance Rates – 8 Ideas for Cheaper Quotes

Are you sick and tired of scraping the payment together to pay insurance each month? You’re in the same situation as many other consumers.

Companies like State Farm, Geico and Farmers Insurance promote their brand names with fancy advertisements and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. Finding the best rates is not that difficult. Although consumers must learn the way companies price insurance differently and use this information to your advantage.

How to get low cost insurance coverage

There are several ways to shop for insurance coverage, but some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use the internet to achieve your goal.

Most car insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and each company can provide price quotes for coverage. This eliminates the need for quotation requests for every insurance coverage company.

To find out what other companies charge click here (opens in new window).

The only drawback to using this type of system is you don’t know exactly the insurers to get pricing from. So if you prefer to pick from a list of companies to compare, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, do your best to enter apples-to-apples coverages and limits on every quote you get. If your comparisons have mixed coverages you can’t possibly find the best deal for your Jeep Wrangler. Even a minor difference in insurance coverages or limits may cause a big price difference. Just keep in mind that comparing a wide range of rates will improve the odds of getting lower pricing. Not every company provides rate quotes online, so it’s important to also get quotes on coverage from those companies, too.

Car insurance policy discounts you can’t miss

Car insurance companies don’t necessarily list every policy discount very clearly, so the next list breaks down some of the best known and the more hidden discounts that you can inquire about if you buy auto insurance online. If you do not check that you are getting every discount available, you are not getting the best rate possible.

• Distant College Student Discount – Kids who live away from home to go to college without a vehicle on campus can be insured at a reduced rate.
• Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Drivers Ed for Students – Teen drivers should enroll in driver’s education in school.
• Passive Restraints and Air Bags – Vehicles with factory air bags can receive discounts of 20 to 30 percent.
• Multi-policy Discount – If you can combine your home and auto policy and place coverage with the same company you could get a discount of at least 10% off all policies.
• Safety Course Discount – Passing a defensive driver course could cut 5% off your bill and make you a better driver.
• Government Employees – Active or retired federal employment may reduce rates when you quote auto insurance on Wrangler coverage with select insurance companies.
• Waiver for an Accident – Not necessarily a discount, but a few companies such as Geico and Allstate will forgive one accident without raising rates so long as you are claim-free before the accident.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

A partial list of companies that may include some of the above discounts are:

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

If you need cheaper auto insurance quotes, ask each insurance company how you can save money. Depending on the company, some discounts might not be available to policyholders in your area. For a list of companies that offer the discounts shown above, click here to view.

Insurance agents can help

When choosing adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

• Do I need an umbrella policy?
• I have a DUI can I still get coverage?
• How can I force my company to pay a claim?
• Does my personal policy cover me when driving out-of-state?
• Should I buy full coverage?
• When can my company non-renew my policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Save $389 a year? Really?

Respected companies like Progressive, Geico, Allstate and State Farm continually stream ads on television and other media. They all state the claim that drivers can save some big amount if you just switch your coverage. How is it plausible that every one can charge you less for auto insurance? Here is the trick they use.

Different companies can use profiling for the type of driver that will generate a profit. For instance, a desirable insured should be between the ages of 40 and 55, has no prior claims, and has a high credit rating. A driver that meets those criteria will get very good premium rates and will most likely save some money.

Potential insureds who may not quite match these stringent criteria may be required to pay a more expensive rate which results in the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save that much. That’s why insurance companies can confidently make claims like that. Different companies use different criteria so you really need to compare price quotes frequently. It is impossible to guess which insurance companies will have the best premium rates.

Auto insurance coverages explained

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages available from auto insurance companies.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for things like doctor visits, funeral costs, EMT expenses, ambulance fees and pain medications. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as loss of income, repair costs for stationary objects and medical expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed, a broken windshield and hitting a bird. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage covers damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Make a quick buck

Lower-priced 1997 Jeep Wrangler insurance is attainable both online and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer rates over the internet and usually these small insurance companies work with local independent agents.

We’ve covered many tips how you can compare 1997 Jeep Wrangler insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small local company. Some small companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate or State Farm.

Additional learning opportunities

• Understanding Car Crashes Video (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)