How Much Does 1998 Jeep Wrangler Insurance Cost?

Finding cheaper rates on insurance can be kind of frustrating for drivers who have little experience comparison shopping online. People have so many different companies and agents to choose from that it can quickly become a difficult situation to find better prices.

Shopping for affordable coverage is quite easy. Basically, every driver who buys car insurance stands a good chance to be able to find lower rates. But consumers do need to understand the way companies compete online and use this information to your advantage.

Compare insurance rates

Comparing insurance rates can be exhausting if you don’t understand the most efficient way to do it. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get prices fast.

Most of the best insurance companies take part in a program that enables customers to complete one form, and each company then returns a price quote based on that data. This prevents consumers from doing repetitive form submissions for every insurance company. To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to doing it this way is you cannot specify which companies to get quotes from. If you wish to select specific providers to compare rates, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but do your best to use identical coverage information for every quote you compare. If you have different values for each quote you will not be able to get a fair rate comparison. Even a minor difference in limits may cause a big price difference. And when price shopping your coverage, comparing a large number of companies helps improve the odds of finding more affordable insurance. Some insurance companies are not set up to provide online price quotes, so it’s recommended that you also compare price quotes from the smaller companies as well.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might point out whether your personal situation could use an agent’s help.

• Which companies will insure high-risk drivers?
• Do I have coverage when using my vehicle for my home business?
• Does car insurance cover theft of personal property?
• Do I need replacement cost coverage?
• How high should deductibles be on a 1998 Jeep Wrangler?
• Am I covered if hit by an uninsured driver?
• Can I rate high risk drivers on liability-only vehicles?
• Should I get collision insurance on every vehicle?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form.

Specific coverage details

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for doctor visits, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Auto liability

This can cover damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, court costs, emergency aid, loss of income and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Jeep Wrangler.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liablity limits.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, damage from flooding, theft, damage from getting keyed and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays for damage to your Wrangler resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, damaging your car on a curb, hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.