Cheaper 1999 Jeep Wrangler Car Insurance Rates

Wish you could get a refund on an expensive car insurance policy? Don’t sweat it because there are lots of people in the same boat.

Having so many companies to choose from, it’s nearly impossible to find the most cost effective car insurance company.

It’s a good habit to shop coverage around at least once a year because insurance prices are constantly changing. Even if you got the best price on Wrangler insurance at your last renewal the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because you’re about to find out the tricks you need to know to get good coverage at a lower rate.

Buying car insurance is quite easy. If you currently have car insurance, you will be able to save some money using this strategy. Although car owners benefit from understanding how insurance companies compete online.

Why informed consumers pay less for Jeep Wrangler insurance

Many factors are part of the calculation when premium rates are determined. Most are fairly basic like an MVR report, but other criteria are not as apparent like where you live or how safe your car is.

The factors shown below are some of the items insurance coverage companies consider when setting your premiums.

• Rate your vehicle for proper use – The higher the miles on your Jeep in a year’s time the higher your rate. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles that have low annual miles cost less to insure as compared to vehicles used primarily for driving to work. An improperly rated Wrangler may be costing you. Ask your agent if your policy is rated on the right rating data, because it can save money.
• Too many policy claims and you’ll pay more – Car insurance companies provide lower rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Your insurance policy is intended for larger claims.
• Optional features that cut premiums – Selecting a car model that has a built-in theft deterrent system can save you some money. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.
• Women tend to be lower risk – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women are responsible for auto accidents in similar numbers, but the men tend to have higher claims. In addition to higher claims, males also get cited for more serious violations like reckless driving and DUI.
• Good drivers pay less – Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. Just one ticket can increase the cost of insurance by as much as twenty percent. Drivers unfortunate enough to have serious tickets like DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
• lapses raise premiums – Not having insurance is illegal and your next policy will cost more because you let your insurance expire. Not only will rates go up, getting caught without coverage can result in a hefty fine and possibly a revoked license.
• Save money with excellent credit – Credit score can be an important factor in determining what you pay for insurance coverage. Drivers who have high credit scores tend to be less risk to insure than drivers who have poor credit. Therefore, if your credit history is low, you could pay less to insure your 1999 Jeep Wrangler if you improve your credit rating.
• Lower comp and collision deductibles cost more – The deductibles you choose state the amount of money you are required to spend before a claim is paid by your company. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims are colliding with a stationary object, animal collisions, or theft of your vehicle. The more money you choose to pay out-of-pocket, the lower your rates will be on Wrangler insurance.

Are you receiving every discount?

The cost of insuring your cars can be expensive, but companies offer discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but occassionally some discounts must be specially asked for before you will receive the discount.

• Driver Safety – Taking part in a course teaching driver safety skills could earn you a small percentage discount and easily pay for the cost of the class.
• Pay Now and Pay Less – By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.
• Senior Discount – Seniors may receive a discount up to 10% on Wrangler insurance.
• Resident Student – Children who attend college more than 100 miles from home and don’t have a car may be able to be covered for less.
• Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.
• Theft Prevention Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The best insurance coverage companies and a summarized list of policyholder discounts can be read below.

• State Farm discounts include multiple policy, multiple autos, accident-free, student away at school, defensive driving training, good student, and Steer Clear safe driver discount.
• Geico offers discounts for multi-policy, daytime running lights, anti-theft, multi-vehicle, seat belt use, and air bags.
• Liberty Mutual has discounts for preferred payment discount, newly retired, exclusive group savings, multi-policy, and safety features.
• The Hartford may include discounts for good student, anti-theft, defensive driver, air bag, bundle, and driver training.
• MetLife may have discounts that include multi-policy, good driver, claim-free, good student, and accident-free.
• Progressive offers discounts including continuous coverage, good student, online quote discount, online signing, homeowner, multi-policy, and multi-vehicle.

When comparing rates, check with every insurance company what discounts are available to you. Discounts may not be available in your area. If you would like to see a list of insurers who offer discounts, click here to view.

Switch companies and save? Really?

Auto insurance companies such as State Farm, Allstate and Geico constantly bombard you with ads in print and on television. They all seem to make the point that drivers can save some big amount just by switching your policy. How does every auto insurance company charge you less for car insurance? It’s all in the wording.

Companies provide the lowest rates for the type of driver that will most likely be profitable. For instance, a desirable insured might be described as a married male, is a homeowner, and drives less than 7,500 miles a year. Any new insured who matches those parameters will qualify for the lowest car insurance rates and will most likely save quite a bit of money when switching.

Consumers who cannot meet these standards will probably have to pay more expensive rates and this results in business going elsewhere. The wording the ads use say “people that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently make claims like that. Because of these techniques, it’s extremely important to compare many company’s prices. It’s impossible to know which insurance companies will have the lowest premium rates for your situation.

When in doubt talk to an agent

When buying the right insurance coverage, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

• Am I covered if I wreck a rental car?
• Is my teen driver covered when they drive my company car?
• Do I need added coverage for expensive stereo equipment?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• When would I need additional glass coverage?
• Am I covered when driving in Canada or Mexico?
• Does coverage extend to a rental car in a foreign country?
• Where can I get insurance after a DUI in my state?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverage options for a Jeep Wrangler

Knowing the specifics of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from car insurance companies.

Medical costs insurance – Med pay and PIP coverage pay for bills like hospital visits, funeral costs, nursing services, doctor visits and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability – Liability insurance can cover injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things like attorney fees, court costs and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

UM/UIM Coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Jeep Wrangler.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision – This coverage covers damage to your Wrangler caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance 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 coverage protects against claims such as a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane, falling objects and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Quote often and quote early

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice collision coverage and discovered at claim time that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at an affordable rate.

You just learned many ways to lower your 1999 Jeep Wrangler insurance premium rates. The key concept to understand is the more rate quotes you have, the better likelihood of getting affordable insurance. You may even find the lowest premium rates come from a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate and Progressive.

Additional learning opportunities

• Determing Auto Insurance Rates (Geico)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)