2000 Jeep Wrangler Car Insurance Cost – 6 Ideas for Best Prices

If you’re shopping for lower-cost insurance, are you overwhelmed by the number of insurance providers? You’re not alone. People have so many providers to choose from that it is a big hassle to compare rates.

Finding the best rates is not rocket science. Basically, every driver who carries insurance coverage will most likely be able to save money. But vehicle owners do need to know how big insurance companies price insurance differently and use this information to your advantage.

Free insurance price quotes

All the larger insurance companies provide insurance quotes on their websites. Obtaining pricing doesn’t take a lot of time as you just type in the coverage amounts you desire on the page. Behind the scenes, the system automatically retrieves your driving and credit reports and provides a quote.

Online quotes makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s very important to compare as many rates as possible in order to get better prices.

The easy way to compare rates

A more efficient way to find better insurance pricing uses just one form to get prices from several different companies. The form is fast, eliminates form submissions, and makes online price comparison much easier to do. Immediately after you send the form, it gets priced and you can select your choice of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To save time and find out if lower rates are available, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you input deductibles and limits as shown on your current policy. This makes sure you will have a rate comparison for similar coverage.

Save a ton with these six discounts

Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Many discounts should be triggered at the time of quoting, but some must be requested specifically before being credited. If you don’t get every credit available, you could be getting lower rates.

• Discount for Life Insurance – Some insurance coverage companies give a discount if you purchase life insurance from them.
• Defensive Driver Discounts – Participating in a safe driver class could cut 5% off your bill and also improve your driving technique.
• E-sign Discounts
• First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims before the accident.
• Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease on Wrangler coverage with certain companies.
• Safe Driver Discounts – Drivers who don’t get into accidents could pay up to 40% less on Wrangler coverage than drivers with accidents.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few popular companies and some of the discounts include:

• American Family discounts include defensive driver, Steer into Savings, TimeAway discount, mySafetyValet, and accident-free.
• State Farm policyholders can earn discounts including anti-theft, Drive Safe & Save, safe vehicle, multiple autos, and multiple policy.
• 21st Century offers premium reductions for good student, air bags, homeowners, theft prevention, and anti-lock brakes.
• Travelers may include discounts for save driver, multi-car, home ownership, early quote, new car, and driver training.
• Geico has savings for five-year accident-free, anti-lock brakes, defensive driver, membership and employees, seat belt use, air bags, and daytime running lights.

When getting free insurance quotes, it’s a good idea to every company which credits you are entitled to. Depending on the company, some discounts might not be offered on policies in your area.

Insurance can be complex

When it comes to choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can aid in determining whether you may require specific advice.

• Will my rates increase for filing one claim?
• Is my custom paint covered by insurance?
• Does my policy cover my teen driver if they drive my company car?
• Will I lose any money if I cancel my policy before it expires?
• Is pleasure use cheaper than using my 2000 Jeep Wrangler to commute?
• Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Coverage specifics

Having a good grasp of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, falling objects, fire damage, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Jeep Wrangler.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability

This coverage protects you from damage that occurs to other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, emergency aid and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills like doctor visits, ambulance fees, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage