2001 Jeep Wrangler Insurance Rates – 6 Tricks for Cheapest Quotes

Locating low-cost insurance for your Jeep Wrangler can be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to compare car insurance rates so you’re going to learn the quickest way to compare rates on a Jeep and find the lowest price either online or from local insurance agents.

Buying car insurance is not that difficult. If you have a policy now or need a new policy, you can learn to find the best rates while maximizing coverage. Drivers just need to learn the tricks to get comparison rates online.

Buy insurance online

Most companies like Progressive, Geico, Allstate and State Farm provide insurance quotes from their websites. Getting online rates is fairly simple as you just enter the coverage amounts you desire on the page. Behind the scenes, their system pulls your driving and credit reports and generates pricing information based on these and other factors.

This makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information is a big time waster. But it’s necessary to do this if you are searching for the best price on insurance.

Online rates the easy way

A less time-consuming method to compare rates uses just one form that analyzes rates from a lot of companies. It saves time, helps eliminate reptitive entry, and makes comparison shopping a lot less work. After sending the form, it is quoted and you are able to buy any or none of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process takes less than 15 minutes and may result in a nice savings.

In order to find out how much you can save on insurance, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you input the insurance coverages just like they are on your policy. Doing this guarantees you’re receiving comparison quotes for similar insurance coverage.

Do drivers who switch really save?

Drivers can’t get away from all the ads for the lowest price insurance coverage from the likes of Progressive, Geico, Allstate and State Farm. All the ads convey the message that you can save if you move your policy.

How is it possible that every company can give you a better price? This is the way they can do it.

Insurance providers have specific characteristics for the type of driver that earns them the most money. An example of this type of insured should be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. Any new insured that fits those parameters will get very good rates and will also save quite a bit of money when switching.

Drivers who don’t meet the requirements must pay a higher rate which translates to business going elsewhere. The wording the ads use say “customers that switch” not “everyone that quotes” can save as much as they claim. This is how companies can truthfully lure you into getting a quote. This really illustrates why drivers must do a price quote comparison at every renewal. It’s not possible to predict with any certainty which company will have better prices than you’re paying now.

Discount auto insurance quotes

The price of auto insurance can be rather high, but there could be significant discounts that you may not even know about. Some discounts apply automatically at the time you complete a quote, but some discounts are required to be inquired about before you get the savings.

• Telematics Data – Drivers that enable their auto insurance company to look at driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
• Own a Home and Save – Just being a homeowner can earn you a little savings since home ownership requires a higher level of personal finance.
• Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease on Wrangler insurance depending on your auto insurance provider.
• Auto/Home Discount – If you combine your homeowners and auto policies with one insurance company you could earn a discount of 10% to 20% off each policy.
• Defensive Driver Discounts – Participating in a course teaching defensive driving skills is a good idea and can lower rates and easily recoup the cost of the course.
• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.

As is typical with insurance, most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you can get free auto insurance, auto insurance companies aren’t that generous. Any amount of discount will lower your overall bill.

Some companies who may offer some of the above discounts possibly include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

Before you buy a policy, ask each company to give you their best rates. Discounts may not be offered in your state. To locate insurers who offer online auto insurance quotes, click here.

Tailor your auto insurance coverage to you

When buying coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions might point out if your insurance needs would benefit from professional advice.

• Where can I find high-risk insurance?
• Do I have any recourse if my insurance company denies a claim?
• Which is better, split liability limits or combined limits?
• Will filing a claim cost me more?
• Does my personal policy cover me when driving out-of-state?
• What is PIP insurance?
• What should my uninsured motorist coverage limits be in my state?
• Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Educate yourself about auto insurance coverages

Knowing the specifics of auto insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like hospital visits, rehabilitation expenses, ambulance fees, surgery and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Jeep Wrangler.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Auto collision coverage

Collision insurance covers damage to your Wrangler resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for liability

This coverage can cover damage or injury you incur to other’s property or people. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like legal defense fees, court costs and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, a broken windshield, hitting a bird, damage from getting keyed and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Summing up your insurance search

When getting insurance coverage quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, someone dropped comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

A few companies may not provide rate quotes online and most of the time these smaller companies sell through independent insurance agents. The cheapest 2001 Jeep Wrangler insurance is attainable on the web in addition to many insurance agents, so compare prices from both to get a complete price analysis.

We covered many ways to lower your 2001 Jeep Wrangler insurance prices. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may even discover the biggest savings come from an unexpected company.

More articles

• What Does No-Fault Insurance Cover? (Allstate)
• Who Has Affordable Car Insurance Quotes for a Jeep Wrangler in Oklahoma City? (AutoGuardOKC.com)
• Who Has the Cheapest Auto Insurance Quotes for a Jeep Wrangler in Chandler? (ChandlerCoverage.com)
• Teen Driving Statistics (Geico)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Tools for Teen Driving Safety (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)