Compare 2002 Jeep Wrangler Insurance Rates

Locating cheaper insurance for a Jeep Wrangler can normally be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to shop for auto insurance so you’re going to learn the quickest way to quote coverages for a Jeep and get the cheapest rates from both online companies and local agents.

Lower your insurance premiums

Consumers need to have an understanding of a few of the rating criteria that help calculate the level of your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that can help you get better insurance rates. Multiple criteria are taken into consideration when premium rates are determined. A few of the factors are predictable such as your driving history, although others are not quite as obvious like your continuous coverage or how financially stable you are.

The items below are some of the things companies use to determine premiums.

• You may save more by consolidating policies – Many companies provide lower prices to buyers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s in your best interest to compare other insurance prices to help guarantee you have the best rates.
• Marriage is a bonus – Having a spouse may cut your premiums on insurance. Having a significant other demonstrates that you tend to be more responsible and it’s proven that drivers who are married file infrequent claims.
• Costs increase with policy add-ons – There are many additional coverages that you can buy on your insurance policy. Add-on coverages like rental car reimbursement, towing coverage, and additional equipment coverage may not be needed and are just wasting money. They may seem good when discussing your needs, but your money might be better spent on other coverage so get rid of them and save.
• Traffic violations increase costs – Being a careful driver impacts premiums far more than you think. Careful drivers receive lower rates compared to drivers with tickets. Having a single speeding ticket or other violation could increase your next policy renewal by twenty percent. Drivers who have gotten careless violations such as reckless driving or DUI may find they need to complete a SR-22 with their state in order to keep their license.
• How old are your drivers? – Older, more experienced drivers are viewed as being more responsible, file fewer claims and tend to be get fewer driving tickets.Beginning drivers are statistically shown to be careless and easily distracted when driving therefore insurance rates are much higher.
• Liability risk factors in – The liability coverage on your policy kicks in if a jury decides you are liable for physical damage or personal injury to other. Your liability coverage provides legal defense coverage starting from day one. Liability insurance is pretty cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.

How to buy insurance online

Performing a rate comparison can be challenging if you aren’t aware of the most efficient way. You can waste hours talking to insurance companies in your area, or you could use online quoting to get the quickest rates.

Many insurance companies participate in an industry program that enables customers to submit one quote, and each participating company then returns a price quote determined by their information. This eliminates the need for quote forms to each individual insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The only downside to pricing coverage this way is you cannot specify the insurers to receive prices from. If you wish to select specific insurance companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here to view list.

The method you choose is up to you, but make sure you are using apples-to-apples deductibles and coverage limits for each comparison quote. If the quotes have different limits and deductibles on each one it’s impossible to determine the best price for your Jeep Wrangler.

Reduce your car insurance rates with discounts

Auto insurance companies do not advertise all their discounts very well, so the following list contains both the well known as well as some of the hidden credits available to lower your premiums when you buy car insurance online. If you aren’t receiving every discount you qualify for, you could be saving more on your car insurance.

• Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more off the medical payments premium.
• Multiple Vehicles – Buying insurance for multiple vehicles on a single policy can get a discount for every vehicle.
• Data Collection Discounts – People who choose to allow driving data collection to look at where and when they drive by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they are good drivers.
• Save over 55 – Drivers that qualify as senior citizens may receive a small decrease in premiums for Wrangler insurance.
• Life Insurance Discount – If the company offers life insurance, you could get better car insurancerates if you take out auto and life insurance together.
• Homeowners Savings – Just owning your own home may trigger a policy discount on car insurance because maintaining a house requires personal responsibility.

Remember that some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you can get free auto insurance, it just doesn’t work that way. Any amount of discount will definitely lower your premiums.

To locate companies that can offer you the previously mentioned discounts, click here to view.

You are unique and your insurance should be too

When it comes to buying the best insurance coverage, there really is no one size fits all plan. Each situation is unique.

For instance, these questions can aid in determining whether or not you would benefit from professional advice.

• Do I need special endorsements for business use of my vehicle?
• When would I need rental car insurance?
• Can I rate high risk drivers on liability-only vehicles?
• What discounts do I qualify for?
• Does car insurance cover theft of personal property?
• Am I covered if I hit my neighbor’s mailbox?
• Is my teenager covered with friends in the car?
• Do I need more liability coverage?
• Is my camper covered by my car insurance policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Specific coverages for a 2002 Jeep Wrangler

Understanding the coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from getting keyed and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Jeep Wrangler.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like court costs, bail bonds and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like prosthetic devices, dental work, nursing services, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision protection

Collision coverage covers damage to your Wrangler from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Knowledge is power

We covered many tips how you can compare 2002 Jeep Wrangler insurance prices online. The key concept to understand is the more you quote car insurance, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the lesser-known companies.

Consumers who switch companies do it for a number of reasons such as policy non-renewal, lack of trust in their agent, unfair underwriting practices and even poor customer service. No matter why you want to switch, finding a new company can be easy and end up saving you some money.

As you prepare to switch companies, you should never skimp on coverage in order to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your objective should be to purchase plenty of coverage at the best possible price while still protecting your assets.

More tips and info about insurance can be found in the articles below:

• Electronic Stability Control FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)