2003 Jeep Wrangler Insurance Cost – 9 Tips for Cheaper Prices

Consumers have lots of choices when looking for the lowest priced Jeep Wrangler insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to find the lowest rates.

There is a right way and a wrong way to find insurance coverage online so you’re going to learn the absolute fastest way to quote coverages for your Jeep and locate the lowest possible price.

Consumers need to do price comparisons before your next renewal since insurance prices change frequently. Just because you found the best deal for Wrangler coverage a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the best way to lower your annual insurance bill.

Take advantage of these nine discounts

Insurance coverage is not cheap nor is it fun to buy but you can get discounts that can dramatically reduce your bill. Many discounts should be triggered at quote time, but some discounts are required to be asked about before being credited.

• Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
• Government Employee Discount – Active or retired federal employment can save as much as 8% for Wrangler coverage depending on your company.
• Mature Driver Discount – If you qualify as a senior citizen, you can get reduced rates for Wrangler coverage.
• ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
• Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
• Low Mileage – Keeping the miles down on your Jeep could earn better premium rates on cars that stay parked.
• E-sign Discounts
• Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings of 25 to 30%.
• Membership in Organizations – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a insurance quote.

Just know that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, nobody gets a free ride.

To view insurance companies offering insurance coverage discounts, click here.

How to buy auto insurance

Getting a cheaper price on 2003 Jeep Wrangler insurance doesn’t have to be difficult. All you need to do is invest a little time to get quotes to find the company with inexpensive insurance quotes. Comparing prices online can be done in several different ways.

1. The recommended way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do repetitive form submissions for every company. One quote request will get you rate comparisons from auto insurance companies with the best prices.It’s the quickest way to get rates.
2. A slightly less efficient method to compare rate quotes is to take the time to go to each individual company website and go through the quote process again. For example, we’ll pretend you want to compare prices for Allstate, 21st Century and Progressive. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s up to you which method you use, but make sure you are using nearly identical information for each price quote. If your comparisons have unequal deductibles or liability limits then you won’t be able to get a fair rate comparison.

Special considerations

When buying proper insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you might need an agent’s assistance.

• Does my personal policy cover me when driving out-of-state?
• Do I really need UM/UIM coverage?
• Am I covered when driving on a suspended license?
• Do I need PIP coverage since I have good health insurance?
• Am I missing any policy discounts?
• Is my nanny covered when driving my vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Do insurance companies bend the truth?

Consumers can’t avoid all the ads for the lowest price insurance from companies such as Allstate, Geico and Progressive. All the companies seem to make the promise that drivers can save some big amount just by moving your policy.

That’s great but how can every company have lower policy pricing? This is the way they can do it.

All the different companies require specific criteria for the driver that earns them the highest profit. One example of this type of insured could possibly be a mature driver, has few claims, and chooses high deductibles. Any driver that fits those parameters will get low prices and will save if they switch.

Consumers who do not match the “perfect” profile will get higher prices which leads to the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” not “everyone that quotes” save the amount stated. This is how companies can truthfully make claims that they all have the best prices.

Different companies use different criteria so you really should get insurance quotes as often as possible. It’s just not possible to know which company will fit your personal profile best.

Auto insurance coverage information

Having a good grasp of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, scraping a guard rail, colliding with another moving vehicle, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills for surgery, dental work, ambulance fees, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, damage from getting keyed, falling objects, theft and damage from flooding. 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.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Jeep Wrangler.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Final considerations

We just covered quite a bit of information on how to get a better price on 2003 Jeep Wrangler insurance. The most important thing to understand is the more you quote insurance, the better your chances of lowering your prices. Consumers could even find that the most savings is with some of the smallest insurance companies.

Affordable 2003 Jeep Wrangler insurance can be bought on the web and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers only sell through independent agents.

People switch companies for many reasons like denial of a claim, unfair underwriting practices, an unsatisfactory settlement offer and even policy non-renewal. It doesn’t matter what your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

Additional detailed information is available at these sites:

• Get the Right Protection (InsureUonline.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)