2004 Jeep Wrangler Insurance Quotes

Searching for the cheapest insurance coverage rates for your Jeep Wrangler? Finding more affordable coverage rates on Driversinsurance coverage can seem to be a challenge for beginners to shopping for insurance online. With such a large number of insurers available, it can easily turn into a real difficult job to find cheaper coverage rates.

Compare car insurance rates

Performing a rate comparison can be a daunting task if you don’t know the easiest way. You can spend your afternoon driving to insurance companies in your area, or you could use online quoting to achieve your goal.

Many of the larger companies belong to an insurance system where insurance shoppers submit their information once, and each company can give them a price determined by their information. This eliminates the need for repetitive form submissions for each company you want a rate for. To enter your information into the quoting system, click here to start a free quote.

The only drawback to comparing rates this way is that consumers can’t choose the providers you will receive quotes from. So if you prefer to choose specific insurance companies to compare rates, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just make sure you use the exact same quote information on every quote. If you are comparing different liability limits you can’t possibly find the best deal for your Jeep Wrangler. Just a small difference in insurance coverages or limits could skew the results. And when comparing car insurance rates, know that comparing a wide range of rates will improve the odds of getting a better price.

Lower rates by qualifying for discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that can help lower your rates. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be manually applied before being credited.

• One Accident Forgiven – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
• Low Mileage Discounts – Keeping the miles down on your Jeep may enable drivers to earn lower prices on the low mileage vehicles.
• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
• Homeowners Savings – Owning your own home or condo can save you money because owning a home demonstrates responsibility.
• Telematics Data – People who choose to allow data collection to spy on where and when they drive by using a telematic data system like Allstate’s Drivewise might see lower rates if they exhibit good driving behavior.
• Distant College Student Discount – Children who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
• Responsible Driver Discounts – Safe drivers may save up to 50% more on Wrangler coverage as compared to drivers with claims.
• Pay Early and Save – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky. But any discount should help lower your overall premium however.

A partial list of companies that may have some of the above discounts possibly include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

If you need lower rates, check with each insurance company how you can save money. Savings might not be offered on policies in your area. To find insurance coverage companies with the best insurance coverage discounts, click here.

Auto insurance is unique, just like you

When choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help highlight if you might need professional guidance.

• I have health insurance so do I need medical payments coverage?
• When would I need additional glass coverage?
• Am I getting all the discounts available?
• What should my uninsured motorist coverage limits be in my state?
• Why is insurance for a teen driver so high?
• When should I remove comp and collision on my 2004 Jeep Wrangler?
• How much liability insurance is required?
• Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Wrangler.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, rehabilitation expenses, dental work, doctor visits and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as medical expenses, structural damage, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage covers damage to your Wrangler caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, hitting a bird, hail damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.