1991 Jeep Wrangler Insurance Quotes

Nobody I know enjoys paying for auto insurance, especially knowing the cost is way too high. Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the lowest cost out there.

If you have insurance now or are shopping for new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Consumers just need to learn the proper methods to get comparison rates online.

Save money by taking advantage of these discounts

Companies offering auto insurance don’t always advertise every discount very well, so the following is a list of both the well known and the more hidden ways to save on auto insurance. If you don’t get every credit possible, you’re paying more than you need to.

  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Wrangler insurance with a few auto insurance companies.
  • Low Mileage – Fewer annual miles on your Jeep could qualify for better rates on cars that stay parked.
  • Defensive Driver – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Companies that may offer these benefits are:

Before buying, ask each company which discounts you may be entitled to. Discounts may not apply everywhere.

When should I use an insurance agent?

When choosing the best insurance coverage coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions could help you determine if you could use an agent’s help.

  • How much can I save by bundling my policies?
  • How much underlying liability do I need for an umbrella policy?
  • Is my teenager covered with friends in the car?
  • When can my company non-renew my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is business property covered if stolen from my car?
  • Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Car insurance coverages for a Jeep Wrangler

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Auto liability – Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as bail bonds, court costs and emergency aid. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, damaging your car on a curb, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hail damage, a broken windshield and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like X-ray expenses, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Final thoughts

In this article, we covered a lot of tips how to shop for 1991 Jeep Wrangler insurance online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with the least-expected company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Low-cost insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Much more information about auto insurance can be found below: