How Much Does 1997 Jeep Wrangler Insurance Cost?

Tired of being strong-armed to buy car insurance? You are in the same boat as many other consumers. You have multiple insurers to insure vehicles with, and even though it’s nice to be able to choose, it can be more challenging to adequately compare rates.

It’s important to compare rates quite often since insurance rates change frequently. If you had the lowest price for Wrangler insurance a few years ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re about to find out the fastest and easiest way to get good coverage at a lower rate.

How to Lower Your Insurance Coverage Cost

Most companies provide coverage price quotes on their websites. Getting online quotes is quite easy as you just type in the amount of coverage you want as requested by the quote form. After the form is submitted, their system will order your driving record and credit report and generates a price based on many factors. This simplifies rate comparisons, but the time required to go to several different sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to get better prices.

The quickest way to find cheaper rates uses one form that analyzes rates from more than one company. The form is fast, eliminates form submissions, and makes price shopping online much simpler. As soon as you send your information, it gets priced and you are able to buy any one of the resulting price quotes.

If a lower price is quoted, you simply finish the application and purchase coverage. This process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and find out how much you’re overpaying now, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you replicate the limits and deductibles exactly as they are listed on your policy. Doing this assures you will be getting comparison quotes for exact coverage.

Save big with these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Some trigger automatically when you purchase, but some must be asked about before they will apply. If you don’t get every credit possible, you are throwing money away.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will bring down your overall premium however.

To see a list of providers with the best insurance coverage discounts, click this link.

Pieces of the Jeep Wrangler insurance rate puzzle

Smart consumers have a good feel for the rating factors that help determine insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get better insurance rates.

The following are some of the items used by your company to calculate your rates.

  • Where you reside plays a part – Living in small towns and rural areas has it’s advantages when insuring your vehicles. Less people living in that area translates into fewer accidents and a lower car theft rate. Urban drivers regularly have congested traffic and longer commute times. Higher commute times means more change of being in an accident.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both are in accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations such as reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Liability coverage is cheap – Liability insurance provides coverage when a jury decides you are liable for damages from an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Clean credit earns discounts – Having a bad credit history is a big factor in determining what you pay for insurance. Therefore, if your credit history is not that good, you could pay less to insure your 1997 Jeep Wrangler by spending a little time repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit scores.
  • Bundling policies can get discounts – The majority of insurance companies give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Extra coverages can waste money – There are a lot of additional coverages that can waste your money on your insurance policy. Coverages for vanishing deductibles, accident forgiveness and motor club memberships are some examples. They may seem good initially, but if you don’t need them eliminate them to save money.
  • How your age affects price – Older drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be more careless behind the wheel and because of this, their insurance rates are much higher.
  • Safe vehicles cost less to insure – Cars with high safety ratings are cheaper to insure. These vehicles reduce injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Jeep Wrangler is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

But I don’t know anything about car insurance

When it comes to choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out whether your personal situation could use an agent’s help.

  • Why do I only qualify for high-risk insurance?
  • Is my Jeep Wrangler covered if I use it for business?
  • Am I covered if my car is in a flood?
  • Is a blown tire covered by insurance?
  • How much liability do I need to cover my assets?
  • Do I have newly-aquired coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Do drivers who switch really save $416 a year?

Consumers constantly see and hear ads for car insurance savings from companies such as Progressive, Geico, Allstate and State Farm. They all say the same thing of big savings if you change your policy.

But how can every company make the same claim?

Insurance companies have a certain “appetite” for the driver that makes them money. An example of a driver they prefer could be between the ages of 40 and 55, has no prior claims, and has a high credit rating. A driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t measure up to the “perfect” profile will be charged more money which leads to business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. This is how companies can claim big savings.

That is why drivers must get as many quotes as possible. You cannot predict which insurance company will fit your personal profile best.

Insurance coverage basics

Learning about specific coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, falling objects and hail damage. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – Collision insurance pays for damage to your Wrangler from colliding 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 such as backing into a parked car, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Jeep Wrangler.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Medical costs insurance – Med pay and PIP coverage provide coverage for bills for rehabilitation expenses, hospital visits and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability coverage provides protection from damage or injury you incur to a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like court costs, bail bonds, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Have the Midas touch

We covered some good ideas how to lower your 1997 Jeep Wrangler insurance rates. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the biggest savings come from a lesser-known regional company. They may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

When you buy insurance online, never reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and discovered at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

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