How Much Does 1999 Jeep Wrangler Insurance Cost?

Tired of scraping the payment together to insure your Jeep every month? You are in the same boat as many other drivers.

Big-name insurance companies like State Farm, Allstate, Geico and Progressive constantly blast consumers with fancy advertisements and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

If you currently have car insurance, you will be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. But vehicle owners must know how the larger insurance companies price online insurance and apply this information to your search.

These factors can influence what you pay for Jeep Wrangler insurance

It’s important that you understand the factors that go into determining the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Protect yourself with liability coverage – Liability insurance provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Little extras can really add up – There are a ton of add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages for roadside assistance, accidental death and membership fees are some examples. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.
  • Discounts for multiple policies – Some auto insurance companies will award you with lower prices to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible. Drivers may still find a better deal by buying insurance from more than one company.
  • Frequent auto insurance claims increase rates – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Car insurance companies award lower rates to people who are claim-free. Your insurance policy is meant to be used in the event of larger claims.
  • Marriage brings a discount – Being married can get you a discount on auto insurance. Having a significant other usually means you are more mature and it’s statistically proven that drivers who are married are more cautious.

Discounts are available to cut your rates

Auto insurance companies don’t list every available discount in an easy-to-find place, so here is a list both well-publicized and the harder-to-find auto insurance savings.

  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Senior Discount – Mature drivers may receive a discount up to 10% for Wrangler coverage.
  • Accident Waiver – A handful of insurance companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Wrangler coverage with certain companies.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • College Student – Youth drivers who live away from home and do not have a car may qualify for this discount.
  • Homeowners Discount – Owning a home can help you save on auto insurance because owning a home requires personal responsibility.
  • Memberships – Being a member of a civic or occupational organization may earn a discount on your policy for Wrangler coverage.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

To see a list of companies offering auto insurance discounts, click this link.

Ads can be misleading

Insurance companies such as Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. They all seem to make an identical promise of big savings if you move to their company. How can each company make the same claim?

Different companies are able to cherry pick for the driver that earns them a profit. A good example of a driver they prefer might be profiled as over the age of 40, owns a home, and has a short commute. Any new insured who matches those parameters receives the best rates and therefore will save when switching.

Potential customers who don’t meet these standards will be quoted a more expensive rate and this can result in the customer not buying. The ads say “customers who switch” not “everyone that quotes” save money. This is how companies can truthfully make those claims. This emphasizes why it is so important to compare as many rates as you can. It’s just too difficult to predict which company will have the lowest Jeep Wrangler insurance rates.

Everyone needs different coverages

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Who is covered by my policy?
  • Should I sign the liability waiver when renting a car?
  • Why am I required to buy liability insurance?
  • How much liability coverage do I need in my state?
  • Is my nanny covered when driving my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How can I find cheaper teen driver insurance?
  • How much liability do I need to cover my assets?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance 101

Having a good grasp of a insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for hospital visits, surgery and prosthetic devices. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as structural damage, court costs and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for collisions

Collision coverage covers damage to your Wrangler resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, hitting a parking meter, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1999 Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, damage from a tornado or hurricane, rock chips in glass, theft and fire damage. The highest amount 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 removing comprehensive coverage.

Smart shoppers get results

When you buy insurance online, never skimp on critical coverages to save a buck or two. Too many times, an insured dropped full coverage and learned later they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest price while still protecting your assets.

You just read many tips how you can save on 1999 Jeep Wrangler insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the lowest premiums are with a small local company. These companies may only write in your state and offer lower rates compared to the large companies like Allstate, Geico and Progressive.

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