Cheap 2003 Jeep Wrangler Car Insurance Cost

Locating cheaper insurance for your Jeep Wrangler can normally be difficult, but you can learn the following methods to save time. There are both good and bad ways to shop for auto insurance so you’re going to learn the quickest way to quote coverages on a Jeep and find the lowest possible price either online or from local insurance agents.

Discounts are great for lower rates

Companies do not list every discount very well, so here is a list some of the more common as well as the least known savings tricks you should be using. If you don’t get every credit you qualify for, you are throwing money away.

  • Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Wrangler insurance.
  • Low Mileage – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Wrangler insurance than drivers with accidents.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy can get a discount on all vehicles.

Keep in mind that some credits don’t apply to the overall cost of the policy. The majority will 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.

A partial list of companies that may offer these discounts include:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts may not be available in your state.

Fast and Easy Insurance Quotes

Most major insurance companies allow you to get coverage price quotes directly from their websites. Getting quotes is fairly straightforward as you simply type in your coverage preferences as requested by the quote form. Once you submit the form, the company’s rating system will order your credit score and driving record and gives you a price quote.

This makes it a lot easier to compare rates but the time required to go to a lot of sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you want to find the lowest insurance rates.

The better way to compare rates

An easier way to find better insurance pricing requires only one form that gets prices from more than one company. It’s a real time-saver, reduces the work, and makes online quotes much more efficient. After sending the form, it is quoted and you can select any or none of the price quotes you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It just takes a couple of minutes and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter your coverages just like they are on your policy. This helps ensure you will have comparison quotes for similar coverage.

These factors can influence what you pay for Jeep Wrangler insurance

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. The safest vehicles reduce injuries and lower injury rates means lower claim amounts and lower rates for you. If your Jeep scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • High numbers of claims are not good – If you file claims often, you can pretty much guarantee higher rates. Insurance companies give discounts to people who do not rely on their insurance for small claims. Insurance coverage is intended for the large, substantial claims.
  • Save money with special equipment – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • More miles equals more premium – The more miles you rack up on your Jeep in a year’s time the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on their usage. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy is showing how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Wrangler may be costing you.
  • Liability insurance protects assets – Liability insurance will protect you if you are found liable for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Your credit rating is important – Having a bad credit rating is a huge factor in determining what you pay for auto insurance. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores. If your credit rating can use some improvement, you could save money insuring your 2003 Jeep Wrangler by improving your rating.

You may need specialized coverage

When buying the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions can aid in determining if you might need professional guidance.

  • Is there coverage for injuries to my pets?
  • Can I afford low physical damage deductibles?
  • Should I drop comprehensive coverage on older vehicles?
  • What is the ISO rating for a 2003 Jeep Wrangler?
  • Does my insurance cover my expensive audio equipment?
  • When do I need to add a new car to my policy?
  • Who is covered by my policy?
  • Do I have coverage when using my vehicle for my home business?

If you’re not sure about those 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, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance myths debunked

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate, Geico and Progressive. All the ads say the same thing of big savings if you move your policy.

How do they all make the same claim? It’s all in the numbers.

Different companies can use profiling for the type of customer that earns them a profit. For example, a driver they prefer could be a mature driver, owns a home, and has a short commute. Any driver who matches those parameters gets the lowest rates and as a result will probably save a lot of money.

Drivers who do not match this ideal profile will be charged a more expensive rate which usually ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully claim big savings. That is why drivers must compare as many rates as you can. You cannot predict which car insurance company will fit your personal profile best.

Coverages available on your insurance policy

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverages – Liability coverage will cover damage that occurs to other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like structural damage, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for expenses such as EMT expenses, hospital visits and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, hitting a deer, rock chips in glass, falling objects and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Jeep Wrangler.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Be a money saver!

Throughout this article, we presented a lot of information how to reduce 2003 Jeep Wrangler insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the most savings is with a small mutual company.

Drivers switch companies for any number of reasons including being labeled a high risk driver, poor customer service, questionable increases in premium and even delays in paying claims. It doesn’t matter why you want to switch switching companies is actually quite simple.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. Too many times, drivers have reduced physical damage coverage only to discover later that they should have had better coverage. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

Even more information can be read at these sites: