2004 Jeep Wrangler Car Insurance Quotes

Searching for cheaper insurance coverage rates for your Jeep Wrangler? Locating cheaper insurance for a Jeep Wrangler could be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the proper way to quote coverages for a new or used Jeep and obtain the lowest possible price.

It’s smart to get comparison quotes occasionally since insurance rates tend to go up over time. Even if you got the best price on Wrangler coverage last year you can probably find a better price now. There is a lot of bad advice regarding insurance coverage on the web, but with this article, you’re going to get some good information on how to find affordable insurance coverage.

Discounts can save BIG

Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but some must be specially asked for prior to getting the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Save with a New Car – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Wrangler coverage with certain companies.
  • Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break when shopping for insurance on Wrangler coverage.
  • Drive Less and Save – Keeping the miles down on your Jeep can earn a substantially lower rate.

It’s important to note that most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, insurance companies aren’t that generous. Any qualifying discounts will bring down your premiums.

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

Will just any policy work for me?

When choosing adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your insurance needs could use an agent’s help.

  • What if I total my 2004 Jeep Wrangler and owe more than it’s worth?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Which is better, split liability limits or combined limits?
  • What can I do if my company won’t pay a claim?
  • Do I have newly-aquired coverage?
  • Does liability extend to a camper or trailer?
  • Can my babysitter drive my car?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Is there truth in advertising?

Consumers constantly see and hear ads that promise big savings from the likes of State Farm, Geico and Progressive. All the ads say the same thing of big savings after switching your coverage to them.

How does each company make the same claim?

Different companies can use profiling for the type of customer that makes them money. A good example of a preferred risk might be between the ages of 40 and 55, has no tickets, and drives less than 7,500 miles a year. A driver who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.

Consumers who don’t meet this ideal profile will be charged a higher premium which usually ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently make the claims of big savings.

That is why drivers should get quotes from several different companies. It’s just too difficult to predict which insurance company will fit your personal profile best.

Insurance coverage specifics

Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like doctor visits, ambulance fees, chiropractic care and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as loss of income, emergency aid, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Jeep Wrangler.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Collision insurance

Collision insurance pays for damage to your Wrangler resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, vandalism, falling objects and rock chips in glass. The maximum payout 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 probably time to drop comprehensive insurance.

Make an honest buck

When shopping online for insurance, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured dropped liability limits or collision coverage to discover at claim time that it was a big error on their part. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Budget-conscious 2004 Jeep Wrangler insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

Drivers change insurance companies for many reasons like policy non-renewal, extreme rates for teen drivers, not issuing a premium refund or even being labeled a high risk driver. Regardless of your reason, finding a new company can be easier than you think.

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