Cheapest 1998 Jeep Wrangler Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Buyers have many options when searching for low-cost Jeep Wrangler insurance. You can either spend your time driving around trying to get quotes or utilize the internet to make rate comparisons. There are both good and bad ways to buy car insurance so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Jeep and obtain the lowest possible price either online or from local insurance agents.

It’s a good habit to take a look at other company’s rates at least once a year because insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest rates for Wrangler coverage last year you can probably find a better price now. Starting now, block out anything you think you know about car insurance because we’re going to show you the proper way to remove unneeded coverages and save money.

Best discounts on 1998 Jeep Wrangler coverage

Auto insurance companies don’t always publicize every available discount very clearly, so we took the time to find some of the more common as well as the least known ways to save on insurance coverage. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Wrangler coverage with certain companies.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for Wrangler coverage than drivers with accident claims.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

Companies that possibly offer these discounts include:

  • Progressive
  • The Hartford
  • Mercury Insurance
  • AAA
  • State Farm

Check with each company what discounts are available to you. Savings may not be available in your state.

How to Lower Your Insurance Coverage Cost

Finding a lower price on 1998 Jeep Wrangler insurance is surprisingly easy. The only requirement is to take a couple of minutes getting comparison quotes provided by online insurance companies. This can be accomplished in several different ways.

  1. The best way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. One form submission will get you price quotes instantly. Just one form and you’re done.
  2. A more time consuming way to compare prices is spending the time to visit the website of each company and request a quote. For instance, let’s assume you want comparison quotes from GEICO, Safeco and Farmers. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.To view a list of companies in your area, click here.

Whichever method you choose, compare the exact same coverage limits on every quote you get. If you have different liability limits it’s impossible to determine the best price for your Jeep Wrangler.

Tailor your coverage to you

When buying coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

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These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Is my Jeep Wrangler covered if I use it for business?
  • When would I need additional glass coverage?
  • Is my camper covered by my car insurance policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I get collision insurance on every vehicle?
  • When should I not file a claim?
  • Why does it cost so much to insure a teen driver?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, falling objects, hitting a bird and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover 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 values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims such as structural damage, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Wrangler.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like ambulance fees, doctor visits, prosthetic devices, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your Wrangler from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

You can do this!

Consumers switch companies for any number of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, not issuing a premium refund and denial of a claim. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

In this article, we covered a lot of ways to get a better price on 1998 Jeep Wrangler insurance. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest premiums are with a small local company.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. In too many instances, an accident victim reduced full coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

More tips and info about car insurance is located by following these links:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance for my 1998 Jeep Wrangler?

To find the cheapest insurance for your 1998 Jeep Wrangler, consider the following tips:

  • Shop around and compare quotes from different insurance providers.
  • Maintain a clean driving record, as insurers often offer lower rates to drivers with good records.
  • Opt for higher deductibles, which can lower your premium.
  • Look for insurance companies that offer discounts specifically for Jeep Wrangler owners.
  • Consider bundling your car insurance with other policies, such as homeowners or renters insurance, for potential multi-policy discounts.

Do older vehicles like the 1998 Jeep Wrangler generally have cheaper insurance rates?

In many cases, older vehicles like the 1998 Jeep Wrangler can have cheaper insurance rates compared to newer models. This is because older vehicles typically have a lower market value and can be less expensive to repair or replace. However, insurance rates are determined by various factors, including the make and model of the vehicle, the driver’s personal profile, and the insurance company’s policies. It’s always best to obtain quotes from multiple insurance providers to compare rates for your specific situation.

What are some factors that can affect the cost of insurance for a 1998 Jeep Wrangler?

Several factors can influence the cost of insurance for a 1998 Jeep Wrangler. These may include:

  • Your age and driving experience.
  • Your location, as insurance rates can vary by state and even ZIP code.
  • Your driving record and claims history.
  • The intended use of the vehicle (e.g., personal use, business use, commuting).
  • The level of coverage you choose (liability-only vs. comprehensive coverage).
  • The deductible amount you select.
  • The presence of any additional safety features or anti-theft devices on your Jeep Wrangler.
  • Your credit history (in some cases, as allowed by law and insurer policy).

Are there any specific insurance discounts or programs available for a 1998 Jeep Wrangler?

While discounts and programs can vary among insurance providers, some common ones for a 1998 Jeep Wrangler may include:

  • Multi-policy discounts: Insurers often provide discounts when you bundle your car insurance with other policies like home or renters insurance.
  • Safety feature discounts: If your Jeep Wrangler is equipped with safety features such as anti-lock brakes, airbags, or an anti-theft system, you may be eligible for lower rates.
  • Good driver discounts: Maintaining a clean driving record with no accidents or violations can help you qualify for discounted rates.
  • Membership discounts: Some insurers offer discounts to members of certain organizations or professional associations.

Can modifying my 1998 Jeep Wrangler affect my insurance rates?

Yes, modifications to your 1998 Jeep Wrangler can potentially impact your insurance rates. Modifications that increase the vehicle’s performance or make it more valuable may result in higher premiums. It’s crucial to inform your insurance provider about any modifications made to your Jeep Wrangler to ensure you have the appropriate coverage. Failing to disclose modifications could lead to coverage gaps or denied claims.

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