Cheapest 2002 Jeep Wrangler Insurance Rates in 2024

Shopping for car insurance is not something consumers like to do, but all states require it to be legal on the road.

If you currently have car insurance, you should be able to reduce your rates substantially using these methods. The purpose of this article is to familiarize you with the best way to quote coverages and some money-saving tips. Although consumers do need to know the way insurance companies determine prices.

Fast and Easy Auto Insurance Quotes

When shopping for auto insurance there are multiple ways of comparing rate quotes from auto insurance companies in your area. The best way to find competitive 2002 Jeep Wrangler insurance rates involves getting comparison quotes online. This can be done in several different ways.

• The recommended way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This form prevents you from having to do repetitive form submissions to each individual auto insurance company. One form will return quotes from many national carriers. It’s the fastest way to compare.
• A more time consuming way to compare rate quotes is to manually visit the website for every company you want to comare and complete a new quote form. For sake of this example, let’s assume you want to compare Progressive, State Farm and Farmers. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
• The least recommended way of comparing rate quotes is driving to local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the personal advice only provided by licensed agents. It is possible to price shop your coverage online but still have the advice of a local agent.

Whichever way you use, ensure you’re using apples-to-apples coverages and limits with every price quote. If the quotes have mixed coverages it will be very difficult to decipher which rate is best. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparing auto insurance rates, know that comparing more company’s prices helps locate the best offered rates.

Discounts to lower 2002 Jeep Wrangler insurance rates

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but less common discounts must be specially asked for prior to receiving the credit.

• No Accidents – Drivers who don’t have accidents pay less when compared with frequent claim filers.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• No Charge for an Accident – Some insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
• New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.
• Distant Student – Kids in college who live away from home and don’t have a car may qualify for this discount.
• Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts up to 30%.

It’s important to understand that some of the credits will not apply the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. But any discount will help reduce your overall premium however.

Companies that may have these benefits may include but are not limited to:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

Check with each company which discounts they offer. Some discounts might not be offered in your area.

Jeep Wrangler rates are complex

Consumers need to have an understanding of some of the elements that go into determining the price you pay for car insurance. Knowing what impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

Listed below are some of the factors car insurance companies consider when setting prices.

• Careful drivers pay lower rates – Your driving citation history has a huge affect on how much you pay. Good drivers tend to pay less for car insurance compared to drivers with tickets. Even one ticket can increase rates by twenty percent. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
• Safer cars cost less to insure – Safer cars are cheaper to insure. Safer cars result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Jeep Wrangler is rated at least four stars on Safercar.gov you may qualify for a discount.
• Liability insurance protects assets – Liability insurance is the coverage that protects you in the event that a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
• Too many car insurance claims drive up costs – Car insurance companies award lower rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Car insurance is intended to be relied upon for major claims that would cause financial hardship.

Tailor your coverage to you

When choosing coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

• Is motorclub coverage worth it?
• Should I have a commercial auto policy?
• What is medical payments coverage?
• Should I bundle my homeowners policy with my auto?
• If my pet gets injured in an accident are they covered?
• Am I getting all the discounts available?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Save $487 a year. For real?

Car insurance companies such as State Farm and Allstate continually stream ads on TV and radio. They all seem to make an identical promise that you can save after switching to their company. How do they all say the same thing?

All the different companies have a preferred profile for the type of driver they prefer to insure. For example, a driver they prefer could possibly be a mature driver, owns a home, and has a short commute. A driver that hits that “sweet spot” will get the preferred rates and most likely will save quite a bit of money when switching.

Potential customers who don’t qualify for these standards will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much. This is how companies can truthfully claim big savings.

This emphasizes why it is so important to compare as many rates as you can. It’s impossible to know which insurance companies will provide you with the cheapest Jeep Wrangler insurance rates.

The coverage is in the details

Having a good grasp of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2002 Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for prosthetic devices, doctor visits, surgery and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance covers damage to your Wrangler caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, colliding with a tree, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as legal defense fees, repair costs for stationary objects, structural damage and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive auto insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, a tree branch falling on your vehicle, hitting a bird and hitting a deer. The maximum 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 it’s not worth carrying full coverage.

Shop around and save

Budget-conscious 2002 Jeep Wrangler insurance can be sourced from both online companies in addition to many insurance agents, so you should compare both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability limits or collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

We just presented many ideas to save on insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company.

Helpful articles

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)

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