* Your location: Insurance rates differ drastically by state and even by zip code. Higher crime rates and accident frequencies lead to higher premiums.
* Your driving history: Accidents, tickets, and even the number of years you've been driving will impact your rates. A clean driving record will get you lower premiums.
* Your age and gender: Younger drivers, statistically, are involved in more accidents, leading to higher premiums. Gender also sometimes plays a role, although this is becoming less common in some areas.
* The level of coverage: Liability-only insurance is much cheaper than comprehensive and collision coverage. The amount of liability coverage you choose will also influence the cost.
* Your use of the vehicle: Do you drive it daily, occasionally, or only for off-roading? Daily drivers generally cost more to insure.
* The condition of the vehicle: A well-maintained Jeep will likely receive a slightly better rate than one that's in poor condition. However, for a 1987 vehicle, this factor might have less impact due to its age.
* The insurance company: Different insurance companies have different pricing models.
To get an accurate estimate, you'll need to contact several insurance companies directly and obtain quotes based on your specific circumstances. You can do this online through their websites or by calling them. Online comparison tools can also help you compare quotes from multiple insurers at once.
