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The hubs on your Jeep have to stand up to a lot of stress and abuse, even on a Jeep that doesn't see much off road driving. If your hubs are making noise, or if you can wobble your tires when you lift your Jeep off the ground with a jack, it's probably time to replace your worn out hubs.
Driving on worn hubs can lead to premature wear of your tires, as well as other components like ball joints and tie rod ends. Not to mention it could be dangerous if the hub completely fails.