SWR affects performance for the types of antennas we use on our Jeeps. The further away from a 1:1 SWR for the types of antennas we use, the more the antenna is reflecting the transmitted signal back toward the transmitter instead of outward from the antenna where it can do some good.
A terribly bad SWR on an antenna installed onto a Jeep that cannot be tuned to an acceptably low SWR is often caused by the antenna mount. Either the antenna mount has been misassembled with the insulating shoulder washer either missing or installed on the wrong side of the mount, or the mount does not have a suitable RF ground. An RF ground is far more demanding of grounding quality than a simple ground required for something like a light bulb.
#1 the mount must be well grounded to the tub. If it's not a sky-high SWR can be the result. A simple ground wire is inadequate. If you can't grind enough paint or powder coating off to give the mount an adequate surface area of bare metal to bare metal connection, then use braided ground wire between the mount and a suitable bare metal grounding point. The bigger the surface area of the connections the better.
This mount is my preferred mount. It works well if assembled and installed properly.
This first illustration shows what is grounded (green) and what is signal related (red).
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This next one shows two key points.... what must be done if your mounting bracket is powder coated which acts as an insulator. You must grind a bare circle through the powder coating UNDERNEATH the mounting bracket everywhere the "SO-239 Coax Connector" touches it. The mounting bracket must have a solid bare metal connection to the tub or, less desirable, it must be grounded to a bare spot on the tub via a braided ground strap.
Then note the position of the "Insulated Shoulder Washer" below. It must be as shown and it must be centered in its mounting hole. This serves to insulate the antenna from ground and if missing or improperly positioned will cause the antenna to have a dead short to ground. This is super critical and I've probably fixed at least a half-dozen Jeep antenna problems by nothing more than replacing that insulating washer or moving it to the correct position.
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Getting a good low SWR is important and worth the effort to try to obtain. It's not black magic but it does require the basics be paid attention to... like the above. If your SWR is under 2.0:1 that is ok.
A time-saver I use is to only check and adjust the SWR at the mid-point of the CB band, channel 20. If it's as low as possible on channel 20, it's as low as it's going to be on Channels 1 and 40 too. Some people check and adjust on Channels 1 and 40 but I consider that an extra step that produces no benefit to just doing it all one time on channel 20.