ok so any one elce with this problem can fix it by adding another 3'' cable to the 18'' cable for the antenna
If they have the exact same setup as you, and have the antenna mounted where you do, and the solar flares are giving off the same relative activity, and have the same radio as you, and are driving your Jeep then perhaps this is the case... Every Jeep will have a different affect on groundplane and Al hit the nail on the head with his suggestions. Not every rig will have the same readings and I think most will agree that you should really check it with a proper SWR meter and not rely on the built in meter on the radio. For the most part with what CBs are used for on the trails here you can get away with a poorly tuned setup. However if you want to get more into HAM and have a CB that functions as best it can, it should be set up right and tuned properly. Not every rig will experience the same problems unfortunately. There are just too many factors.
Good to hear you got yours fixed though