I can’t think of anyone who is fond of buying insurance, particularly when they could find lower prices if they just compared rates.
Anyone knows that car insurance companies don’t want policyholders to shop around. Insureds who perform rate comparisons will presumably buy a different policy because there are good odds of finding a lower-cost company. A recent survey discovered that drivers who faithfully checked for cheaper rates saved an average of $3,500 over four years compared to drivers who never shopped around.
If finding the lowest rates on Jeep Wrangler insurance is why you’re here, then learning about how to get price quotes and compare insurance can help you be more efficient.
Steps to quoting cheaper Jeep Wrangler insurance in Dallas
If you want to find the absolute lowest rates, then the best way to find discount car insurance rates in Dallas is to compare prices at least once a year from companies in Texas.
- Step 1: It will benefit you to learn about auto insurance and the modifications you can make to keep rates down. Many rating criteria that cause rate increases such as traffic violations, accidents, and an unacceptable credit rating can be controlled by making minor changes to your lifestyle. This article gives tips to help reduce premium rates and earn larger discounts.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple companies.
- Step 3: Compare the new quotes to the price on your current policy to see if a cheaper rate is available. If you find better rates and buy the policy, verify that coverage does not lapse between policies.
A valuable tip to remember is to try to compare identical coverage information on each price quote and and to look at as many companies as you can. This helps ensure an accurate price comparison and a thorough selection of prices.
Big companies like Progressive, State Farm and GEICO continually hit you with ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.
It’s important to do rate comparisons once or twice a year because insurance prices change quite often. Even if you got the best price on Jeep Wrangler insurance in Dallas two years ago there may be better deals available now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the tricks you need to know to buy cheaper Jeep Wrangler insurance in Dallas.
If you have a current car insurance policy or just want to save money, you can use this information to buy cheaper car insurance without sacrificing coverage. Finding affordable car insurance coverage in Dallas can be made easier if you know where to look. Drivers only have to learn the most efficient way to compare company rates from many different companies.
The providers in the list below provide free quotes in Texas. If multiple companies are shown, we suggest you get prices from several of them to get the best price comparison.
You may qualify for discounts for Jeep Wrangler insurance in Dallas
Companies offering auto insurance don’t list every available discount very clearly, so the below list has both well-publicized and also the lesser-known discounts that may be available.
- Dallas Homeowners Pay Less – Simply owning a home can help you save on auto insurance since home ownership is proof that your finances are in order.
- Memberships – Belonging to qualifying clubs or civic groups could earn you a nice discount on your next auto insurance statement.
- Accident Free – Claim-free drivers have much lower rates in comparison with bad drivers.
- Mature Driver Discount – Drivers that qualify as senior citizens may receive a small discount on rates.
- Government Employee Discount – Employees or retirees of the government could cut as much as 10% off but check with your company.
Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will definitely lower your auto insurance premiums.
The example below illustrates the difference between Jeep Wrangler car insurance costs with and without discounts applied. The rates are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, multi-policy, and claim-free discounts applied.
To see a list of insurers who offer cheap Jeep Wrangler insurance quotes in Dallas in Texas, follow this link.
Rates and data analysis
The premium table below outlines different insurance rates for Jeep Wrangler models. Learning more about how insurance prices are determined can be valuable when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$220||$312||$400||$24||$120||$1,076||$90|
|Wrangler Unlimited Sport 2WD 4-Dr||$220||$312||$500||$30||$150||$1,212||$101|
|Wrangler Sport Islander Package 4WD 2-Dr||$220||$400||$400||$24||$120||$1,164||$97|
|Wrangler Unlimited Sport 4WD 4-Dr||$254||$312||$500||$30||$150||$1,246||$104|
|Wrangler Sahara 4WD 2-Dr||$254||$400||$400||$24||$120||$1,198||$100|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$254||$312||$500||$30||$150||$1,246||$104|
|Wrangler Unlimited Sahara 2WD 4-Dr||$254||$312||$500||$30||$150||$1,246||$104|
|Wrangler Rubicon 4WD 2-Dr||$254||$400||$400||$24||$120||$1,198||$100|
|Wrangler Unlimited Sahara 4WD 4-Dr||$254||$400||$500||$30||$150||$1,334||$111|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$286||$400||$500||$30||$150||$1,366||$114|
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in garaging location in Dallas which can modify premium rates greatly.
Insurance premiums for males and females
The information below visualizes the comparison of Jeep Wrangler insurance rates for male and female drivers. The price estimates are based on no claims or driving citations, comp and collision included, $250 deductibles, single status, and no discounts are applied to the premium.
Rate comparison of full coverage and liability-only
The chart below shows the difference between Jeep Wrangler insurance prices when comparing full coverage to liability only. The premiums assume no accidents, no driving violations, $100 deductibles, drivers are single, and no discounts are taken into consideration.
When to drop full coverage
There isn’t a steadfast formula of when to exclude full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s pretend your Jeep Wrangler replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after the policy deductible has been paid. If it’s costing in excess of $600 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some circumstances where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Lower Your Dallas Insurance Costs
Lots of things are part of the equation when you get a price on insurance. Some are pretty understandable like your driving record, although others are not as apparent like your continuous coverage or how financially stable you are. It’s important that you understand the different types of things that go into determining your premiums. When consumers understand what influences your rates, this allows you to make educated decisions that can help you get cheaper rates.
Don’t get traffic citations – Drivers who don’t get tickets pay less for auto insurance than their less careful counterparts. Just one moving violation can bump up the cost by as much as twenty percent. People who have multiple tickets such as reckless driving or DUI may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
The chart below demonstrates how speeding tickets and accidents can drive up Jeep Wrangler car insurance rates for different insured age categories. The rates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
Expect high rates for teens – More experienced drivers have been proven to be more responsible, file fewer claims, and are safer drivers. Teen drivers are proven to be less responsible when at the wheel of a vehicle so insurance rates are higher.
The chart below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Does your vocation cost you more? – Did you know your career choice can influence rates? Jobs like fire fighters, police officers, and accountants usually pay higher premiums than the average policyholder in part from job stress and long work days. On the flip side, occupations like farmers, historians and performers have lower than average premiums.
Get hitched and pay lower prices – Walking down the aisle may save some money on insurance. Having a spouse is viewed as being more responsible and it’s statistically proven that being married results in fewer claims.
Jeep Wrangler statistical loss data – Insurance companies factor in historical loss data as a tool for profitable underwriting. Vehicles that the statistics show to have high amounts or severity of claims will have increased rates. The information below illustrates the historical insurance loss data for Jeep Wrangler vehicles.
For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is set at 100. Values under 100 imply a favorable loss record, while numbers shown that are more than 100 indicate higher probability of having a loss or an increased chance of a larger loss.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Jeep Wrangler 2dr SWB 4WD||54||134||71||57||52||102|
|Jeep Wrangler 4dr 4WD||58||151||82||66||62||120|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years