Find Affordable Jeep Wrangler Insurance in Jacksonville

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Insurance quote for Jeep Wrangler in JacksonvilleLooking for more affordable car insurance rates in Jacksonville, FL? Jacksonville consumers have options when looking for the lowest priced Jeep Wrangler insurance. They can either spend hours struggling with agents getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to buy car insurance so you're going to learn the best way to compare rates for your Jeep and get the lowest price.

It's a good idea to get comparison quotes at least once a year because insurance prices fluctuate regularly. Even if you think you had the best deal on Jeep Wrangler insurance in Jacksonville on your last policy you will most likely find a better rate quote today. There is a lot of wrong information about Wrangler insurance on the internet, but we're going to give you some solid techniques on how to find affordable car insurance in Jacksonville.

Jeep Wrangler insurance statistics and information

The coverage information below showcases a range of insurance rates for Jeep Wrangler models. Learning more about how policy premiums are established can be useful when making smart choices when selecting a coverage provider.

Jeep Wrangler Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $356 $418 $546 $32 $164 $1,516 $126
Wrangler Unlimited Sport 2WD 4-Dr $356 $418 $684 $40 $204 $1,702 $142
Wrangler Sport Islander Package 4WD 2-Dr $356 $532 $546 $32 $164 $1,630 $136
Wrangler Unlimited Sport 4WD 4-Dr $410 $418 $684 $40 $204 $1,756 $146
Wrangler Sahara 4WD 2-Dr $410 $532 $546 $32 $164 $1,684 $140
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $410 $418 $684 $40 $204 $1,756 $146
Wrangler Unlimited Sahara 2WD 4-Dr $410 $418 $684 $40 $204 $1,756 $146
Wrangler Rubicon 4WD 2-Dr $410 $532 $546 $32 $164 $1,684 $140
Wrangler Unlimited Sahara 4WD 4-Dr $410 $532 $684 $40 $204 $1,870 $156
Wrangler Unlimited Rubicon 4WD 4-Dr $462 $532 $684 $40 $204 $1,922 $160
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific location which can change coverage rates significantly.

Rate comparison for different deductibles

One of the more difficult decisions when buying insurance is what deductibles to buy. The following insurance rates sum up the rate differences of buying low and high policy deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Jeep Wrangler insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $312 $418 $418 $24 $124 $1,321 $110
Wrangler Unlimited Sport 2WD 4-Dr $312 $418 $522 $30 $156 $1,463 $122
Wrangler Sport Islander Package 4WD 2-Dr $312 $532 $418 $24 $124 $1,435 $120
Wrangler Unlimited Sport 4WD 4-Dr $358 $418 $522 $30 $156 $1,509 $126
Wrangler Sahara 4WD 2-Dr $358 $532 $418 $24 $124 $1,481 $123
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $358 $418 $522 $30 $156 $1,509 $126
Wrangler Unlimited Sahara 2WD 4-Dr $358 $418 $522 $30 $156 $1,509 $126
Wrangler Rubicon 4WD 2-Dr $358 $532 $418 $24 $124 $1,481 $123
Wrangler Unlimited Sahara 4WD 4-Dr $358 $532 $522 $30 $156 $1,623 $135
Wrangler Unlimited Rubicon 4WD 4-Dr $406 $532 $522 $30 $156 $1,671 $139
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Jeep Wrangler insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $228 $282 $418 $24 $124 $1,076 $90
Wrangler Unlimited Sport 2WD 4-Dr $228 $282 $522 $30 $156 $1,218 $102
Wrangler Sport Islander Package 4WD 2-Dr $228 $360 $418 $24 $124 $1,154 $96
Wrangler Unlimited Sport 4WD 4-Dr $262 $282 $522 $30 $156 $1,252 $104
Wrangler Sahara 4WD 2-Dr $262 $360 $418 $24 $124 $1,188 $99
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $262 $282 $522 $30 $156 $1,252 $104
Wrangler Unlimited Sahara 2WD 4-Dr $262 $282 $522 $30 $156 $1,252 $104
Wrangler Rubicon 4WD 2-Dr $262 $360 $418 $24 $124 $1,188 $99
Wrangler Unlimited Sahara 4WD 4-Dr $262 $360 $522 $30 $156 $1,330 $111
Wrangler Unlimited Rubicon 4WD 4-Dr $296 $360 $522 $30 $156 $1,364 $114
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Table data does not factor in vehicle location which can modify price quotes considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $23 more each month or $276 a year than opting for the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 17 months between claim filings, you would most likely save money by selecting a higher deductible.

How accidents and violations affect rates

The chart below highlights how traffic violations and accidents can increase Jeep Wrangler insurance premiums for different age groups of insureds. The costs are based on a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Yearly insurance costs for men versus women

The chart below shows the difference between Jeep Wrangler car insurance rates for male and female drivers. Data assumes no violations or accidents, full coverage, $100 deductibles, drivers are single, and no discounts are factored in.

Informed Drivers Can Slash Their Insurance Rates

Part of the auto insurance buying process is learning some of the factors that aid in calculating your auto insurance rates. If you have some idea of what controls the rates you pay, this enables informed choices that can help you get better auto insurance rates. Many factors are part of the equation when you get a price on insurance. Some factors are common sense such as your driving record, but other criteria are more obscure such as whether you are married or how safe your car is.

The factors shown below are some of the most rate-impacting factors that factor into premiums.

  • Less chance of injury means lower premiums - Cars with high safety ratings tend to have lower insurance rates. The safest vehicles protect occupants better and any reduction in injury severity translates directly to fewer claims which can mean better rates for you. If your Jeep scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Single drivers take more risk - Walking down the aisle may save some money on auto insurance. Having a significant other may mean you are more financially stable and insurance companies reward insureds because drivers who are married file infrequent claims.
  • More performance means higher rates - The type of car or truck you need to insure makes a big difference in the rate you pay. The lowest rates will normally be found when insuring economy passenger models, but that's not the only thing that factors into the final price.

    The chart below uses these assumptions: single male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Jeep Wrangler insurance premiums compared to other makes and models that have different performance risks.

  • Better prices for continuous auto insurance coverage - Letting your insurance expire is a sure-fire way to drive up your policy premiums. And not only will your rates increase, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Florida DMV.
  • Insurance loss data for Jeep Wrangler vehicles - Insurers use past insurance losses in order to profitably underwrite each model. Models that historically have higher number or severity of losses will cost more for specific coverages. The table below demonstrates the historical loss data for Jeep Wrangler vehicles.

    For each insurance policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers that are below 100 imply a favorable loss record, while percentages above 100 indicate frequent claims or a tendency for losses to be larger than average.

    Auto Insurance Loss Data for Jeep Wrangler Models
    Vehicle 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
    BETTER
    AVERAGE
    WORSE

    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

A little work can save a LOT of money

Budget-conscious Jeep Wrangler insurance is attainable online and from local agencies, and you need to price shop both to get a complete price analysis. There are still a few companies who may not have the ability to get quotes online and usually these regional carriers only sell coverage through local independent agents.

We just covered many ways to find affordable Jeep Wrangler insurance in Jacksonville. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. You may even find the lowest rates come from some of the lesser-known companies.

People change insurance companies for a number of reasons such as high rates after DUI convictions, policy non-renewal, policy cancellation and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies can be easier than you think.

How to find the cheapest rates for Jeep Wrangler insurance in Jacksonville

If saving money is your primary concern, then the best way to get discount Jeep Wrangler insurance in Jacksonville is to regularly compare prices from insurers in Florida.

  1. Try to understand auto insurance and the measures you can control to lower rates. Many risk factors that result in higher prices like getting speeding tickets and a poor credit rating can be controlled by making minor driving habit or lifestyle changes.
  2. Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple sources.
  3. Compare the new rate quotes to your existing coverage to see if cheaper Wrangler coverage is available. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide notification to your current agent or company of your decision to cancel the current policy. Submit the signed application along with the required initial payment for the new policy. As soon as coverage is bound, put the new certificate of insurance with the vehicle registration.

A good tip to remember is that you use similar deductibles and liability limits on every quote request and and to get price quotes from every company you can. This guarantees a level playing field and a good representation of prices.

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