Save Money on Jeep Wrangler Insurance in Arlington

A study showed that nearly 70% of drivers have stayed with the same insurance company for over three years, and almost 40% of drivers have never compared rates from other carriers. Many drivers in Arlington could cut their rates by almost 70% a year just by getting comparison quotes, but they just feel it’s too hard to find cheaper rates by getting comparison quotes.

It takes a little time, but the best way to find affordable quotes for car insurance rates in Arlington is to start comparing prices regularly from insurance carriers who can sell car insurance in Texas.

1. Read about how insurance companies determine prices and the steps you can take to prevent expensive coverage. Many factors that cause rate increases like getting speeding tickets and your credit history can be controlled by being financially responsible and driving safely.
2. Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can give you price quotes for a wide range of companies.
3. Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find better rates, make sure there is no coverage gap between policies.
4. Give notification to your current company to cancel the current policy. Submit payment and a signed application to the new company. Make sure you place the new proof of insurance paperwork somewhere easily accessible.

The most important part of shopping around is to make sure you’re comparing identical coverage information on each quote and and to get rates from every company you can. This ensures the most accurate price comparison and plenty of rates choose from.

How much does Jeep Wrangler insurance in Arlington cost?

Most major insurance companies provide insurance quotes online. Getting online quotes for Jeep Wrangler insurance in Arlington is pretty easy as you just enter your required coverages on the page. After the form is submitted, the company’s rating system obtains credit information and your driving record and generates a price based on the information you submitted.

Being able to quote online for Jeep Wrangler insurance in Arlington makes comparing rates easy, and it is important to perform this step if you want to find the cheapest auto insurance rates.

To save time and get comparison pricing now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you input the coverages identical to your current policy. Doing this guarantees you will get comparison quotes based on similar coverages.

The following companies offer comparison quotes in Texas. If you wish to find cheap car insurance in TX, we recommend you get price quotes from several of them to get the cheapest price.

Companies offer money-saving discounts on Jeep Wrangler insurance in Arlington

Insurance is expensive, but discounts can save money and there are some available to cut the cost considerably. Many of these discounts will be applied automatically when you get a quote, but a few must be inquired about before you will receive the discount.

• Waiver for an Accident – Not a discount per se, but companies like Progressive, Allstate, and GEICO permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
• Telematics Discount – Policyholders that allow data collection to monitor driving manner by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if their driving habits are good.
• Savings for New Vehicles – Buying insurance coverage on a new vehicle can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
• Pay Early and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts could save 15% off the PIP or medical payment premium.
• Theft Deterrent – Cars equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
• Life Insurance – Insurance companies who offer life insurance give a lower rate if you buy life insurance.
• Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles with the same company could earn a price break for each car.
• Good Students Pay Less – This discount may save you up to 25%. Earning this discount can benefit you until age 25.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, insurance companies aren’t that generous.

The example below visualizes the comparison of Jeep Wrangler insurance costs with and without discounts applied. The rates are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.

A partial list of companies that may include these money-saving discounts may include but are not limited to:

• State Farm
• Farmers Insurance
• Progressive
• GEICO
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

When quoting, ask every insurance company which discounts you qualify for. A few discounts might not be offered on policies in every state. To choose providers that offer some of these discounts in Arlington, click this link.

Coverage information

The coverage table below highlights detailed analysis of insurance coverage prices for Jeep Wrangler models. Being more informed about how insurance prices are figured can help customers make smart choices when buying a policy.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Information does not factor in specific zip code location which can increase or decrease price quotes considerably.

Deductible comparison

One common question asked by Arlington drivers is which deductibles should you choose. The following tables highlight the difference in cost when you choose different insurance deductibles. The first rate table uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific location which can change price quotes substantially.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $31 more each month or $372 annually than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 29 months between claims, you would probably come out ahead by selecting a higher deductible.

The example below highlights how deductible choice and can impact Jeep Wrangler annual premium costs for different age groups. The premiums are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Responsible drivers pay cheaper auto insurance rates

The information below highlights how speeding tickets and accidents impact Jeep Wrangler auto insurance costs for different insured age categories. The prices are based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Jeep Wrangler liability rates compared to full coverage

The example below shows the difference between Jeep Wrangler premium costs with and without full coverage. The costs are based on no claims or driving citations, $250 deductibles, drivers are not married, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no written rule to delete physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s say your Jeep Wrangler claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after paying the physical damage deductible. If it’s costing you more than $300 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Get rate quotes but work with a local neighborhood Arlington car insurance agent

Many people still prefer to talk to an insurance agent and that is a personal choice. One of the benefits of comparing insurance online is you may find better rates and still buy from a local agent. Buying insurance from small agencies is important particularly in Arlington.

After completing this quick form, the quote information is submitted to participating agents in Arlington that can give you free Arlington car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer due to the fact that quote results will go immediately to you. You can get cheaper insurance rates and a licensed agent to talk to. If you wish to quote rates from a specific insurance provider, don’t hesitate to jump over to their website and submit a quote form there.

Choosing the best insurance company should depend on more than just the bottom line cost. Any agent in Arlington should be willing to answer these questions.

• Is the coverage adequate for your vehicle?
• Has the agent ever had any license suspensions?
• Is there any savings for paying the full premium?
• Will they make sure you get an adequate claim settlement?
• What is their Better Business Bureau rating?

After getting reasonable responses to any questions you have and an acceptable price quote, you’ve probably found a company that is reliable enough to properly service your insurance policy.

How Your Wrangler Insurance Rates are Determined

Many factors are considered when you get your auto insurance bill. Most are fairly basic such as traffic violations, although some other factors are less apparent such as whether you are married or your commute time.

The following are some of the major factors used by your company to calculate your prices.

• Bump up comp and collision deductibles to lower rates – Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your Jeep. Examples of covered claims are colliding with a building, flood damage, or theft. Comp and collision deductibles tell how much you are required to spend out-of-pocket before your car insurance pays a claim. The larger the amount the insured has to pay upfront, the better rate you will receive.
• High credit history translates to low rates – A driver’s credit history is likely to be a major factor in calculating your car insurance rates. If your credit is low, you could potentially save money when insuring your Jeep Wrangler by improving your rating. People with high credit ratings tend to be more responsible than drivers with lower credit scores.
• Urban areas may pay more – Having an address in less populated areas of the country is a good thing when trying to find low car insurance rates. Less people living in that area means fewer accidents and a lower car theft rate. People who live in big cities regularly have congested traffic and higher rates of accident claims. The longer drive time means more chance of being in an accident.
• Cheap premiums for being claim-free – Insurance companies in Texas generally give cheaper rates to insureds who only file infrequent claims. If you file claims often, you can pretty much guarantee higher rates. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Deter theft and save – Buying a car with anti-theft technology or alarm system can get you a discount on your car insurance. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
• Compare rates if you combine your policies – The majority of companies give better rates to insureds that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount consumers should still compare Jeep Wrangler rates in Arlington to ensure the best deal. Consumers may save even more than the discount by buying from different companies

• Are you male or female? – Statistics show females are less aggressive when driving. That doesn’t necessarily mean that males are worse at driving than females. Women and men are in accidents at a similar rate, but the men get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving. Teenage male drivers cause the most accidents so it costs more to insure them.

  The diagram below shows the difference between Jeep Wrangler car insurance costs for male and female drivers. The information is based on no tickets, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.

• Age of drivers impacts premiums – Youthful drivers in Texas are statistically proven to be inattentive and easily distracted when driving so car insurance rates are higher. Having to add a youthful driver onto your car insurance can be very expensive. Older insureds are more cautious drivers, cause fewer claims and accidents, and tend to be get fewer driving tickets.

  The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Jeep Wrangler insurance claim data – Companies analyze historical claim data when setting rates for each model. Models that the data determines to have higher claim frequency or loss amount will have higher rates. The table below outlines the loss history for Jeep Wrangler vehicles.

  For each policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, equals 100. Percentage values below 100 mean the vehicle has better than average losses, while numbers above 100 show a trend for more claims or statistically larger claims.

  
  

  Jeep Wrangler Insurance Claim Statistics

  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

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Choosing Wrangler insurance is an important decision

Despite the fact that car insurance is not cheap in Arlington, insurance serves an important purpose.

• Just about all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Wrangler has a loan, it’s guaranteed your bank will stipulate that you carry insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank may insure your Jeep for a much higher rate and require you to reimburse them for the expensive policy.
• Insurance protects your Jeep Wrangler and your assets. It will also reimburse you for many types of medical costs incurred in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car more than cancel out the cost, particularly if you ever have a claim. Unknowingly, the average driver overpays as much as $830 a year so compare rates at every policy renewal to ensure rates are inline.

Cheaper coverage is out there

We’ve covered many ways to shop for Jeep Wrangler insurance online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the lesser-known companies.

Insureds change insurance companies for a variety of reasons including high prices, policy non-renewal, delays in paying claims or even questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

Discount Jeep Wrangler insurance in Arlington can be found both online in addition to many Arlington insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not offer internet price quotes and many times these regional carriers prefer to sell through independent agencies.

More detailed insurance information is available in these articles:

• Choosing a Car for Your Teen (State Farm)
• What Insurance is Cheapest for Low Mileage Drivers in Arlington? (FAQ)
• What is the Best Cheap Auto Insurance in Arlington, Texas? (FAQ)
• Who Has Cheap Auto Insurance for a Toyota Tacoma in Arlington? (FAQ)
• Who Has Affordable Arlington Auto Insurance Rates for a Chevrolet Silverado? (FAQ)
• Who Has Affordable Arlington Car Insurance Rates for a Nissan Altima? (FAQ)
• Who Has the Cheapest Arlington Car Insurance for High Mileage Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance for Police Officers in Arlington? (FAQ)
• Vehicle Insurance (Wikipedia)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• Insurance losses by make and model (Insurance Institute for Highway Safety)