Jeep Wrangler insurance policy image courtesy of QuoteInspector.com
Buying cheap coverage for a Jeep Wrangler in Ohio relies on a lot of things such as the age of the Wrangler, your credit status, and your policy deductibles. Drivers in Ohio pay on average $545 per year for Wrangler insurance, but that cost is using a 30-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
There is a good probability you aren't exactly 30 years old or even a female, possibly single instead of married, or maybe your Wrangler doesn't need full coverage. Everone's needs are different, and this illustrates why the best method for finding the cheapest insurance price for your Jeep is to do a thorough rate comparison.
Your Jeep's trim level will influence the cost of insurance, so the rate you pay to insure a Wrangler Sport 4WD 2-Dr will cost $136 less than the insurance cost for the more costly Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$92||$118||$232||$14||$70||$526||$44|
|Wrangler Unlimited Sport 2WD 4-Dr||$92||$118||$290||$18||$86||$604||$50|
|Wrangler Sport Islander Package 4WD 2-Dr||$92||$150||$232||$14||$70||$558||$47|
|Wrangler Unlimited Sport 4WD 4-Dr||$106||$118||$290||$18||$86||$618||$52|
|Wrangler Sahara 4WD 2-Dr||$106||$150||$232||$14||$70||$572||$48|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$106||$118||$290||$18||$86||$618||$52|
|Wrangler Unlimited Sahara 2WD 4-Dr||$106||$118||$290||$18||$86||$618||$52|
|Wrangler Rubicon 4WD 2-Dr||$106||$150||$232||$14||$70||$572||$48|
|Wrangler Unlimited Sahara 4WD 4-Dr||$106||$150||$290||$18||$86||$650||$54|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$118||$150||$290||$18||$86||$662||$55|
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in specific Toledo garaging location which can impact coverage rates substantially.
Locating budget insurance is not always easy, and finding out which companies have the best car insurance rates for a Jeep Wrangler involves even more work.
Each insurance company has a proprietary method for determining rates in each state, so let's rank the car insurance companies with the most affordable rates in Toledo. It's important that you understand Ohio car insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. This price variability is why drivers need to compare as many rates as possible when trying to find cheap insurance rates for a Jeep Wrangler. Car insurance prices are impacted by many factors and can change substantially, so the best price the last time you shopped around may now be one of the higher cost companies.
Best Cheap Insurance Rates for Your Jeep
Utica National offers some of the cheapest car insurance rates in Toledo at around $647 annually. Erie, Frankenmuth, Allied, and USAA are also some of the most economical Toledo, OH car insurance companies.
In the above rates, if you have coverage with Frankenmuth and switched to Utica National, you could see savings of upwards of $40. Policyholders with Allied could save as much as $43 a year, and USAA insureds might lower prices by up to $72 a year.
If you would like to find cheaper car insurance rates, click here or visit several of the following companies.
Bear in mind that those estimates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a specific location for a Jeep Wrangler. So the auto insurance company that can offer you the best rate may not even be in the top 33 companies in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
Get discounts on Toledo auto insurance rates
Insurers that offer cheap quotes for a Jeep Wrangler may additionally offer policy discounts that can reduce rates by as much as 30% if you are eligible to receive them. Larger car insurance companies and their possible discounts are outlined below.
- State Farm has discounts for defensive driving training, multiple policy, good student, driver's education, anti-theft, accident-free, and Drive Safe & Save.
- Liberty Mutual offers premium reductions for new move discount, newly married, newly retired, good student, multi-car, new graduate, and multi-policy.
- American Family discounts include good driver, bundled insurance, air bags, good student, Steer into Savings, and early bird.
- Progressive offers discounts including good student, homeowner, multi-policy, multi-vehicle, continuous coverage, and online quote discount.
- Farmers Insurance has savings for business and professional, electronic funds transfer, youthful driver, pay in full, and good student.
- Auto-Owners Insurance policyholders can earn discounts including air bags, mature driver, good student, anti-theft, multi-policy, paid in full, and teen driver.
- SAFECO may include discounts for anti-theft, homeowner, anti-lock brakes, teen safe driver, accident prevention training, safe driver, and teen safety rewards.
The example below visualizes the comparison of car insurance costs with and without discounts. The information is based on a male driver, no violations or claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, multiple vehicle, defensive driving course, claim-free, passive restraint, and anti-theft discounts applied. When taking advantage of discounts, the average savings per year on car insurance for a Jeep Wrangler is 28% or $410.
The chart below illustrates how choosing a deductible can influence insurance rates when researching cheap insurance for a Jeep Wrangler. The prices are based on a single male driver, full coverage, and no other discounts are factored in.
The data above shows that a 40-year-old driver could lower their policy premium by $202 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $306 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could save as much as $646 or more by selecting a higher deductible. When choosing a higher deductible, it's a good idea to have emergency funds available to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
How to find more affordable auto insurance for a Jeep Wrangler
Below you'll find some thrifty ideas that can help drivers get more affordable coverage.
- Clean up your credit
- Drive attentively and avoid accidents
- Avoid getting tickets or violations
- Increase your comprehensive and collision deductibles
- Buy a car with high safety ratings
- Compare rates once a year for cheaper prices
The last tip in the list is notably significant, as was noted in this article. Auto insurance rates change a lot, so drivers shouldn't be resistant to buy from a different company if you can save money. Having brand loyalty is commendable, but is isn't recommended if it's costing you money that could be going to better use. Now is a great time to compare prices and find cheaper car insurance for a Jeep Wrangler in Toledo.
If you have questions and prefer to get some professional input when buying car insurance for a Jeep Wrangler, the agents listed below can most likely help you make a decision which auto insurance policy would work best for you. To locate a Toledo car insurance agency close to you, click the button at the bottom or click here to get price quotes now.
Marty Vugrinac - State Farm Insurance Agent
1022 S Reynolds Rd - Toledo, OH 43615 - (419) 389-0533
Matt Vierk - State Farm Insurance Agent
5650 W Central Ave, Ste AA - Toledo, OH 43615 - (419) 843-4001
Park and Co Insurance
5749 Park Center Ct - Toledo, OH 43615 - (419) 474-8135