Car Insurance Rate Quotes for a Jeep Wrangler in Toledo

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Insurance quote for Jeep Wrangler in ToledoLocating low-cost insurance for a Jeep Wrangler in Ohio can normally be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to buy car insurance so you're going to learn the absolute fastest way to compare rates for a Jeep and obtain the best price possible from both online companies and Toledo agents.

Earn discounts to get lower-cost Toledo auto insurance quotes

Auto insurance is not cheap nor is it fun to buy but there may be some discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time of quoting, but occasionally some discounts must be manually applied before they will apply. If you're not getting every credit you deserve, you are not getting the best rate possible.

  • Payment Discounts - If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Home Ownership Discount - Just being a homeowner can save a few bucks because maintaining a house means you have a higher level of financial diligence.
  • Clubs and Organizations - Having an affiliation with a qualifying organization could qualify you for a break on auto insurance.
  • Online Discount - Certain companies provide a small discount simply for signing online.
  • Fewer Miles Equal More Savings - Keeping the miles down on your Jeep could qualify for cheaper premium rates.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

The chart below compares Jeep Wrangler insurance costs with and without discounts applied to the rates. The data is based on a male driver, no accidents or driving violations, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, multi-car, safe-driver, and homeowner discounts applied.

To choose companies who offer cheap Jeep Wrangler insurance quotes in Toledo in Toledo, follow this link.

The auto insurance companies shown below are ready to provide price comparisons in Ohio. If you wish to find the cheapest car insurance in Toledo, it's highly recommended you click on several of them to get a more complete price comparison.

Jeep Wrangler insurance rate analysis

The data table displayed next showcases different insurance premium costs for Jeep Wrangler models. Being more informed about how premiums are formulated is important for drivers to make decisions when shopping around.

Jeep Wrangler Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $90 $136 $296 $18 $88 $628 $52
Wrangler Unlimited Sport 2WD 4-Dr $90 $136 $368 $22 $110 $726 $61
Wrangler Sport Islander Package 4WD 2-Dr $90 $172 $296 $18 $88 $664 $55
Wrangler Unlimited Sport 4WD 4-Dr $104 $136 $368 $22 $110 $740 $62
Wrangler Sahara 4WD 2-Dr $104 $172 $296 $18 $88 $678 $57
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $104 $136 $368 $22 $110 $740 $62
Wrangler Unlimited Sahara 2WD 4-Dr $104 $136 $368 $22 $110 $740 $62
Wrangler Rubicon 4WD 2-Dr $104 $172 $296 $18 $88 $678 $57
Wrangler Unlimited Sahara 4WD 4-Dr $104 $172 $368 $22 $110 $776 $65
Wrangler Unlimited Rubicon 4WD 4-Dr $118 $172 $368 $22 $110 $790 $66
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Cost estimates assume single female driver age 40, 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. Estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease premium rates substantially.

Physical damage deductibles: Should you raise them?

When shopping for insurance, a common question is what deductibles to buy. The comparison tables below can help you understand how much more you'll pay when you select higher and lower insurance deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Jeep Wrangler insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $152 $190 $226 $14 $68 $675 $56
Wrangler Unlimited Sport 2WD 4-Dr $152 $190 $284 $16 $84 $751 $63
Wrangler Sport Islander Package 4WD 2-Dr $152 $242 $226 $14 $68 $727 $61
Wrangler Unlimited Sport 4WD 4-Dr $176 $190 $284 $16 $84 $775 $65
Wrangler Sahara 4WD 2-Dr $176 $242 $226 $14 $68 $751 $63
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $176 $190 $284 $16 $84 $775 $65
Wrangler Unlimited Sahara 2WD 4-Dr $176 $190 $284 $16 $84 $775 $65
Wrangler Rubicon 4WD 2-Dr $176 $242 $226 $14 $68 $751 $63
Wrangler Unlimited Sahara 4WD 4-Dr $176 $242 $284 $16 $84 $827 $69
Wrangler Unlimited Rubicon 4WD 4-Dr $198 $242 $284 $16 $84 $849 $71
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Jeep Wrangler insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $94 $120 $226 $14 $68 $522 $44
Wrangler Unlimited Sport 2WD 4-Dr $94 $120 $284 $16 $84 $598 $50
Wrangler Sport Islander Package 4WD 2-Dr $94 $152 $226 $14 $68 $554 $46
Wrangler Unlimited Sport 4WD 4-Dr $108 $120 $284 $16 $84 $612 $51
Wrangler Sahara 4WD 2-Dr $108 $152 $226 $14 $68 $568 $47
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $108 $120 $284 $16 $84 $612 $51
Wrangler Unlimited Sahara 2WD 4-Dr $108 $120 $284 $16 $84 $612 $51
Wrangler Rubicon 4WD 2-Dr $108 $152 $226 $14 $68 $568 $47
Wrangler Unlimited Sahara 4WD 4-Dr $108 $152 $284 $16 $84 $644 $54
Wrangler Unlimited Rubicon 4WD 4-Dr $122 $152 $284 $16 $84 $658 $55
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease rates significantly.

We can estimate from the data above that using a $250 deductible costs approximately $14 more each month or $168 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 54 months between claim filings, you would most likely save money going with the higher deductible.

Careless drivers pay higher rates

The chart below highlights how traffic violations and at-fault accidents increase Jeep Wrangler yearly insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Men versus women drivers and insurance cost

The diagram below visualizes the comparison of Jeep Wrangler car insurance costs for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single marital status, and no other discounts are factored in.

Find Jeep Wrangler Insurance for Less

Part of the car insurance buying process is learning a few of the rating criteria that come into play when calculating your car insurance rates. If you understand what determines base rates, this empowers consumers to make smart changes that may reward you with cheaper rates. Many things are part of the equation when pricing auto insurance. Some factors are common sense like an MVR report, although some other factors are less obvious like your continuous coverage or how financially stable you are.

What type of car do you drive? - The performance level of the vehicle you own makes a substantial difference in your rates. Economy passenger vehicles receive the most favorable rates, but the cost you end up paying is determined by many additional factors.

The following chart uses these variables: married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It shows Jeep Wrangler insurance rates compared to other models of vehicles that have a range of risk factors.

Cars with good safety ratings cost less to insure - Vehicles that have high safety ratings cost less to insure. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means lower claim amounts which can mean better rates for you.

Car insurance policy lapses increase premiums - Not having insurance is against the law and any future policy may cost more because you let your insurance expire. Not only will you pay more, being ticketed for driving with no insurance may earn you a revoked license or a big fine. You may need to file a SR-22 with the Ohio motor vehicle department.

Lower rates come with age - Older people have been proven to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets. Teen drivers are proven to get distracted easily in a vehicle and because of this, their car insurance rates are much higher.

The following chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Good credit equals lower premiums - Having a good credit rating factor in your rate calculation. Insureds with high credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit. If your credit rating could use some work, you could pay less to insure your Jeep Wrangler if you clean up your credit.

Jeep Wrangler insurance loss probability - Companies use data from past claims when determining insurance rates. Vehicles that are shown to have increased losses will have higher rates for specific coverages. The next table illustrates the insurance loss data used by companies for Jeep Wrangler vehicles.

For each coverage type, the claim amount for all vehicles as a whole is equal to 100. Numbers that are below 100 represent a good loss history, while values over 100 show a trend for more claims or tendency to have larger claims.

Jeep Wrangler Insurance Loss Statistics
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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Neighborhood agents and car insurance

A small number of people just prefer to sit down and talk to an agent and we recommend doing that Professional insurance agents can make sure you are properly covered and help you file claims. A nice benefit of getting free rate quotes online is that you can find the lowest rates and still have a local agent. Buying insurance from local agents is definitely important in Toledo.

Toledo insurance agentsUpon completion of this form (opens in new window), the coverage information is submitted to agents in your area that give free quotes and help you find cheaper coverage. You won't need to do any legwork because quoted prices will be sent directly to your email. If you need to quote rates from a specific insurance company, feel free to navigate to their website and submit a quote form there.

Below is a list of insurers in Toledo that may be willing to give price quote information for Jeep Wrangler insurance in Toledo.

View more Toledo agents

Deciding on a insurance company requires you to look at more than just a cheap quote. Some important questions to ask are:

  • Does the agency have a current Errors and Omissions policy?
  • Do they prorate repair cost based on vehicle mileage?
  • Can they give you a list of client referrals?
  • How experienced are they in personal risk management?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are they full-time agents?
  • What are their preferred companies if they are an independent agency?
  • Will you work with the agent or an assistant?

If you feel you receive answers to your satisfaction to all your questions and locked in a price quote, it's a good possibility that you have found an provider that is reliable enough to insure your vehicles. But keep in mind you can always cancel a policy whenever you wish so never assume that you are permanently stuck with a specific company with no way to switch.

Insurance does more than just protect your car

Despite the high cost, maintaining insurance is most likely required but also gives you several important benefits.

First, the majority of states have compulsory liability insurance requirements which means you are required to carry specific limits of liability coverage in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Wrangler has a loan, it's most likely the lender will require that you buy full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may insure your Jeep at an extremely high rate and require you to reimburse them much more than you were paying before.

Third, insurance protects both your vehicle and your personal assets. It will also reimburse you for all forms of medical expenses incurred in an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of having insurance outweigh the cost, especially when you need to use it. According to a 2015 survey, the average American driver is wasting up to $865 each year so we recommend shopping around at every policy renewal to save money.

Final considerations

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to buy enough coverage at an affordable rate.

Some companies do not provide internet price quotes and usually these smaller providers only sell through local independent agencies. Cost effective Jeep Wrangler insurance can be bought on the web as well as from independent agents in Toledo, so you should compare both to have the best rate selection.

Consumers change insurance companies for a variety of reasons including policy cancellation, poor customer service, denial of a claim and being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.

How to buy low-cost Jeep Wrangler insurance in Toledo

If saving the most money is your goal, then the best way to find cheaper Jeep Wrangler insurance in Toledo is to compare quotes annually from companies in Ohio. Drivers can shop around by completing these steps.

  • Step 1: Get an understanding of coverages and the things you can control to keep rates low. Many rating factors that result in higher prices like speeding and poor credit history can be eliminated by making small lifestyle or driving habit changes.
  • Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while agents who are independent can quote rates from multiple sources.
  • Step 3: Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate in Toledo. If you find better rates and change companies, make sure there is no coverage gap between policies.
  • Step 4: Tell your current agent or company of your decision to cancel the current policy. Submit payment and a signed application for your new coverage. Once the paperwork is finalized, keep your new proof of insurance paperwork along with your vehicle registration.

An important part of this process is that you'll want to compare identical coverages on each price quote and and to get prices from as many companies as possible. This enables a level playing field and the best price selection.

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