Jeep Wrangler Insurance Rate Quotes in Cleveland

Unbelievably, most drivers have stayed with the same insurance company for over three years, and about 40% of consumers have never compared rates from other carriers. Ohio drivers could save as much as 55% each year just by shopping around, but they don’t believe the large savings they would see if they just switched companies.

Discount Jeep Wrangler insuranceThe best way to find lower priced Jeep Wrangler insurance is to do a yearly price comparison from insurance carriers in Cleveland. You can compare rates by following these steps.

Step 1: Try to comprehend what coverages are included in your policy and the things you can change to prevent expensive coverage. Many rating criteria that cause high rates such as traffic violations and an imperfect credit score can be improved by making small lifestyle or driving habit changes.

Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices for a wide range of insurance providers. View insurance agents

Step 3: Compare the new rates to your existing coverage to see if cheaper Wrangler coverage is available in Cleveland. If you find a better price, ensure coverage does not lapse between policies.

One key aspect of rate comparisons is to use the same liability limits and deductibles on every price quote and to quote with as many different companies as possible. Doing this provides a level playing field and the best price quote selection.

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

Buying insurance is not cheap, but you might find some hidden discounts that you may not know about. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit.

Drivers should understand that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free insurance policy, companies don’t profit that way. But any discount should help reduce the amount you pay for coverage.

The illustration below illustrates the comparison of Jeep Wrangler yearly insurance costs with and without discounts applied to the premium. The premiums are based on a male driver, no violations or claims, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, safe-driver, and claim-free discounts applied.

Popular insurance companies and their offered discounts are outlined below.

If you need affordable Jeep Wrangler insurance quotes, ask all the companies which discounts you may be entitled to. Some credits might not be available to policyholders everywhere. If you would like to view companies that offer the discounts shown above in Cleveland, click here.

The best way to compare car insurance rates for Jeep Wrangler insurance in Cleveland is to understand all the major auto insurance companies have advanced systems to give you rate quotes. All you need to do is give them some information like whether the vehicles are used for commuting, any included safety features, how much education you have, and if you are currently licensed. Your details is submitted instantly to many of the top insurers and you should receive rate quotes instantly.

To start a quote now, click here then complete the form.

The companies shown below are ready to provide free rate quotes in Ohio. If multiple companies are listed, it’s highly recommended you click on several of them to find the lowest car insurance rates.

Detailed insurance information

The premium table shown next covers estimates of insurance costs for Jeep Wrangler models. Learning how car insurance prices are determined is important for you to make informed decisions.

Jeep Wrangler Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $132 $196 $256 $16 $76 $676 $56
Wrangler Unlimited Sport 2WD 4-Dr $132 $196 $320 $18 $96 $762 $64
Wrangler Sport Islander Package 4WD 2-Dr $132 $250 $256 $16 $76 $730 $61
Wrangler Unlimited Sport 4WD 4-Dr $150 $196 $320 $18 $96 $780 $65
Wrangler Sahara 4WD 2-Dr $150 $250 $256 $16 $76 $748 $62
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $150 $196 $320 $18 $96 $780 $65
Wrangler Unlimited Sahara 2WD 4-Dr $150 $196 $320 $18 $96 $780 $65
Wrangler Rubicon 4WD 2-Dr $150 $250 $256 $16 $76 $748 $62
Wrangler Unlimited Sahara 4WD 4-Dr $150 $250 $320 $18 $96 $834 $70
Wrangler Unlimited Rubicon 4WD 4-Dr $170 $250 $320 $18 $96 $854 $71
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in garaging location in Cleveland which can increase or decrease premiums substantially.

Can higher deductibles save money?

When shopping for car insurance, a common question is where to set your physical damage deductibles. The comparisons below can help illustrate the cost difference between low and high policy deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Jeep Wrangler insurance premium 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 premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $124 $154 $226 $14 $68 $586 $49
Wrangler Unlimited Sport 2WD 4-Dr $124 $154 $284 $16 $84 $662 $55
Wrangler Sport Islander Package 4WD 2-Dr $124 $196 $226 $14 $68 $628 $52
Wrangler Unlimited Sport 4WD 4-Dr $142 $154 $284 $16 $84 $680 $57
Wrangler Sahara 4WD 2-Dr $142 $196 $226 $14 $68 $646 $54
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $142 $154 $284 $16 $84 $680 $57
Wrangler Unlimited Sahara 2WD 4-Dr $142 $154 $284 $16 $84 $680 $57
Wrangler Rubicon 4WD 2-Dr $142 $196 $226 $14 $68 $646 $54
Wrangler Unlimited Sahara 4WD 4-Dr $142 $196 $284 $16 $84 $722 $60
Wrangler Unlimited Rubicon 4WD 4-Dr $160 $196 $284 $16 $84 $740 $62
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in specific location information which can modify price quotes considerably.

Based on the above data, using a $250 deductible costs approximately $8 more each month or $96 for a full year averaged for all Wrangler models than requesting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 31 months between claim filings, you would most likely save money going with the higher deductible. The table below illustrates how we made this calculation.

Average monthly premium for $250 deductibles: $64
Average monthly premium for $500 deductibles (subtract): – $56
Monthly savings from raising deductible: $8
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $8
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

The information below illustrates how your deductible choice and can impact Jeep Wrangler premium costs for each age group. The data is based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Reckless driving habits raise car insurance rates

The illustration below demonstrates how citations and at-fault claims can influence Jeep Wrangler insurance rates for different age groups of insureds. The costs are based on a single male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Smart Consumers Know How to Get Insurance for Less

Many factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but other factors are more obscure like your continuous coverage and annual miles driven. Smart consumers have a good feel for some of the things that come into play when calculating the rates you pay for insurance. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in cheaper rates.

Prevent insurance lapses – Not maintaining insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage could earn you a hefty fine and possibly a revoked license. You may then be required to file a SR-22 with the Ohio department of motor vehicles.

Getting married equates to better rates – Having a spouse actually saves money when buying insurance. Marriage is viewed as being more mature than a single person and insurance companies like that married drivers tend to file fewer claims.

Performance makes a difference – The type of car or truck you need insurance for makes a huge difference in your premium level. The cheapest rates are generally reserved for the lowest performance passenger vehicles, but the cost you end up paying is determined by many additional factors.

The following chart is based on a married female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Jeep Wrangler insurance rates compared to other vehicles that have different performance risks.

Where you live is a factor – Having an address in small towns and rural areas has it’s advantages if you are looking for the lowest rates. Fewer drivers translates into fewer accidents and lower theft and vandalism rates. Urban drivers tend to have more aggressive driving styles and longer commutes to work. The longer drive time statistically corresponds to a higher accident and claim rate.

What are your deductibles? – Protection for physical damage, also called ‘full coverage’, protects your Jeep from damage. A few examples of covered claims are a broken windshield, damage from fire, and damage caused by flying debris. Physical damage deductibles tell how much you are required to spend if the claim is covered. The more of the claim the insured has to pay upfront, the lower your rates will be.

More than one policy can earn a discount – Many insurance companies will give lower prices to policyholders that buy multiple policies, otherwise known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, drivers will still want to compare Jeep Wrangler rates in Cleveland to help ensure you have the lowest rates. It’s possible to still save more without the discount by buying insurance from a different company.

Cut rates and deter theft – Owning a car with an alarm system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.

Extra coverages you don’t use – There are a ton of add-on coverages that sound like a good idea at the time but may not be useful. Coverages for personal injury protection, accidental death, and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so remove them from your policy.

Jeep Wrangler historical loss data – Insurance companies use claims history to calculate a price that offsets possible losses. Vehicles that tend to have higher losses will have higher premium rates. The next table illustrates the compiled insurance loss statistics for Jeep Wrangler vehicles.

For each type of coverage, the loss probability for all vehicles averaged together is equal to 100. Numbers shown that are under 100 imply a favorable loss record, while numbers above 100 indicate higher probability of having a loss or an increased chance of a larger loss.

Jeep Wrangler Insurance Claim Statistics
Specific Jeep 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

When to get professional advice

Keep in mind that when it comes to choosing insurance from an agent or online for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Every situation is different.

For example, these questions might help in determining whether you would benefit from professional advice.

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance agents near you

Many drivers still like to buy from a licensed agent and that is a personal choice. One of the great benefits of comparing rates online is you can get better rates and still choose a local agent. Buying insurance from small agencies is definitely important in Cleveland.

To make it easy to find an agent, after completing this quick form, the coverage information is immediately sent to agents in your area who will gladly provide quotes to get your business. You won’t even need to do any legwork since rate quotes are delivered to you. You can most likely find cheaper rates and an insurance agent to talk to. If you want to get a price quote from a particular provider, you just need to find their quoting web page and give them your coverage information.

If you’re trying to find a reliable agent, you should know the different agency structures that differ in how they can insure your vehicles. Agents can either be independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Independent agents do not write with just one company and that is an advantage because they can write policies with lots of companies and get the cheapest rates. If your premiums go up, they can switch companies in-house and you stay with the same agent. When comparing auto insurance prices, you will want to include rate quotes from a few independent agents for maximum quote selection. Many can place coverage with companies that do not advertise much who may have lower rates.

Below is a short list of independent insurance agents in Cleveland who may be able to give you rate quotes.

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Exclusive Insurance Agencies

Agents that choose to be exclusive normally can only provide a single company’s rates and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot compare rates from other companies so you might not find the best rates. They are well schooled on what they offer and that allows them to sell at a higher price point. Many people purchase coverage from exclusives mostly because of the brand legacy rather than low price.

Below is a short list of exclusive insurance agencies in Cleveland that can give you price quotes.

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Choosing an auto insurance agent shouldn’t rely on just a low price. The answers to these questions are important, too.

Insurance is not optional but you don’t have to overpay

Despite the high insurance cost for a Jeep Wrangler in Cleveland, buying insurance is mandatory in Ohio but it also protects more than you think.

First, most states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage if you don’t want to risk a ticket. 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 you took out a loan on your vehicle, most lenders will force you to buy insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Jeep at a significantly higher premium and require you to fork over for the expensive policy.

Third, insurance preserves both your car and your assets. Insurance will pay for medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of buying insurance definitely exceed the price paid, especially for larger claims. Unknowingly, the average driver is overpaying more than $865 each year so you should quote your policy with other companies at every renewal to ensure rates are competitive.

Cheap car insurance premiums are possible

People switch companies for any number of reasons including being labeled a high risk driver, delays in paying claims, questionable increases in premium and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company can be pretty painless.

Throughout this article, we presented quite a bit of information on how to lower your Jeep Wrangler insurance premium rates in Cleveland. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Cleveland auto insurance quotes. Consumers could even find that the lowest priced car insurance comes from the least-expected company.

As you shop your coverage around, do not buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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