Best Ways to Save on Fort Worth Jeep Wrangler Insurance

Unimaginable but true, nearly 70% of customers have bought car insurance from the same company for four years or more, and practically 40% of car insurance customers have never compared car insurance rates at all. With the average premium in America being $1,847, drivers could save an average of about $859 each year by just comparing rate quotes, but most just don’t grasp the big savings they would realize if they bought a different policy.

If your goal is the lowest price, then the best way to quote cheaper Jeep Wrangler insurance in Fort Worth is to start comparing prices yearly from different companies who provide car insurance in Texas. You can compare rates by following these guidelines.

1. Try to understand car insurance and the things you can change to lower rates. Many things that are responsible for high rates such as traffic citations and an imperfect credit rating can be rectified by making minor changes to your lifestyle.
2. Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while independent agents can provide price quotes from multiple companies.
3. Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

A crucial key to this process is to compare the same level of coverage on every quote and and to compare as many companies as feasibly possible. Doing this enables a level playing field and a thorough price selection.

Don’t overlook these Jeep Wrangler insurance discounts

Not many people think insurance is cheap, but there could be significant discounts to reduce the price significantly. Many of these discounts will be applied automatically when you quote, but some discounts are required to be asked about before being credited.

• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up could cut 10% or more on medical payment and PIP coverage.
• Early Switch Discount – Some larger companies provide a discount for switching policies early. This can save 10% or more.
• Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as Allstate, Progressive, and GEICO allow you one accident without the usual rate increase if you have no claims for a set time period.
• Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more on Wrangler insurance in Fort Worth.
• Safety Course Discount – Passing a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.

As a sidenote, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky.

The diagram below illustrates the difference between Jeep Wrangler insurance prices with and without policy discounts. The prices are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-car, multi-policy, and marriage discounts applied.

A few popular companies and a selection of discounts are:

• American Family has discounts for TimeAway discount, accident-free, multi-vehicle, mySafetyValet, and Steer into Savings.
• Farm Bureau may have discounts that include renewal discount, multi-vehicle, 55 and retired, youthful driver, multi-policy, driver training, and good student.
• State Farm offers discounts for driver’s education, Drive Safe & Save, accident-free, good student, and safe vehicle.
• Travelers offers premium reductions for multi-car, continuous insurance, IntelliDrive, home ownership, multi-policy, driver training, and new car.
• The Hartford has savings for vehicle fuel type, driver training, bundle, defensive driver, and good student.
• GEICO may include discounts for air bags, seat belt use, multi-vehicle, multi-policy, good student, emergency military deployment, and federal employee.
• Progressive discounts include online signing, continuous coverage, multi-policy, multi-vehicle, and homeowner.

Before buying, ask every company which credits you are entitled to. Savings may not apply in Fort Worth. To see a list of car insurance companies that offer multiple discounts in Texas, follow this link.

Getting more affordable Jeep Wrangler auto insurance pricing can be surprisingly simple. The only thing you need to do is spend a few minutes to get quotes from some recommended companies.

Doing online rates comparisons is so easy that it makes it obsolete to spend your day driving to all the different Fort Worth insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you prefer the professional assistance of a licensed agent. You can, however, compare online quotes but have a local agent actually write the policy.

The companies shown below provide quotes in Texas. If multiple providers are shown, we recommend you click on several of them to find the lowest car insurance rates.

Premium rates and analysis

The premium table displayed next covers estimates of rate quotes for Jeep Wrangler models. Understanding more about how insurance policy premiums are determined can be of help when making smart choices when purchasing an auto insurance policy.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Fort Worth which can lower or raise prices substantially.

Physical damage deductible comparison

When shopping for car insurance, a common question is where to set your physical damage deductibles. The figures shown below can help you understand the cost difference between low and high comp and collision deductibles. The first rate estimation uses a $100 deductible 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 safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in garaging location in Fort Worth which can lower or raise coverage prices significantly.

Using the data above, we can ascertain that using a $100 deductible costs approximately $31 more each month or $372 every year averaged for all Wrangler models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 29 months between claims, you would most likely save money if you choose the higher deductible.

The chart below illustrates how your deductible choice and can impact Jeep Wrangler annual premium costs for each different age category. The data is based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Violations and accidents raise rates

The diagram below demonstrates how citations and at-fault accidents impact Jeep Wrangler yearly insurance costs for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Premiums by gender and age

The diagram below compares Jeep Wrangler insurance rates for male and female drivers. The data is based on no accidents or driving violations, full coverage, $250 deductibles, single status, and no discounts are factored in.

Jeep Wrangler liability rates compared to full coverage

The diagram below illustrates the comparison of Jeep Wrangler insurance prices with liability coverage only compared to full coverage. The premiums assume no accidents or driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule for dropping physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s say your Jeep Wrangler claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after paying your policy deductible. If you are paying over $400 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where only buying liability is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Get Cheaper Auto Insurance with These Tips

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that aid in calculating the rates you pay for auto insurance. If you have a feel for what determines premiums, this empowers consumers to make smart changes that may reward you with better auto insurance rates.

The list below includes some of the most common factors companies use to determine your prices.

Premiums are lower the older you get – More mature drivers are proven to be safer behind the wheel, statistically cause fewer accidents, and usually have better credit. Teenage drivers are statistically shown to be less responsible behind the wheel so auto insurance rates are higher.

The next chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

Don’t skimp on liability – A critical coverage on your policy, liability insurance will afford coverage in the event that you are found liable for an accident. Your policy’s liability insurance provides legal defense up to the limits shown on your policy. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Poor credit can mean higher rates – Having a bad credit rating is likely to be a major factor in calculating your auto insurance rates. So if your credit is not that good, you could potentially save money when insuring your Jeep Wrangler by taking the time to improve your credit score. People with very good credit scores tend to be more responsible than drivers with poor credit scores.

Save by driving vehicles with better crash test results – Cars with high safety ratings are cheaper to insure. Highly rated vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies which can result in lower premiums. If your Jeep Wrangler earned at least four stars on Safercar.gov it may be receiving lower rates.

Infrequent drivers can save – The more miles you rack up on your Jeep in a year the higher your rate. Most insurance companies calculate rates determined by how the vehicle is used. Cars that sit idle most of the time cost less to insure than vehicles that are driven to work every day. An improperly rated Wrangler can cost quite a bit. It’s always a good idea to double check that your declarations sheet shows the proper vehicle usage, because it can save money.

Increase physical damage deductibles to save – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Jeep from damage. Some examples of covered claims would be colliding with a building, flood damage, and rolling your vehicle. The deductibles you choose define how much you are required to spend if you file a covered claim. The larger the amount you pay before a claim is paid (deductible), the less your auto insurance will be.

Insurance loss probability for a Jeep Wrangler – Insurers use data from past claims when determining insurance rates. Models that tend to have higher prevalence or dollar amount of losses will have higher premium rates.

The table below demonstrates the insurance loss data used by companies for Jeep Wrangler vehicles. For each policy coverage, the statistical loss for all vehicles, as a total average, is set at 100. Values below 100 suggest losses that are better than average, while values that are 100 or greater point to more claims or tendency to have larger claims.

When in doubt talk to an agent

When buying the best insurance coverage for your vehicles, there really is no one size fits all plan. Your financial needs are unique.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

• What is covered by UM/UIM coverage?
• Am I covered if my car is in a flood?
• I have a DUI can I still get coverage?
• Do I need added coverage for expensive stereo equipment?
• Do I need special coverage while pulling a rented trailer?
• Is my camper covered for physical damage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Local Fort Worth insurance agents

Many people would prefer to talk to a local agent and doing that can be a smart decision Professional insurance agents are highly skilled in risk management and help in the event of a claim. One of the best bonuses of comparing rates online is that you can find cheap car insurance rates and also buy local.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is instantly submitted to insurance agents in Fort Worth who want to provide quotes to get your business. It’s much easier because you don’t need to drive around as quotes are delivered to you. If you have a need to get a price quote from a specific insurance company, don’t hesitate to visit that company’s website and fill out their quote form.

Finding the right insurance company needs to be determined by more than just the price. Some important questions to ask are:

• Can you get a list of referrals?
• How many years have they been established?
• Is assistance available after office hours?
• What is the agency’s Better Business Bureau rating?
• Which family members are covered?
• Are there any discounts that you might be missing?

If you need to find a good insurance agency, it’s helpful to know the different agency structures and how they can write your policy. Car insurance policy providers may be either independent (non-exclusive) or exclusive. Both write policy coverage, but it’s a good idea to understand the subtle differences because it can factor into buying decisions.

Exclusive Insurance Agents

Agents in the exclusive channel can only provide one company’s prices like State Farm, Allstate, and Farm Bureau. They generally cannot place coverage with different providers so you might not find the best rates. Exclusive agents are very knowledgeable on the products they sell and that enables them to sell even at higher rates.

Below is a short list of exclusive insurance agents in Fort Worth who may provide you with rate quotes.

More insurance agents

Independent Agencies or Brokers

These type of agents can sell policies from many different companies so they can write business with lots of companies and get you the best rates possible. If your premiums go up, the business is moved internally which is easy for the insured.

When comparing rate quotes, we highly recommend that you get several quotes from several independent insurance agents for the best price selection.

Listed below are independent agents in Fort Worth willing to provide comparison quotes.

More insurance agents

If you feel you receive positive responses to all your questions and a good coverage price, you may have just found an insurance agent that is professional and can adequately provide car insurance. But remember, you can cancel a policy at any time so never feel you’re contractually obligated to a specific agent for the full policy term.

Insurance is an important decision

Despite the high cost, insuring your vehicle may be required for several reasons.

• Just about all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability in order to get the vehicle licensed. 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 you took out a loan on your Wrangler, almost every bank will stipulate that you have insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Jeep for a much higher rate and make you pay for it.
• Insurance protects both your car and your assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of insuring your Wrangler more than cancel out the cost, especially when you need to use it. According to a 2015 survey, the average American driver is currently overpaying as much as $750 every year so it’s recommended you shop around each time the policy renews to make sure the price is not too high.

Smart consumers save more

Discount Jeep Wrangler insurance in Fort Worth can be found on the web and also from your neighborhood Fort Worth agents, and you should compare rates from both to have the best rate selection. A few companies don’t offer the ability to get quotes online and these regional insurance providers only sell through independent agencies.

Throughout this article, we presented many ways to lower your Jeep Wrangler insurance car insurance rates in Fort Worth. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from the smaller companies.

Insureds who switch companies do it for many reasons like delays in paying claims, an unsatisfactory settlement offer, extreme rates for teen drivers or policy cancellation. Whatever your reason, finding a new insurance company is actually quite simple.

Additional detailed information can be read in these articles:

• Steps to Take After an Auto Accident (Insurance Information Institute)
• Who Has the Cheapest Fort Worth Auto Insurance Quotes for a School Permit? (FAQ)
• Liability Insurance Coverage (Nationwide)
• Vehicle Insurance in the U.S. (Wikipedia)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Booster Seat Ratings (iihs.org)