The best way we recommend to get cheaper Jeep Wrangler insurance is to start comparing prices yearly from companies who can sell car insurance in Fresno.
- Gain an understanding of the coverage provided by your policy and the factors you can control to prevent expensive coverage. Many risk factors that drive up the price such as traffic citations, accidents, and a low credit score can be eliminated by paying attention to minor details.
- Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple sources.
- Compare the new rate quotes to the price on your current policy to determine if you can save on Wrangler insurance in Fresno. If you find a lower rate quote and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key thing to remember is to use identical deductibles and limits on every price quote and and to look at every company you can. This guarantees a fair price comparison and maximum price selection.
Astonishing but true, nearly 70% of drivers have been with the same company for well over three years, and approximately 40% of consumers have never compared quotes from other companies. Drivers in California could save approximately 35% a year, but they don’t want to spend time to compare rate quotes online.
If you’re already insured or just want cheaper rates, you can use these techniques to buy cheaper auto insurance without having to cut coverage. Buying affordable auto insurance in Fresno is actually quite easy if you know where to start. Smart buyers just have to use how to find the lowest price from many different companies.
Lower rates by qualifying for discounts
Companies offering auto insurance do not advertise every possible discount very clearly, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy Fresno car insurance online.
- Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote Fresno car insurance with select insurance companies.
- Defensive Driver – Participating in a defensive driver course may get you a small discount and also improve your driving technique.
- Membership in Organizations – Belonging to a qualifying organization could earn you a nice discount on your bill.
- Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
- Theft Deterrent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
The diagram below compares Jeep Wrangler premium costs with and without discounts applied to the premium. The data assumes a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-car, safe-driver, and multi-policy discounts applied.
A few companies who may offer most of the discounts above include:
Before purchasing a policy, check with all companies you are considering the best way to save money. Savings may not be offered everywhere.
Compare quotes for Fresno Jeep Wrangler insurance
All major car insurance companies like GEICO, State Farm and Progressive provide coverage price quotes directly from their websites. Obtaining pricing for Jeep Wrangler insurance in Fresno is possible for anyone as you just type in the amount of coverage you want into the form. After you complete the form, their rating system automatically retrieves reports for credit and driving violations and generates pricing information determined by many factors. Getting online rates for Jeep Wrangler insurance in Fresno makes it simple to compare prices and it is important to get many rate quotes in order to find the lowest car insurance rates.
To quickly compare rates now, take a look at the companies shown below. To compare your current rates, we recommend you enter your coverages exactly as they are listed on your policy. Using the same limits helps guarantee you’re receiving a price comparison based on the exact same insurance coverage.
The providers in the list below provide price quotes in California. To find the cheapest car insurance in CA, we suggest you click on several of them to get the lowest price.
Rates and statistics
The information shown next highlights detailed analysis of coverage costs for Jeep Wrangler models. Having a good understanding how insurance policy premiums are established can be useful when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Wrangler Unlimited Sport 2WD 4-Dr | $242 | $298 | $552 | $32 | $166 | $1,290 | $108 |
| Wrangler Sport Islander Package 4WD 2-Dr | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Wrangler Unlimited Sport 4WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Sahara 4WD 2-Dr | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Rubicon 4WD 2-Dr | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $278 | $382 | $552 | $32 | $166 | $1,410 | $118 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $314 | $382 | $552 | $32 | $166 | $1,446 | $121 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease premiums significantly.
Deductible analysis
One of the most common car insurance questions is how high should your deductibles be. The premium rates below approximate the price difference when you buy lower versus higher coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $332 | $442 | $442 | $26 | $132 | $1,399 | $117 |
| Wrangler Unlimited Sport 2WD 4-Dr | $332 | $442 | $552 | $32 | $166 | $1,549 | $129 |
| Wrangler Sport Islander Package 4WD 2-Dr | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Wrangler Unlimited Sport 4WD 4-Dr | $380 | $442 | $552 | $32 | $166 | $1,597 | $133 |
| Wrangler Sahara 4WD 2-Dr | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $380 | $442 | $552 | $32 | $166 | $1,597 | $133 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $380 | $442 | $552 | $32 | $166 | $1,597 | $133 |
| Wrangler Rubicon 4WD 2-Dr | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $380 | $564 | $552 | $32 | $166 | $1,719 | $143 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $430 | $564 | $552 | $32 | $166 | $1,769 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Wrangler Unlimited Sport 2WD 4-Dr | $242 | $298 | $552 | $32 | $166 | $1,290 | $108 |
| Wrangler Sport Islander Package 4WD 2-Dr | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Wrangler Unlimited Sport 4WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Sahara 4WD 2-Dr | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Rubicon 4WD 2-Dr | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $278 | $382 | $552 | $32 | $166 | $1,410 | $118 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $314 | $382 | $552 | $32 | $166 | $1,446 | $121 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in specific Fresno garaging location which can raise or lower prices considerably.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $23 more each month or $276 each year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 17 months between claims, you would save money if you decide on a higher deductible.
The diagram below illustrates how your choice of deductibles and can influence Jeep Wrangler insurance rates for different categories of driver ages. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Male drivers versus female drivers
The illustration below shows the difference between Jeep Wrangler auto insurance costs for male and female drivers. The premiums are based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.
How to Lower Your Insurance Rates
Consumers need to have an understanding of the rating factors that help calculate your policy premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower rates. Lots of things are part of the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other factors are more transparent such as your credit history or how financially stable you are.
The following are some of the factors used by your company to calculate your premiums.
- Gaps in coverage mean higher rates – Driving without insurance coverage in place is illegal and your next policy will cost more because you let your coverage lapse. In addition to paying higher premiums, failure to provide proof of insurance may result in a steep fine or even jail time.
- Raise coverage deductibles and save – Comprehensive and collision coverage deductibles represent how much money you are willing to pay if a claim is determined to be covered. Protection for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims could be rear-ending another vehicle, collision with a deer, or theft of your vehicle. The more expense you have to pay, the bigger discount you will receive.
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Younger drivers are expensive to insure – More mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets. Drivers with little experience have a tendency to be easily distracted when behind the wheel so car insurance rates are higher.
The following chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
- Higher prices for specific jobs – Occupations such as fire fighters, airline pilots, and financial analysts generally have higher premiums than the average policyholder in part from intense work requirements and long work hours. On the flip side, professions such as scientists, students and retirees have lower than average premiums.
- Eliminate incidental coverages – Insurance companies have many extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Insurance for things like coverage for rental cars, better glass coverage, and additional equipment coverage are examples of these. They may seem good initially, but your needs may have changed so remove them and pocket the money.
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Impacts performance impacts auto insurance costs – The performance level of the car you are insuring makes a huge difference in how high your rates are. Low performance passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
The data below uses these assumptions: single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It shows Jeep Wrangler policy rates compared to other models that have a range of risk factors.
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Accidents hurt – Your driving record impacts your car insurance rates tremendously. Having a single chargeable violation could increase your next policy renewal by twenty percent. Careful drivers pay lower auto insurance prices compared to bad drivers. Drivers unfortunate enough to have dangerous violations such as reckless driving or DUI may find they need to file a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
The example below illustrates how speeding tickets and fender-benders can drive up Jeep Wrangler annual premium costs for different age groups of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
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Insurance loss data for a Jeep Wrangler – Companies factor in historical loss data in order to profitably underwrite each model. Vehicles that the statistics show to have high amounts or severity of claims will have a higher premium rate.
The table below outlines the insurance loss data used by companies for Jeep Wrangler vehicles. For each type of coverage, the claim probability for all vehicles, as a total average, is set at 100. Values that are 100 or less suggest a positive loss record, while numbers above 100 indicate frequent claims or an increased probability of a larger loss.
Auto Insurance Loss Data for Jeep Wrangler Models 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 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Neighborhood Fresno auto insurance agents
Many people just prefer to sit down with an agent and that is recommended in a lot of cases Good agents will help you protect your assets and will help you if you have claims. One of the benefits of comparing rates online is you can get cheap rate quotes and still have a local agent. And supporting local agents is definitely important in Fresno.
By using this simple form, your insurance coverage information gets sent to insurance agents in Fresno who will gladly provide quotes for your business. You won’t need to leave your computer due to the fact that quote results will go straight to your inbox. In the event you want to get a price quote from a specific insurance company, just find their quoting web page and submit a quote form there.
If you are wanting to purchase auto insurance from a local agent, it can be helpful to understand the types of agencies and how they can write your policy. Auto insurance agents can be described as either exclusive or independent. Either one can properly insure your vehicles, but it’s important to know the differences because it may have an impact on which agent you choose.
Independent Agents (or Brokers)
Agents that elect to be independent are not employed by any specific company so they can insure your vehicles through many companies and find you the best rates. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to switch agencies.
When comparing rates, it’s recommended you compare quotes from a couple of independent agencies for maximum quote selection.
The following is a partial list of independent agencies in Fresno that may be able to provide price quote information.
Agri-Center Insurance Inc
2650 W Shaw Ln – Fresno, CA 93711 – (559) 233-0123 – View Map
New Horizon Insurance Services- Fresno
7543 N Ingram Ave #105 – Fresno, CA 93711 – (559) 244-6644 – View Map
California A1 Stars Insurance Solutions
1589 W Shaw Ave #13 – Fresno, CA 93711 – (559) 412-2957 – View Map
Exclusive Agents
Exclusive insurance agents have only one company to place business with such as Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to shop your coverage around so you might not find the best rates. They are very knowledgeable on their company’s products which aids in selling service over price.
Listed below is a short list of exclusive insurance agents in Fresno that can give you rate quotes.
Dick Wallace – State Farm Insurance Agent
4344 E Ashlan Ave – Fresno, CA 93726 – (559) 222-6501 – View Map
Lynn Hamilton – State Farm Insurance Agent
6716 N Cedar Ave #210 – Fresno, CA 93710 – (559) 323-9800 – View Map
Farmers Insurance: Stephen Leonard
1390 N Wishon Ave – Fresno, CA 93728 – (559) 485-0413 – View Map
Picking the best insurance agent should include more criteria than just the price. You should also get answers to these questions.
- What company holds the largest book of business for them?
- Will they give you a referral list?
- How are they compensated?
- Does the agency have a good rating with the Better Business Bureau?
- How does the company pay claims for a total loss?
- Is insurance their full-time profession?
- Are they actively involved in the community?
- If independent agents, which companies do they recommend?
Insurance protects more than just your car
Despite the fact that insurance is not cheap in Fresno, buying insurance serves a purpose in several ways.
- The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Wrangler, it’s guaranteed your bank will have a requirement that you have insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may have to buy a policy to insure your Jeep at a more expensive rate and require you to pay the higher premium.
- Insurance protects not only your Jeep Wrangler but also your financial assets. Insurance will also pay for medical expenses that are the result of an accident. Liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your insurance policy will pay to have it repaired.
The benefits of insuring your car more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $850 per year so shop around each time the policy renews to be sure current rates are still competitive.
California car insurance companies ranked
Insuring your vehicle with the highest-rated car insurance company can be rather challenging considering how many choices you have in California. The company ratings displayed below may help you analyze which insurers to look at comparing rates from.
Top 10 Fresno Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
What is YOUR best insurance company?
Some insurance companies don’t offer online rate quotes and most of the time these regional insurance providers sell through independent agents. Budget-conscious Jeep Wrangler insurance is definitely available from both online companies and from local agencies, so compare prices from both to have the best rate selection.
We just presented some good ideas how you can get a better price on Jeep Wrangler insurance in Fresno. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.
When shopping online for auto insurance, never reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible at the best cost but still have enough coverage for asset protection.
To learn more, feel free to visit these articles:
- Frontal Crash Tests (iihs.org)
- Who Has Affordable Fresno Auto Insurance Rates for Drivers Over Age 60? (FAQ)
- Who Has Affordable Auto Insurance for 19 Year Olds in Fresno? (FAQ)
- What Auto Insurance is Cheapest for a Dodge Ram in Fresno? (FAQ)
- Who Has Cheap Fresno Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- Booster Seat Ratings (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)