Cheap Insurance for a Jeep Wrangler in New Jersey

Your ability to find cheap insurance for a Jeep Wrangler in New Jersey relies on a whole bunch of factors like your vehicle’s safety rating, if you are a frequent claim filer, and citations on your driving record. Drivers on average will pay $1,270 annually to buy insurance for a Jeep Wrangler, but that rate is an approximation rating a 50-year-old married male driver who purchased full coverage including both comprehensive and collision and $250 policy deductibles.

That rate won’t apply to everyone, because more than likely you may not be 50 years old (or even male), maybe you are single instead of married, or maybe you just want different deductibles. Not everyone needs the same coverages, so the way we recommend to find cheap car insurance rates for your Jeep is to compare as many rates as you can. Comparing quotes is easy and you will be able to compare rates from the best companies that offer coverage in New Jersey.

Find Cheaper Jeep Wrangler Insurance

The trim level of your Wrangler can impact price, so the price you pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $324 less than the price to insure the higher-end Wrangler Unlimited Rubicon 4WD 4-Dr version, as demonstrated by the prices below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in zip code location which can influence premium rates substantially.

Deciding which company quotes the lowest-priced car insurance rates for a Jeep Wrangler requires a tad more effort in order to find a policy that fits your budget. Every insurance company used slightly different criteria to establish rates, so to begin we’ll rank the lowest cost car insurance companies in New Jersey.

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21st Century may have some of the lowest car insurance rates in New Jersey at around $1,111 per year. Travelers, New Jersey Manufacturers, Palisades, and Penn National also are some of the most economical New Jersey auto insurance companies.

As shown in the rates above, if you are a policyholder with Palisades and switched to Travelers, you might achieve annual savings of about $185. Insureds with Penn National might save as much as $223 a year, and Allstate policyholders might realize rate reductions of up to $322 a year.

It’s important to note that these prices are averages across all drivers and vehicles and are not factoring in a specific rate factor for a Jeep Wrangler. So the auto insurance company that is best for you may not even be included in the company chart above. That affirms the importance of why you need to get rate quotes using your own personal information and vehicle type.

Comparison of full coverage and liability-only policies

Finding cheap insurance for a Jeep Wrangler in New Jersey is important to the majority of people, and one common way to find cheap insurance is to only buy liability coverage. The information below compares auto insurance costs with full coverage and liability only. The premiums are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.

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As an average, physical damage coverage costs $2,673 per year over and above liability only. At some point, every insured wonders if it’s worth it to buy full coverage. There is no definitive formula for eliminating physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

There are some scenarios where only buying liability is not recommended. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Progressive, Allstate, Geico, or State Farm: Which is best?

When it comes to buying insurance for a Wrangler, four good companies to start with are Progressive, Allstate, Geico, and State Farm. When combined, they have almost half of all auto insurance written. The table below rates ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.

Find cheap insurance for a Jeep Wrangler in New Jersey

The list below summarizes a few money-saving solutions that can help you locate more affordable auto insurance.

• Do not pay for comprehensive and collision coverage on older vehicles
• Drive attentively and avoid accidents
• Increase your deductibles
• Avoid getting citations and tickets
• The safer your car, the less it costs to insure
• Better credit rating means better rates
• Shop around for lower rates once a year

The last item on the list is highly necessary, as we stressed in the article above. Insurance rates fluctuate considerably, so drivers shouldn’t be reluctant to buy from a different company if a lower-cost policy is available.

Being loyal to a particular company is commendable, but it’s not a great idea if it’s costing you thousands of dollars over the life of your policy. If you have a few minutes, compare prices and find cheaper auto insurance for a Jeep Wrangler.

Cheapest Jeep Wrangler insurance quotes

You have a lot of ways to quote car insurance rates in New Jersey, but the most common are from an independent insurance agent, an exlusive agent like Liberty Mutual or State Farm, or buying direct from a company like Progressive or Geico.

They all follow the same basic process, but buyers need to know the differences in how they work.

Independent agents can place your business with multiple companies and can quote your policy with each one. They are not limited to a single company and can provide you with more rates, which may provide you with a better comparison. If they find a cheaper price, they simply switch companies in-house without having to get a different agent.

Exclusive agents are only able to place business with a single insurance company, for example Allstate or State Farm agents. They generally cannot compare other company’s rates, so always compare other rates.

If you want to buy car insurance direct, you bypass a local agent and instead buy from a direct company like Geico or Progressive. Shopping for car insurance direct can be good for consumers who do not have a complex risk profile and know more than average about what is covered and what is not.

So what is the best way to find cheap insurance for a Jeep Wrangler in New Jersey? It would be premature to say buying direct saves the most money because there isn’t an agent involved, but in reality, that is not the case. A valid argument could also be made that buying from an independent agent is the best way to save because they can shop around, but that assumption is also not accurate. In some circumstances, the exclusive agents may have prices that other companies cannot beat.

Due to the fact that car insurance rates vary so much, really the only way to get the lowest rate is to get quotes and compare. Experts recommend getting price quotes all three ways in order to have the best selection to choose from. For a list of companies offering online discounts in New Jersey, click here to view.