Cheap Insurance for a Jeep Wrangler in New York

The chances of buying affordable auto insurance for a Jeep Wrangler in New York depends on a lot of rating criteria such as how many years you have been driving, where your vehicle is garaged, and deductibles for comprehensive and collision coverage. Drivers in New York will pay on average $920 annually for Wrangler insurance, but that rate is an estimation that uses rate data for a 40-year-old single female driver who needs full coverage and $250 policy deductibles.

It’s more than likely that you are not a 40-year-old female, married instead of single, or maybe your driving record isn’t squeaky clean. This illustrates why the best method for finding cheap insurance prices for your Jeep is to make a habit of comparing rates at every renewal. Comparing quotes is easy and you will receive price comparisons from the cheapest companies that insure Jeep vehicles in New York.

Insure Your Jeep for Less

Your vehicle’s trim level tends to impact the annual cost of coverage, so the price to insure a Wrangler Sport 4WD 2-Dr trim level will be $236 less than the price to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the prices below.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price estimates do not factor in specific location which can revise rates significantly.

Finding decent, low-priced car insurance is challenging, and deciding which company quotes the cheapest car insurance rates for a Jeep Wrangler takes more quotes for comparison.

Each auto insurance company has a unique approach for establishing rates, so first we will examine the lowest cost car insurance companies in New York.

Find the Cheapest Car Insurance for Your Jeep

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USAA has some of the lowest car insurance rates in New York at around $1,163 a year. Erie, Utica National, Allstate, and Progressive also are some of the lowest-priced New York car insurance companies.

As the rates illustrate above, if you have coverage with Allstate and switched to Erie, you could earn yearly savings of approxmiately $336. New York drivers with Progressive could save as much as $353 a year, and Travelers insureds might lower prices by up to $354 a year.

Bear in mind that those premiums are averages for all insureds and vehicles and and are not calculated with a specific rate value for a Jeep Wrangler. So the car insurance company that is best for you may not even be included in the rate chart shown above. That underscores the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.

Discounts on cheap insurance for a Jeep Wrangler in New York

Insurance providers that offer coverage for a Jeep Wrangler may also provide special discounts that can reduce rates by as much as 35% if you meet specific criteria. Popular car insurance companies and some of the discounts are shown below.

• Progressive may offer discounts for multi-policy, homeowner, continuous coverage, online signing, and good student.
• GEICO offers discounts for anti-theft, defensive driver, emergency military deployment, air bags, membership and employees, federal employee, and good student.
• State Farm includes discounts for driver’s education, multiple autos, defensive driving training, Drive Safe & Save, student away at school, good driver, and safe vehicle.
• Esurance has savings for emergency road assistance, multi-policy, anti-lock brakes, multi-car, paid-in-full, good student, and Switch & Save.
• The Hartford may have discounts that include bundle, vehicle fuel type, anti-theft, air bag, good student, driver training, and defensive driver.

The example below compares auto insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving citations, New York state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, safe-driver, marriage, anti-theft, multiple policy, and homeowner discounts applied. When drivers take advantage of discounts, the the amount saved on car insurance for a Jeep Wrangler is 28% or $378.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2311,1661],[‘Age 30’, 1225,889],[‘Age 40’, 1191,863],[‘Age 50’, 1091,793],[‘Age 60’, 1059,767],[‘Age 70’, 1309,943]]);var options = {title: ‘Comparison of Insurance Rates for a Jeep Wrangler’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler in New York’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The diagram below demonstrates how choosing different deductibles can affect insurance costs when quoting cheap insurance for a Jeep Wrangler. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2197,2039,1857,1683],[‘Age 30’, 1163,1075,971,873],[‘Age 40’, 1123,1043,949,857],[‘Age 50’, 1031,957,875,791],[‘Age 60’, 1009,939,857,775],[‘Age 70’, 1165,1091,1003,921]]);var options = {title: ‘Impact of Deductibles on Jeep Wrangler Insurance Rates in New York’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 50-year-old driver could save $156 a year by switching from a $100 deductible up to a $500 deductible, or save $240 by using a $1,000 deductible. Young drivers, such as the Age 20 example, could possibly save $514 annually by selecting a higher deductible. When increasing deductibles, it’s a good idea to have enough spare savings to satisfy the extra out-of-pocket expense that comes with higher deductibles.

How to find budget-friendly car insurance for a Jeep Wrangler

The list below summarizes many penny-pinching ideas that can help New York drivers get the cheapest car insurance.

• Bundle home or renters insurance to earn a discount on car insurance
• Accident-free drivers may qualify for discounts
• Maintaining good credit helps earn cheaper rates
• Drop full coverage on older vehicles
• Buy vehicles with good safety ratings
• Keep rates low by shopping around frequently

That last tip is extremely important, as we pointed out in this article. Prices charged by companies in New York vary greatly, so drivers shouldn’t hesitate to switch companies if you find a cheaper price. We understand brand loyalty, but we do not recommend it if that dedication is costing lots of money. Take a few minutes and compare rates to find cheaper auto insurance for a Jeep Wrangler.

State Farm vs Geico vs Progressive vs Allstate

When shopping for insurance for a Wrangler in New York, the top insurers to get price quotes from are State Farm, Geico, Progressive, and Allstate. When added together, they insure over 45% of all auto insurance written. All offer your standard physical damage and liability coverages, but each one has slightly different options that shoppers can select from. The following table illustrates some of the different options and features you can buy with each company.