Cheapest Insurance Quotes for a Jeep Wrangler in Pennsylvania

When discussing car insurance, the word “cheap” should not be used as a descriptor for auto insurance rates. It’s just a fact that cheap car insurance for a Jeep Wrangler is not always easy to find. Don’t let that bother you, though, because we are going to show you some ways you can still find car insurance that is more budget-friendly.

The odds of finding affordable coverage for a Jeep Wrangler in Pennsylvania is contingent on dozens of factors like how many miles you drive each year, if you have ever let your coverage lapse, and the level of deductible you choose. Drivers on average pay approximately $1,010 per year to buy insurance for a Jeep Wrangler, but that rate is a projection based on rate data for a 30-year-old single female driver with both comprehensive and collision coverage and $1,000 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 30 and possibly not even female, you might be married instead of single, or maybe you have a teen driver on your policy that needs to be considered. There is no one cookie-cutter policy that works for everyone, so your best shot at finding cheap insurance prices for your Jeep is to shop your policy around every couple of years.

Click to Compare Rates Now

The specific model of Wrangler has an effect on the coverage cost, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr model will be $252 cheaper than the insurance cost for the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr version, as demonstrated by the prices below.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in specific zip code location which can influence insurance rates considerably.

Auto insurance company ratings

Buying coverage from the right insurance company is difficult considering how many different insurance companies sell coverage in Pennsylvania. The ranking information in the next section may help you analyze which companies you want to consider when looking for cheaper rates.

These rankings are only comprised of the largest companies in America, so companies that focus mainly on Pennsylvania business are not factored into these rankings. To compare prices from the most competitive companies in Pennsylvania, simply click here.

Top 10 Large Auto Insurance Providers Overall in Pennsylvania

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

Top Companies for Jeep Wrangler Insurance in Pennsylvania

Get discount Pennsylvania insurance rates

Insurance companies that provide the cheapest insurance for a Jeep Wrangler in Pennsylvania could also offer premium discounts that could reduce prices by as much as 30% if you meet the requirements. Companies and a summarized list of policyholder discounts are included below.

• GEICO offers premium reductions for daytime running lights, military active duty, federal employee, multi-policy, multi-vehicle, driver training, and good student.
• Auto-Owners Insurance policyholders can earn discounts including company car, group or association, safe vehicle, anti-theft, and paid in full.
• American Family may include discounts for early bird, defensive driver, TimeAway discount, accident-free, air bags, and mySafetyValet.
• Esurance may offer discounts for renters, defensive driver, paid-in-full, good student, anti-theft, and multi-policy.
• Progressive discounts include multi-policy, online quote discount, continuous coverage, online signing, homeowner, and multi-vehicle.
• State Farm includes discounts for defensive driving training, passive restraint, driver’s education, multiple policy, anti-theft, and Drive Safe & Save.
• AAA has discounts for AAA membership discount, education and occupation, multi-car, good student, good driver, and multi-policy.

The illustration below illustrates the comparison of insurance premiums with and without discounts applied to the policy premium. The premiums assume a male driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, multiple policy, safe-driver, defensive driving course, claim-free, and accident-free discounts applied. When discounts are applied, the the amount saved on auto insurance for a Jeep Wrangler is 28% or $589.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3581,2575],[‘Age 30’, 1941,1411],[‘Age 40’, 1871,1359],[‘Age 50’, 1709,1243],[‘Age 60’, 1655,1199],[‘Age 70’, 2029,1463]]);var options = {title: ‘Insurance Premium Comparison 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 Pennsylvania’,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);}

How careless driving impacts auto insurance rates

In a perfect world, the best way to find the best auto insurance premiums for a Wrangler is to drive cautiously and have a clean driving record. The chart below illustrates how traffic citations and at-fault fender-benders can affect insurance costs for different age groups of insureds. The rates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3119,3799,4465],[‘Age 30’, 1643,2323,2987],[‘Age 40’, 1597,2279,2945],[‘Age 50’, 1461,2143,2809],[‘Age 60’, 1431,2111,2777],[‘Age 70’, 1663,2343,3009]]);var options = {title: ‘Impact of Tickets and Accidents on Pennsylvania Jeep Wrangler Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler in Pennsylvania’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance per year with a clean driving record and no accidents is $1,819. Get two speeding tickets and the average cost surges to $2,500, an increase of $681 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Jeep Wrangler increases to an average of $3,165. That’s an increase of $1,346, or $112 per month, just for not driving attentively!

Who has the cheapest Jeep Wrangler insurance quotes?

Thanks to technology, drivers have a lot of ways to compare cheaper auto insurance rates in Pennsylvania, but the most common are through an independent or non-exclusive agent, an exclusive agency like Auto-Owners or State Farm, or buying direct from a company like Progressive or Geico. Each way has the same basic process, but each is different in how they give price quotes.

Independent insurance agencies have contracts with many companies and can get rate quotes from each one. These agents have the ability to compare multiple rates, which may provide you with a better chance of saving money. If your agent finds a cheaper company, they simply switch companies in-house which makes it simple for you.

An exclusive agent is only able to quote your policy with one company, two of the more popular are Farmers Insurance or State Farm agents. They are unable to give you multiple price quotes, so if rates are not competitive, they cannot shop around.

The final way is buying direct, which means you skip either of the other two types of agents and instead shop direct online or over the phone from a company like Geico or Progressive. This auto insurance option may be good for people who do not need risk management and have an above average understanding of what auto insurance covers and what it doesn’t.

So which of those three methods works best to buy the cheapest insurance for a Jeep Wrangler in Pennsylvania? The majority of auto insurance shoppers assume that buying from a direct company results in the cheapest price because there isn’t an agent involved, but unfortunately, that is not always true. We could also say that using an independent agent guarantees the cheapest rates since they can provide multiple quotes, but that’s not always true, either. And occasionally, exclusive agents have really good rates that cannot be beaten by either independent or direct companies.

Due to that fact that auto insurance uses so many rating variables, the one way to get the cheapest rates is to compare, compare, and compare some more. If you want to save money, get rate quotes from all three to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.

How to find the cheapest auto insurance for a Jeep Wrangler

Here are a few money-saving solutions that can help you buy cheap coverage.

• Save money by only buying liability coverage for older vehicles
• Save money by observing traffic laws and speed limits
• Do not get into accidents
• Try to not file small claims
• Increase deductibles to save money
• Compare rate quotes frequently

That last piece of advice is very vital, as was noted in this write-up. Coverage prices in Pennsylvania change a lot, so drivers shouldn’t hesitate to change to a new company if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but it’s not a good idea if your bullheadedness ends up costing you a considerable chunk of change every month. In just a couple of minutes you could shop around to find cheaper auto insurance for a Jeep Wrangler.

Geico, Progressive, Allstate, and State Farm: Who is best?

When buying insurance for a Wrangler in Pennsylvania, the top insurers to get price quotes from are Geico, Progressive, Allstate, and State Farm. When added together, they insure 48.5% of all auto insurance written. The following table points out ratings for price and service, as well as some optional coverages shoppers can expect to find with each one.