Cheap Insurance for a Jeep Wrangler in Montana

The odds of finding the best cheap auto insurance for a Jeep Wrangler in Montana depends on things like how old the vehicle is, your address, and your choice of deductibles. Montana drivers pay on average $1,790 per year to insure a Jeep Wrangler, but that policy rate is a valuation rating a 50-year-old single male driver who needs comprehensive and collision coverage and $250 physical damage deductibles.

Chances are that you aren’t exactly 50 years old or even a male, you might be married instead of single, or maybe you want different physical damage deductibles. Auto insurance is not the same for everyone, so the most reliable method for finding the most affordable coverage for your Jeep is to make a habit of comparing prices at least once a year.

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The trim level of your Wrangler can impact the annual cost of coverage, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $460 less than the price to insure the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr model, as demonstrated by the prices below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Montana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rates do not factor in Montana location which can influence coverage prices considerably.

Shopping around for low-cost auto insurance is tough enough, and finding out which company quotes the lowest-priced auto insurance rates for a Jeep Wrangler will take even more shopping around. Every insurance provider has their own guidelines for establishing rates, so we’ll take a look at the most affordable auto insurance companies in Montana.

Lowest Insurance Price Quotes for Your Jeep

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Safeco offers some of the most affordable car insurance rates in Montana at around $837 annually. Progressive, USAA, State Farm, and MetLife also are some of the cheapest Montana insurance companies.

In the above rates, if you buy coverage from MetLife and switched to Progressive, you might achieve yearly savings of roughly $244. Insureds with National Farmers Union could save as much as $298 a year, and Allied insureds might cut rates by $406 a year.

Remember that these rates are averaged for all types of insureds and vehicles and and are not figured with a specific rate factor for a Jeep Wrangler. So the company that has the cheapest price for you may not even be in the above list. That’s why you need to get rate quotes using your own driver and vehicle profiles.

Get discounts on Montana auto insurance

Car insurance companies that offer cheap insurance for a Jeep Wrangler in Montana could also offer rate discounts that can lower rates by 25% or more if you meet specific eligibility requirements. Popular auto insurance companies and some of their more popular discounts include:

The information below shows the comparison of insurance costs with and without discounts applied to the rates. The premiums assume a male driver, no accidents, no driving violations, Montana state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, homeowner, marriage, accident-free, and safe-driver discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Jeep Wrangler is 42% or $972.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 6861,4925],[‘Age 30’, 3623,2623],[‘Age 40’, 3535,2555],[‘Age 50’, 3223,2327],[‘Age 60’, 3117,2251],[‘Age 70’, 3829,2751]]);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’,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 example below shows how choosing a deductible can raise or lower annual premium costs when trying to find cheap insurance for a Jeep Wrangler. The rates are based on a single male driver, comp and collision included, and no other discounts are factored in.

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As shown above, a 50-year-old driver could save $400 a year by changing from a $100 deductible to a $500 deductible, or save $608 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut as much as $1,292 annually just by choosing higher deductibles when buying full coverage. If you make the decision to raise deductibles, it will be important to have emergency funds available to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Find cheap insurance for a Jeep Wrangler in Montana

The list below details some of the better money-saving suggestions that can help drivers find more affordable car insurance.

• Get cheaper liability coverage by choosing a safer vehicle
• Improve your credit rating
• Avoid accidents and claims
• Do not get traffic citations
• Raise deductibles
• Compare quotes from other companies often

The last idea is especially necessary, as was pointed out in the article above. Coverage rates can change significantly in a year, so drivers shouldn’t be resistant to switch companies if you find a better deal. Having a favorite company is fine, but it’s not a good idea if that devotedness results in you overpaying a considerable chunk of change every month. In just a few minutes you could compare prices and find cheaper auto insurance for a Jeep Wrangler.