Who Has Cheap Insurance Quotes for a Jeep Wrangler in Louisiana?

Since we’re writing about auto insurance, the word affordable shouldn’t be used anywhere in the article to describe car insurance rates. Please forgive the oxymoron, but cheap car insurance for a Jeep Wrangler can seem impossible to find. Don’t let that bother you, though, because we are going to show you some ways you can still get insurance that doesn’t cost an arm and a leg.

Buying cheaper auto insurance for a Jeep Wrangler in Louisiana relies on many different factors like annual vehicle mileage, your address, and citations on your driving record. Drivers pay on average $1,110 annually for Wrangler insurance, but that figure is an approximation based on rates for a 50-year-old married male who requires full physical damage coverage and $500 policy deductibles.

It’s more than likely you’re not a 50-year-old male, possibly single instead of married, or maybe you have a violation on your driving record. What appears to be a small change in rating variables can result in a massive change in quoted rates.

There is no one cookie-cutter policy that works for everyone, so the way we recommend to find the cheapest coverage for your Jeep is to start the habit of comparing rates at least once a year. To cut your rates now, get a free quote and you can get prices from top-rated companies that sell coverage in Louisiana.

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The specific trim level has an effect on the cost of coverage, so the price you pay to insure a Wrangler Sport 4WD 2-Dr will be $282 less than the cost to insure the fancier Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown in the table below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific location information which can influence insurance rates considerably.

Best car insurance company in Louisiana

Choosing the highest-rated car insurance company can be difficult considering how many companies provide coverage in Louisiana. The company information listed below may help you select which car insurance companies to look at comparing rates from. These rankings only include the largest companies in America, so companies that may only write in Louisiana will not be included in the list.

How accidents and tickets impact rates

The recommended way to snag cheap car insurance premiums for a Wrangler is to pay attention while driving and avoid accidents and traffic citations. The illustration below illustrates how violations and at-fault collisions can impact insurance prices for each age group. The prices are based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

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The data above shows the average cost of car insurance in Louisiana per year with no accidents and a clean driving record is $2,487. Add in one speeding ticket and the average cost increases to $2,820, an increase of $332 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Jeep Wrangler goes up to an average of $5,772. That’s an increase of $3,285, or $274 per month, just for not driving carefully!

How to get cheap insurance for a Jeep Wrangler in Louisiana

It is possible to find better rates, and here are a few money-saving ideas that can help Louisiana drivers find lower-cost car insurance.

• Raise deductibles
• Higher credit scores can equal lower rates
• Buy safe vehicles
• Buying your home and auto policies from the same company can earn a discount
• Claim-free policyholders usually earn a discount
• Older vehicles may not need full coverage
• Compare rate quotes often

The last tip in the list is notably important, as was pointed out in this write-up. Insurance prices in Louisiana can be modified anytime, so drivers shouldn’t be resistant to buy a policy from a new company if a lower price can be found. Sticking with a specific company is fine, but we do not recommend it if that loyalty ends up costing potentially thousands of dollars a year. It takes less than five minutes to compare rates to find cheaper car insurance for a Jeep Wrangler.