How Much are Insurance Quotes for a Jeep Wrangler in Idaho?

Whether or not you can find the cheapest insurance for a Jeep Wrangler in Idaho hinges on a complicated rating formula that uses factors like whether you are married, whether you are claim-free, and your driving record. Idaho drivers pay approximately $860 per year for Wrangler insurance, but that price is a projection based on a 40-year-old single male who requires full physical damage coverage and $100 deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 40 years old and maybe not even male, possibly married instead of single, or maybe you just want liability only instead of full coverage. Every driver has different characteristics, so the most reliable method for finding the cheapest rates for your Jeep is to just take the time to compare rates yourself. It only takes a few minutes and you will receive prices from top-rated car insurance companies available.

Compare Jeep Wrangler Insurance Rates

The specific trim level can impact the coverage cost, so the cost to insure a Wrangler Sport 4WD 2-Dr model will be $220 cheaper than the insurance cost for the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the prices below.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in Idaho location which can influence price quotes noticeably.

Shopping around for cost effective car insurance is not the easiest thing to do, and figuring out which companies offer the cheapest insurance rates for a Jeep Wrangler takes even more perseverance. Every insurance provider uses their own calculation to establish rates, so let’s rank the overall cheapest insurance companies in Idaho.

It’s important that you understand Idaho insurance rates are influenced by many factors which can significantly increase or decrease the policy premium. Simply improving your credit score, buying another vehicle, or getting caught speeding can cause premium changes that can make some companies more affordable than before.

Best Insurance Companies for Your Jeep

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American National offers some of the most affordable car insurance rates in Idaho at around $240 each year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also qualify as some of the cheaper Idaho insurance companies.

In the above example, if you currently have coverage with Oregon Mutual and switched to American National, you could realize savings of around $412. Insureds with Travelers might save as much as $467 a year, and The Hartford insureds might see rate reductions of $487 a year.

These policy prices are averaged for all drivers and vehicles in Idaho and and are not calculated with a specific rate factor for a Jeep Wrangler. So the auto insurance company that fits your situation best may not even be featured in the chart above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

The information below demonstrates how choosing different deductibles can increase or decrease insurance rates when trying to find cheap insurance for a Jeep Wrangler. The price estimates are based on a married female driver, comp and collision included, and no discounts are factored in.

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A 30-year-old driver could lower their policy premium by $194 a year by increasing from a $100 deductible to a $500 deductible, or save $296 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could potentially save up to $416 or more by choosing a higher deductible.

When raising deductibles, it’s a good idea to have enough funds in savings to cover the extra out-of-pocket expense that comes with higher deductibles.

Company comparison: Allstate vs Geico vs State Farm vs Progressive

If you are looking for the best auto insurance, four of the best places to start are Allstate, Geico, State Farm, and Progressive. All offer liability and physical damage insurance, but each one has slightly different options that drivers can select from. The following table breaks down ratings for price, service, and claims, in additional to some of the optional coverages offered by each company.

How to find cheap insurance for a Jeep Wrangler in Idaho

It is possible to find better rates, and here are many money-saving solutions that can help drivers find lower-cost auto insurance.

• Raise comprehensive and collision coverage deductibles
• Do not get into accidents
• Vehicles with safetly features generally cost less to insure
• Drop full coverage on older vehicles
• Good credit can save money
• Save money by observing traffic laws and speed limits
• Comparison shop at least once a year

The last suggestion is highly important, as was discussed in the article above. Rates can be changed at any time, so drivers shouldn’t be resistant to buy a policy from a new company if you can find a cheaper rate. Being loyal to a particular company is commendable, but it’s not a great idea if that faithfulness ends up costing you hundreds of dollars a year. In just a couple of minutes you could shop around and find cheaper auto insurance for a Jeep Wrangler.