Cheapest Insurance for a Jeep Wrangler in Alabama

Our editors keep telling us that when writing about auto insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Despite the oxymoron, cheap auto insurance for a Jeep Wrangler can be hard, if not impossible, to find. But don’t despair, because we are going to show you how you can still find and buy auto insurance that is cheaper than your current policy.

The chances that you’ll find affordable coverage for a Jeep Wrangler in Alabama relies on a lot of different factors such as how far you commute, your credit history, and whether or not you are a good driver. Drivers will pay around $970 each year for Wrangler insurance, but that cost is a projection calculated based on a 40-year-old single female driver that has full physical damage coverage and $1,000 policy deductibles.

This brings up the issue that more than likely you are not exactly 40 years old and possibly not even female, maybe you are married instead of single, or you need different deductibles. There is no one cookie-cutter policy that works for everyone, so the most reliable method for finding cheap auto insurance rates for your Jeep is to make a habit of comparing prices at least once a year.

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Your Jeep’s trim level will likely have an effect on the coverage cost, so the price you pay to insure a Wrangler Sport 4WD 2-Dr model will be $244 cheaper than the insurance cost for the more well-appointed Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown in the table below.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in vehicle location which can modify coverage rates greatly.

Finding reliable, cost effective car insurance is hard enough, and determining which companies offer the best auto insurance rates for a Jeep Wrangler requires more quotes for comparison. Each company uses a slightly different approach for setting prices, so we need to take a look at the auto insurance companies with the overall cheapest rates in Alabama.

We do need to point out that Alabama auto insurance rates are calculated based on many things that can increase the cost of coverage. This price fluctuation is why consumers need to do a thorough rate comparison when trying to find the cheapest auto insurance quotes for a Jeep Wrangler. Car insurance prices are impacted by many factors and can change substantially, so the cheapest company the last time you checked may now be costing you a lot of money.

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Travelers quotes some of the best car insurance rates in Alabama at around $791 a year. Cincinnati Insurance, USAA, GEICO, and Country also qualify as some of the most economical Alabama car insurance companies.

In the rate table above, if you are a policyholder with GEICO and switched to Cincinnati Insurance, you could earn an annual savings of approxmiately $215. Insureds with Country might save as much as $355 a year, and Safeway customers might cut rates by $378 a year.

To find the cheapest insurance for a Jeep Wrangler in Alabama for your vehicle, click here to start your free quote or quote prices from the following companies.

Bear in mind that those rates are averages across all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Jeep Wrangler. So the insurer that has the cheapest price for you may not even be in the company chart above. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.

Should you buy full coverage?

Finding the cheapest insurance for a Jeep Wrangler in Alabama is probably important to most drivers, and one common way to reduce the cost of insurance is to only pay for liability coverage. The information below illustrates the comparison of insurance costs with liability coverage only compared to full coverage. Data assumes no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are factored in.

Averaged out for all age groups, comprehensive and collision coverage on your policy costs $2,181 per year more than just buying liability insurance. That amount may make you wonder if buying full coverage is worth the expense. There isn’t a written rule of when to exclude full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $5,000 after the policy deductible has been paid. If you are currently paying more than $500 a year for physical damage coverage, then it might be time to buy liability only.

There are a few situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Discounts on the cheapest insurance for a Jeep Wrangler in Alabama

Insurance companies that provide policies for a Jeep Wrangler may also give you rate discounts that may potentially lower prices by as much as 25% or more if you meet eligibility requirements. Large auto insurance companies and a summarized list of policyholder discounts are detailed below.

• 21st Century offers discounts including early bird, theft prevention, homeowners, defensive driver, student driver, and anti-lock brakes.
• Progressive offers discounts for online quote discount, multi-policy, good student, online signing, homeowner, and continuous coverage.
• State Farm may offer discounts for safe vehicle, defensive driving training, good driver, multiple policy, and student away at school.
• Nationwide has savings for Farm Bureau membership, business or organization, multi-policy, defensive driving, anti-theft, easy pay, and good student.
• Esurance offers premium reductions for defensive driver, online shopper, multi-car, renters, online quote, and multi-policy.
• The Hartford discounts include anti-theft, vehicle fuel type, driver training, bundle, and defensive driver.

The information below illustrates the comparison of yearly insurance costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Alabama state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, claim-free, multiple policy, accident-free, passive restraint, and safe-driver discounts applied. When discounts are applied, the average savings per year on auto insurance for a Jeep Wrangler is 28% or $504.