Cheap Insurance for a Jeep Wrangler in Michigan

Our staff writers always rib each other than when writing about auto insurance, the word “cheap” should never appear anywhere in the article to describe car insurance rates. Sad but true, cheap car insurance for a Jeep Wrangler is not easy to find. Don’t let that discourage you, because there may be ways you can still get car insurance that fits into your budget.

Whether or not you can find the best cheap auto insurance for a Jeep Wrangler in Michigan is dependent upon many rating factors such as the safety rating of your vehicle, what you do for a living, and whether or not you are a good driver. Drivers in Michigan pay approximately $2,190 annually to insure a Jeep Wrangler, but that rate is a valuation using rating data for a 40-year-old single female driver who purchased full coverage and $500 policy deductibles.

There is a very good chance that you’re not a 40-year-old female, possibly married instead of single, or maybe you have a couple of speeding tickets. Making minor changes in policy rating data can lead to a significant difference in quoted rates.

Every policy is rated specifically for the driver, so the way we recommend to find affordable rates for your Jeep is to do your own rate comparisons. Get your free quotes now and you can get rates from the best companies that insure vehicles in Michigan.

Cheapest Jeep Wrangler Insurance Rates

The trim level of your Wrangler tends to impact the cost of insurance, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr trim level will be $558 less expensive the price to insure the fancier Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown by the rates below.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific Michigan garaging location which can impact premium rates significantly.

Ending up with the right company can be rather challenging considering how many choices there are in Michigan. The company information displayed below could help you pick which coverage providers to look at comparing rates from.

The rankings below include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Michigan are not included in this list. To get rate quotes from the most competitive companies in Michigan, click this link.

Top 10 Large Auto Insurance Providers Overall in Michigan

1. The Hartford
2. Progressive
3. State Farm
4. Farmers Insurance
5. Safeco Insurance
6. USAA
7. GEICO
8. 21st Century
9. Liberty Mutual
10. AAA Insurance

Top Companies for Jeep Wrangler Insurance in Michigan

Drive responsibly or pay higher rates

One of the best ways to earn cheap insurance for a Jeep Wrangler in Michigan is to be an attentive driver and avoid accidents and violations. The example below demonstrates how traffic citations and at-fault claims influence auto insurance costs for different age groups. The information is based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of an auto insurance policy in Michigan per year with no accidents or violations is $4,243. Add in two speeding tickets and the average cost surges to $5,668, an increase of $1,426 each year. Now get one accident along with the two speeding tickets and the yearly cost of insurance for a Jeep Wrangler goes up to an average of $7,063. That’s an increase of $2,820, or $235 per month, just for not paying attention while driving!

The information below demonstrates how choosing different deductibles can change annual premium costs when researching cheap insurance for a Jeep Wrangler. The information is based on a married male driver, full coverage, and no discounts are factored in.

The chart above illustrates that a 30-year-old driver could cut expenses by $476 a year by increasing from a $100 deductible up to a $500 deductible, or save $730 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could possibly save up to $1,396 or more by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will be necessary to have additional savings on hand to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Tips to find the cheapest insurance for a Jeep Wrangler

The list below summarizes some of the better penny-pinching solutions that can help drivers quote cheaper coverage.

• Earn discounts for being claim-free
• Vehicles with safetly features generally cost less to insure
• Drive safely
• Good credit scores may lower your rates
• Avoid at-fault accidents and claims
• Compare rate quotes frequently

The last tip is certainly critical, as we stressed in this write-up. Prices charged by auto insurers fluctuate constantly, so drivers shouldn’t be reluctant to buy a different policy if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if it’s costing you hundreds every year. It only take a few minutes to compare rates to find cheaper auto insurance for a Jeep Wrangler.

Best cheap Jeep Wrangler insurance quotes

Consumers have many ways to find cheaper insurance in Michigan, but the most preferred methods are from an independent agent, a captive (or exclusive) agency like Allstate or State Farm, or direct either online or via phone. They all have the same end result, but it’s important to point out the distinctions in how they provide rate quotes.

Independent agencies work with multiple companies and can get rate quotes from all of them. Agents of this type have the ability to give you a larger rate selection, which may give you a better overall rate comparison. If you are not satisfied with one company, your policy is moved internally which prevents you from having to find an new insurance agent.

Exclusive agents are restricted to quoting rates for just one company, for example an Auto-Owners or State Farm agent. These agents usually cannot quote prices from more than just one company, so always compare other rates.

The third popular method of shopping for insurance is direct, which means you skip a local insurance agent and buy direct either online or via phone. Shopping direct may be a decent choice consumers who do not need risk management and have a good understanding of how their policy works.

So which way is best to buy cheap insurance for a Jeep Wrangler in Michigan? The majority of insurance shoppers assume that buying direct results in the cheapest price because you bypass the agent, but unfortunately, that is not the case. We could also assume that going through an independent agent results in the best rates since there are more companies to choose from, but that assumption is also not necessarily accurate. For some people, exclusive agencies have extremely competitive rates well below independent agents AND direct companies.

Since insurance rates vary so much, really the only way to ensure you are not overpaying is to obtain price quotes and compare them. It takes a little work, but we recommend you get price quotes from all three to give yourself the best selection. For a list of companies offering online discounts, click here to view.