Jeep Wrangler Insurance Quotes in Tampa

Being forced to pay for expensive auto insurance premiums can diminish your checking account and possibly require postponing other expenditures. Getting a rate comparison is recommended to reduce premiums and put more money in your pocket.

Unthinkable but true, nearly 70% of customers kept buying from the same company for four years or more, and just under half have never shopped around. Florida insurance shoppers can save hundreds of dollars each year by just comparing quotes, but they don’t invest the time required to save money by comparing rate quotes.

Insurance companies such as GEICO, Farmers Insurance and State Farm all promote huge savings with advertising and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

Consumers should take time to get comparison quotes before your policy renews since rates change regularly. Despite the fact that you may have had the best premium rates on Jeep Wrangler insurance in Tampa a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the quickest way to save on auto insurance.

If you have insurance now, you stand a good chance to be able to cut your premiums using the ideas you’re about to read. Finding the cheapest insurance coverage in Tampa is much easier if you have a good place to start. But Florida car owners must know how big insurance companies compete online and use this information to your advantage.

Best companies for Jeep Wrangler insurance

The companies in the list below have been selected to offer free quotes in Tampa, FL. In order to find the best cheap auto insurance in Florida, it’s highly recommended you compare several of them to find the cheapest auto insurance rates.

Rates and detailed analysis

The coverage table shown below showcases estimates of insurance premium costs for Jeep Wrangler models. Being more informed about how prices are established can assist in making decisions on the best policy coverages.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific location which can impact coverage prices greatly.

Physical damage deductible comparison

When shopping for car insurance, a common question is how high should the physical damage coverage deductibles be. The comparisons below can help you visualize how much more rates are between high and low deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in your specific Tampa location which can alter coverage prices significantly.

Using the data above, we can ascertain that using a $100 deductible costs approximately $34 more each month or $408 a year than requesting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 26 months between claims, you would come out ahead going with the higher deductible.

The illustration below demonstrates how choosing different deductibles and can raise or lower Jeep Wrangler annual premium costs for different age groups of insureds. The premiums assume a married female driver, full physical damage coverage, and no additional discounts are factored in.

Full coverage or liability only

The illustration below shows the comparison of Jeep Wrangler auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.

Deciding between full coverage and liability only

There is no clear-cut formula that is best for determining when to drop physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Jeep Wrangler claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after you pay the deductible. If it’s costing you more than $200 a year to have full coverage, then it could be time to drop full coverage.

There are some situations where buying only liability insurance is not recommended. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

How do Insurance Companies Determine Jeep Wrangler Insurance Premiums?

Many things are part of the equation when you get your auto insurance bill. Some are pretty understandable like your driving record, but others are more transparent like your continuous coverage or how safe your car is.

Do you qualify for a multi-policy discount? – Most insurance companies afford lower prices to people who buy several policies from them in the form of a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount, it’s still a good idea to get quotes from other companies to help guarantee you have the best rates. You may still find lower rates by buying insurance from a different company.

How’s your driving record? – Having a single driving citation may increase your cost by as much as twenty percent. Drivers with clean records get better prices compared to bad drivers. Drivers who have flagrant citations such as DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.

The chart below illustrates how traffic citations and accidents can affect Jeep Wrangler yearly insurance costs for each different age category. Data assumes a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Car features impact prices – Purchasing a vehicle with an alarm system can help lower your premiums. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft and help bring rates down.

Frequent insurance claims will cost you – If you frequently file small claims, you should expect much higher rates or policy non-renewal. Car insurance companies in Florida award cheaper rates to drivers who are claim-free. Auto insurance is intended for more catastrophic claims.

Cheaper to insure women? – Over time, data shows women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both genders cause at-fault accidents at about the same rate, but males cause more damage. Men also tend to receive more costly citations like driving under the influence (DUI). Young men ages 16 to 20 are several times more likely to be in an accident and therefore pay the highest rates.

The chart below visualizes the comparison of Jeep Wrangler yearly insurance costs for male and female drivers. The data assumes no violations or claims, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are applied.

Get better prices if you’re married – Having a significant other actually saves money on insurance. Having a spouse generally demonstrates drivers are more mature and responsible and insurance companies reward insureds because married drivers get in fewer accidents.

More stress means more cost – Occupations like judges, air traffic controllers, and accountants have higher rates than average because of intense work situations and long work hours. On the flip side, jobs such as scientists, historians and the unemployed get better rates.

Youthful drivers pay higher prices – Teen drivers in Florida are known to be inattentive in a vehicle so they pay higher insurance rates. Older drivers are more cautious drivers, are lower risk to insure, and get fewer tickets.

The chart below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Jeep Wrangler claim statistics – Companies use historical loss data in order to profitably underwrite each model. Vehicles that have higher losses will cost more for specific coverages. The table below outlines the compiled insurance loss statistics for Jeep Wrangler vehicles.

For each coverage type, the loss probability for all vehicles, regardless of make, model or trim level, equals 100. Percentage numbers below 100 indicate better than average losses, while percentage numbers above 100 point to more losses or an increased chance of larger losses than average.

Car insurance policy discounts for Jeep Wrangler insurance in Tampa

The price of auto insurance can be rather high, but there could be significant discounts that could drop your premiums quite a bit. A few discounts will be applied when you complete an application, but some must be requested specifically in order for you to get them.

• Senior Discount – Mature drivers may receive reduced rates.
• Discount for New Cars – Insuring a new Wrangler can save up to 30% since new model year vehicles have better safety ratings.
• Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies may permit one accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.
• Early Payment Discounts – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
• Tampa Homeowners Pay Less – Being a homeowner can help you save on car insurance since owning and maintaining a home is proof that your finances are in order.
• Organization Discounts – Being in specific professional or occupational memberships or organizations may earn a discount when getting a Tampa auto insurance quote.
• Life Insurance – Some companies give better rates if you take out auto and life insurance together.

Remember that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic.

The example below visualizes the comparison of Jeep Wrangler insurance costs with and without policy discounts. The costs are based on a male driver, no claims or violations, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, multi-policy, marriage, and claim-free discounts applied.

A list of car insurance companies and a partial list of their discounts can be found below.

• Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, homeowner, online quote discount, multi-policy, and online signing.
• SAFECO discounts include accident prevention training, homeowner, anti-lock brakes, anti-theft, safe driver, and teen safe driver.
• American Family may have discounts that include bundled insurance, good student, accident-free, good driver, mySafetyValet, and multi-vehicle.
• MetLife has discounts for good driver, accident-free, multi-policy, claim-free, defensive driver, and good student.
• GEICO includes discounts for air bags, multi-policy, emergency military deployment, driver training, military active duty, and federal employee.
• The Hartford has savings for air bag, bundle, anti-theft, defensive driver, and vehicle fuel type.

It’s a good idea to ask each insurance company how many discounts you can get. Some credits might not be available to policyholders in Tampa. If you would like to view companies that can offer you the previously mentioned discounts in Tampa, click this link.

Should I get advice from a local insurance agent?

Many people would rather buy from a licensed agent and that can be a great decision One of the great benefits of comparing insurance online is that drivers can save money and get cheap insurance quotes and still have an agent to talk to.

To help locate an agent, after submitting this short form, your information gets sent to local insurance agents in Tampa that can give you free Tampa auto insurance quotes to get your business. You won’t even need to drive around because quoted prices will be sent directly to your email. It’s the lowest rates without requiring a lot of work. If you have a need to compare prices from a specific company, you just need to go to their quote page and give them your coverage information.

Deciding on a insurer is decision based upon more than just the quoted price. These questions are important to ask:

• How long has the business existed?
• Is auto insurance their primary focus in Tampa?
• If your car is in the repair shop, do you have coverage for a rental car?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Which companies do they recommend if they are an independent agency?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Pick the best auto insurance agent in Tampa for you

If you would like to find a local Tampa insurance agent, you must know there are a couple types of insurance agents that you can select. Insurance agents in Tampa are categorized either exclusive or independent.

Exclusive Agents

These agents can only place business with one company such as State Farm, Allstate, and Farm Bureau. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. They are very knowledgeable on their company’s products which helps them compete with independent agents.

Listed below is a list of exclusive agents in Tampa that are able to give price quote information.

More insurance agents

Independent Insurance Agents

These type of agents are appointed with more than one company so they have the ability to put coverage through lots of different companies and potentially find a lower price. If you want to switch companies, the business is moved internally and that require little work on your part.

If you are comparing insurance prices, you will want to get quotes from multiple independent agents to have the most options to choose from.

Shown below are Tampa independent agencies that can give you comparison quotes.

More insurance agents

How much insurance do I need?

When choosing adequate coverage for your vehicles, there isn’t really a one-size-fits-all type of policy. Everyone’s needs are different.

For instance, these questions can aid in determining whether your personal situation might need professional guidance.

• What policy terms are available?
• Can I rent a car in Mexico?
• Do I need special coverage while pulling a rented trailer?
• Is my son or daughter covered when driving my car?
• Am I covered when driving in Canada or Mexico?
• When should my teen driver be added to my policy?
• Will my rates increase for filing one claim?
• Am I insured when driving a different vehicle?
• How much cheaper are high deductibles?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Keep this in mind when shopping around

Drivers who switch companies do it for a variety of reasons including denial of a claim, poor customer service, high rates after DUI convictions and even being labeled a high risk driver. It doesn’t matter what your reason, finding a new car insurance company is less work than it seems.

More affordable car insurance in Tampa can be purchased from both online companies as well as from independent agents in Tampa, and you should compare rates from both to have the best rate selection. Some companies do not provide rates over the internet and usually these regional carriers provide coverage only through independent agents.

We just presented many ways to compare Jeep Wrangler insurance premium rates in Tampa. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding inexpensive Tampa auto insurance quotes. You may even be surprised to find that the lowest premium rates are with a lesser-known regional company.

How to find cheaper Jeep Wrangler insurance in Tampa

If saving the most money is your goal, then the best way to get affordable Jeep Wrangler insurance is to compare prices regularly from different companies in Tampa.

Step 1: Take a little time to learn about how your policy works and the factors you can control to keep rates low. Many rating criteria that drive up the price like inattentive driving and a less-than-favorable credit score can be rectified by making small lifestyle or driving habit changes.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can quote prices from multiple sources.

Step 3: Compare the price quotes to your existing policy to see if you can save by switching companies. If you find better rates and change companies, verify that coverage does not lapse between policies.

Step 4: Notify your agent or company of your intent to cancel your current car insurance policy and submit a completed application and payment for the new policy. Immediately upon receiving it, put the certificate of insurance with the vehicle registration.

A crucial key to this process is to make sure you enter the same deductibles and limits on every quote and and to get quotes from as many companies as possible. This ensures a fair rate comparison and the best price selection.

More detailed car insurance information is located by following these links:

• What Does No-Fault Insurance Cover? (Allstate)
• What Insurance is Cheapest for Police Officers in Tampa? (FAQ)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)