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.

Insurance quote for Jeep Wrangler in TampaUnthinkable 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.

Jeep Wrangler Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $166 $248 $542 $32 $162 $1,150 $96
Wrangler Unlimited Sport 2WD 4-Dr $166 $248 $678 $40 $202 $1,334 $111
Wrangler Sport Islander Package 4WD 2-Dr $166 $318 $542 $32 $162 $1,220 $102
Wrangler Unlimited Sport 4WD 4-Dr $192 $248 $678 $40 $202 $1,360 $113
Wrangler Sahara 4WD 2-Dr $192 $318 $542 $32 $162 $1,246 $104
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $192 $248 $678 $40 $202 $1,360 $113
Wrangler Unlimited Sahara 2WD 4-Dr $192 $248 $678 $40 $202 $1,360 $113
Wrangler Rubicon 4WD 2-Dr $192 $318 $542 $32 $162 $1,246 $104
Wrangler Unlimited Sahara 4WD 4-Dr $192 $318 $678 $40 $202 $1,430 $119
Wrangler Unlimited Rubicon 4WD 4-Dr $216 $318 $678 $40 $202 $1,454 $121
Get Your Own Custom Quote Go

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.

Jeep Wrangler insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $312 $418 $418 $24 $124 $1,321 $110
Wrangler Unlimited Sport 2WD 4-Dr $312 $418 $522 $30 $156 $1,463 $122
Wrangler Sport Islander Package 4WD 2-Dr $312 $532 $418 $24 $124 $1,435 $120
Wrangler Unlimited Sport 4WD 4-Dr $358 $418 $522 $30 $156 $1,509 $126
Wrangler Sahara 4WD 2-Dr $358 $532 $418 $24 $124 $1,481 $123
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $358 $418 $522 $30 $156 $1,509 $126
Wrangler Unlimited Sahara 2WD 4-Dr $358 $418 $522 $30 $156 $1,509 $126
Wrangler Rubicon 4WD 2-Dr $358 $532 $418 $24 $124 $1,481 $123
Wrangler Unlimited Sahara 4WD 4-Dr $358 $532 $522 $30 $156 $1,623 $135
Wrangler Unlimited Rubicon 4WD 4-Dr $406 $532 $522 $30 $156 $1,671 $139
Get Your Own Custom Quote Go

Jeep Wrangler insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $174 $220 $418 $24 $124 $960 $80
Wrangler Unlimited Sport 2WD 4-Dr $174 $220 $522 $30 $156 $1,102 $92
Wrangler Sport Islander Package 4WD 2-Dr $174 $280 $418 $24 $124 $1,020 $85
Wrangler Unlimited Sport 4WD 4-Dr $200 $220 $522 $30 $156 $1,128 $94
Wrangler Sahara 4WD 2-Dr $200 $280 $418 $24 $124 $1,046 $87
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $200 $220 $522 $30 $156 $1,128 $94
Wrangler Unlimited Sahara 2WD 4-Dr $200 $220 $522 $30 $156 $1,128 $94
Wrangler Rubicon 4WD 2-Dr $200 $280 $418 $24 $124 $1,046 $87
Wrangler Unlimited Sahara 4WD 4-Dr $200 $280 $522 $30 $156 $1,188 $99
Wrangler Unlimited Rubicon 4WD 4-Dr $224 $280 $522 $30 $156 $1,212 $101
Get Your Own Custom Quote Go

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.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $125
Average monthly premium for $1,000 deductibles (subtract): – $91
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

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 Loss Data for Jeep Wrangler Models
Specific Jeep Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Jeep Wrangler 2dr SWB 4WD 54 134 71 57 52 102
Jeep Wrangler 4dr 4WD 58 151 82 66 62 120

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

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.Car insurance discounts

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.

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.

Insurance agents in TampaTo 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:

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.

9724 N Armenia Ave #200Tampa, FL 33612(813) 931-3000View Map

3704 W Swann AveTampa, FL 33609(813) 289-7888View Map

3204 Cove Bend DrTampa, FL 33613(813) 971-1123View Map

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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.

4915 W Cypress StTampa, FL 33607(888) 269-6019View Map

14009 N Dale Mabry HwyTampa, FL 33618(813) 960-5225View Map

1316 W Busch BlvdTampa, FL 33612(813) 932-5511View Map

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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.Insurance savings

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

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: