Are you looking for a better way to compare more competitive Jeep Wrangler insurance in San Antonio? Finding cheaper prices on Jeep Wrangler insurance in San Antonio is always challenging for drivers who have little experience quoting and comparing rates online. You have so many different companies and agents to choose from that it can quickly become a burden to compare rates in Texas on Jeep Wrangler insurance.
It’s easy to assume that auto insurance companies want to keep you from comparing prices. People who get comparison quotes once a year are likely to buy a different policy because there is a great chance of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who compared price quotes annually saved over $70 a month compared to other drivers who never shopped around for cheaper prices.
If finding the cheapest price on auto insurance is your intention, then learning about how to compare car insurance can help make the process easier.
Buying affordable auto insurance in San Antonio can be made easier if you know where to look. If you have a current auto insurance policy, you will most likely be able to reduce the price you pay using the techniques presented in this article. But Texas car owners need to have an understanding of how big insurance companies market insurance on the web and apply this information to your search.
How to buy Jeep Wrangler insurance in San Antonio
All major car insurance companies give insurance quotes on the web. Doing online quotes for Jeep Wrangler insurance in San Antonio is quite simple because you just enter the amount of coverage you want into the quote form. After you complete the form, the system automatically retrieves your credit score and driving record and returns a price quote based on these factors.
Being able to quote online for Jeep Wrangler insurance in San Antonio simplifies rate comparisons, and it’s absolutely necessary to perform this step if you are searching for a better rate.
If you want to find out if lower rates are available, compare quotes from the companies shown below. If you have a policy now, it’s recommended you complete the form with the coverages exactly as shown on your declarations page. This makes sure you will have comparison quotes using the exact same coverages.
The companies shown below provide quotes in San Antonio, TX. If the list has multiple companies, we recommend you click on several of them to find the most competitive auto insurance rates.
Earn discounts on San Antonio car insurance
Some insurance providers don’t necessarily list every discount they offer in a way that’s easy to find, so we break down a few of the more well known and the more hidden discounts you could be receiving when you buy San Antonio car insurance online.
- Government Employees – Federal government employees may reduce rates when you quote San Antonio car insurance with some car insurance companies.
- Low Mileage Discounts – Driving fewer miles can earn lower premium rates due to less chance of an accident.
- Active Military Service – Being on active deployment in the military could mean lower premium rates.
- Discounts for Multiple Vehicles – Drivers who insure all your vehicles on a single policy can get a discount on all vehicles.
- Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike if you have no claims before the accident.
- Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
- Sign Online – Some of the larger companies give back up to $50 for buying a policy and signing up on the internet.
One last thing about discounts, most credits do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.
The diagram below illustrates the difference between Jeep Wrangler annual premium costs with and without discounts applied. The price estimates are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, multi-car, claim-free, and homeowner discounts applied.
Larger car insurance companies and some of the premium reductions they offer can be read below.
- GEICO offers discounts for driver training, five-year accident-free, seat belt use, daytime running lights, emergency military deployment, and multi-policy.
- SAFECO has savings for teen safety rewards, homeowner, multi-car, safe driver, anti-lock brakes, and bundle discounts.
- State Farm may have discounts that include safe vehicle, Drive Safe & Save, good driver, student away at school, Steer Clear safe driver discount, passive restraint, and anti-theft.
- MetLife offers premium reductions for defensive driver, good driver, multi-policy, claim-free, and good student.
- 21st Century policyholders can earn discounts including good student, automatic seat belts, air bags, anti-lock brakes, defensive driver, theft prevention, and 55 and older.
- Progressive has discounts for continuous coverage, online signing, good student, multi-policy, online quote discount, multi-vehicle, and homeowner.
If you want cheaper San Antonio car insurance quotes, ask every insurance company the best way to save money. Some of the discounts discussed earlier might not be offered in San Antonio. To find providers with discount car insurance rates in San Antonio, click this link.
Jeep Wrangler insurance charts and tables
The rate table below outlines a range of insurance costs for Jeep Wrangler models. Being aware of how policy rates are figured can help drivers make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $274 | $430 | $496 | $30 | $148 | $1,378 | $115 |
| Wrangler Unlimited Sport 2WD 4-Dr | $274 | $430 | $620 | $36 | $186 | $1,546 | $129 |
| Wrangler Sport Islander Package 4WD 2-Dr | $274 | $550 | $496 | $30 | $148 | $1,498 | $125 |
| Wrangler Unlimited Sport 4WD 4-Dr | $314 | $430 | $620 | $36 | $186 | $1,586 | $132 |
| Wrangler Sahara 4WD 2-Dr | $314 | $550 | $496 | $30 | $148 | $1,538 | $128 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $314 | $430 | $620 | $36 | $186 | $1,586 | $132 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $314 | $430 | $620 | $36 | $186 | $1,586 | $132 |
| Wrangler Rubicon 4WD 2-Dr | $314 | $550 | $496 | $30 | $148 | $1,538 | $128 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $314 | $550 | $620 | $36 | $186 | $1,706 | $142 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $356 | $550 | $620 | $36 | $186 | $1,748 | $146 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific San Antonio garaging location which can revise prices substantially.
Rate comparison for different deductibles
When buying auto insurance, a common question is how low should you set your deductibles. The tables below illustrate the price difference when you choose different physical damage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $256 | $320 | $382 | $22 | $114 | $1,119 | $93 |
| Wrangler Unlimited Sport 2WD 4-Dr | $256 | $320 | $476 | $28 | $142 | $1,247 | $104 |
| Wrangler Sport Islander Package 4WD 2-Dr | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Wrangler Unlimited Sport 4WD 4-Dr | $294 | $320 | $476 | $28 | $142 | $1,285 | $107 |
| Wrangler Sahara 4WD 2-Dr | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $294 | $320 | $476 | $28 | $142 | $1,285 | $107 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $294 | $320 | $476 | $28 | $142 | $1,285 | $107 |
| Wrangler Rubicon 4WD 2-Dr | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $294 | $408 | $476 | $28 | $142 | $1,373 | $114 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $332 | $408 | $476 | $28 | $142 | $1,411 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $208 | $258 | $382 | $22 | $114 | $984 | $82 |
| Wrangler Unlimited Sport 2WD 4-Dr | $208 | $258 | $476 | $28 | $142 | $1,112 | $93 |
| Wrangler Sport Islander Package 4WD 2-Dr | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Wrangler Unlimited Sport 4WD 4-Dr | $240 | $258 | $476 | $28 | $142 | $1,144 | $95 |
| Wrangler Sahara 4WD 2-Dr | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $240 | $258 | $476 | $28 | $142 | $1,144 | $95 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $240 | $258 | $476 | $28 | $142 | $1,144 | $95 |
| Wrangler Rubicon 4WD 2-Dr | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $240 | $328 | $476 | $28 | $142 | $1,214 | $101 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $270 | $328 | $476 | $28 | $142 | $1,244 | $104 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in vehicle garaging location which can revise premium rates significantly.
We can estimate from the data above that using a $250 deductible costs roughly $12 more each month or $144 every year averaged for all Wrangler models than choosing the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 21 months between claim filings, you would probably be better off if you decide on a higher deductible. Here’s the way this determination is made.
| Average monthly premium for $250 deductibles: | $106 |
| Average monthly premium for $500 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important caveat is that a higher deductible level means you pay more out-of-pocket when you have a claim. That will force you to have some available funds in order to pay the deductible.
The illustration below demonstrates how deductible levels and can increase or decrease Jeep Wrangler yearly insurance costs for each different age category. Data assumes a single male driver, comp and collision included, and no other discounts are factored in.
Jeep Wrangler insurance rates by gender in San Antonio
The diagram below shows the comparison of Jeep Wrangler auto insurance rates for male and female drivers. The costs are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The example below shows the comparison of Jeep Wrangler yearly insurance costs with full coverage and liability only. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Guidelines for eliminating full coverage
There is no exact rule to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Jeep Wrangler book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your policy deductible. If it’s costing in excess of $200 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few cases where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Five factors that influence insurance prices
Multiple criteria are used when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but some are not quite as obvious like your continuous coverage and annual miles driven. An important part of buying insurance is that you know some of the things that are used to determine the rates you pay for auto insurance. If you know what influences your rates, this empowers consumers to make smart changes that will entitle you to lower premium levels.
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Responsible drivers pay better costs – A bad driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Only having one moving violation may increase your cost by as much as twenty percent. Drivers who have received severe tickets like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state’s department of motor vehicles in order to continue driving.
The chart below shows how violations and fender-benders can drive up Jeep Wrangler car insurance costs for each different age group. The rates are based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
- Cheaper rates using theft deterrents – Buying a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent vehicle theft.
- Liability insurance is critical – A critical coverage on your policy, liability insurance kicks in in the event that a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not cut corners here.
- Be proud to be claim-free – Insurance companies in Texas award cheaper rates to people who are claim-free. If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is intended for the large, substantial claims.
- Uninterrupted coverage saves money – Allowing your auto insurance policy to lapse will be a fast way to drive up your policy premiums. Not only will rates go up, failure to provide proof of insurance can result in a steep fine or even jail time. You may have to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department to get your license reinstated.
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Jeep Wrangler claim probability – Insurance companies include the past claim trends for vehicles when determining insurance prices. Vehicles that are shown to have higher losses will have a higher premium rate. The table below outlines the collected loss data for Jeep Wrangler vehicles.
For each coverage category, the claim amount for all vehicles compiled together is set at 100. Values that are under 100 indicate better than average losses, while percentage numbers above 100 point to more losses or an increased likelihood of larger losses.
Car Insurance Loss Data for Jeep Wrangler Models Vehicle Make and 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 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Local San Antonio car insurance agents
Some people just want to talk to a local agent and there is nothing wrong with that. The best thing about comparing rates online is that you can obtain cheap car insurance quotes and still have an agent to talk to.
To help locate an agent, after submitting this quick form, your information is emailed to agents in your area who will gladly provide quotes for your business. You won’t need to visit any agencies because quoted prices will be sent to your email. You can get cheaper car insurance rates without having to waste a lot of time. If you wish to get a comparison quote from a specific car insurance provider, you just need to visit that company’s website and give them your coverage information.
Deciding on an provider requires you to look at more than just a cheap price. Here are some questions you should ask.
- Will one accident increase rates?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is there any savings for paying the full premium?
- What is the financial rating for the quoted company?
- How often do they review coverages?
- What companies can they write with?
- Are they in the agency full-time?
- Which companies do they recommend if they are an independent agency?
If you need to find a reliable insurance agent, you must know there are a couple types of agencies that you can select. Car insurance policy providers can be categorized as either exclusive agents or independent agents.
Exclusive Agencies
Agents of this type can only provide pricing for a single company and some examples include Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. A lot of people choose to use a exclusive agent partially due to high brand loyalty and the convenience of having all coverages with one company.
The following are San Antonio exclusive insurance agencies that are able to give comparison quotes.
- Mike Smith – State Farm Insurance Agent
14802 Jones Maltsberger Rd #201 – San Antonio, TX 78247 – (210) 251-3657 – View Map - Art Manzano – State Farm Insurance Agent
1255 SW Loop 410 Ste 135 – San Antonio, TX 78227 – (210) 670-0000 – View Map - Kellie Moore – State Farm Insurance Agent
10103 TX-1604 Loop #102 – San Antonio, TX 78254 – (210) 688-7707 – View Map
Independent Agencies or Brokers
These type of agents can sell policies from many different companies and that enables them to quote your coverage with any number of different companies and potentially find a lower price. If you want to switch companies, they simply switch companies in-house which requires no work on your part. When searching for an agent, you need to get insurance quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Most can insure with smaller companies which may provide better rates.
Below is a short list of independent insurance agents in San Antonio that can give you price quotes.
- IBC Insurance Agency Ltd
5300 Walzem Rd – San Antonio, TX 78218 – (210) 646-9870 – View Map - Toubin Insurance Agency
7410 Blanco Rd #385 – San Antonio, TX 78216 – (210) 446-0109 – View Map - Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 – San Antonio, TX 78216 – (210) 738-3537 – View Map
Cheaper coverage is out there
Throughout this article, we presented a lot of ways to lower your Jeep Wrangler insurance prices in San Antonio. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest prices come from some of the lesser-known companies.
People switch companies for any number of reasons including delays in paying claims, questionable increases in premium, high rates after DUI convictions and lack of trust in their agent. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.
When shopping online for car insurance, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to find the BEST coverage for the lowest cost while still protecting your assets.
Additional detailed information is available in these articles:
- Teen Driver Licensing Information (iihs.org)
- Who Has the Cheapest Auto Insurance Rates for Welfare Recipients in San Antonio? (FAQ)
- Who Has the Cheapest Auto Insurance for a Learners Permit in San Antonio? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)
- Get the Right Protection (InsureUonline.org)