2021 Jeep Wrangler Insurance Rates in 2024 – 10 Discounts for Cheaper Quotes

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 10, 2024

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Trying to find the cheapest insurance coverage rates? Buyers have many options when searching for the lowest priced Jeep Wrangler insurance. They can either spend hours calling around getting price quotes or utilize the internet to find the lowest rates.

There are more efficient ways to compare insurance coverage rates so we’re going to tell you the proper way to price shop coverage for your Jeep and obtain the lowest price from both online companies and local agents.

It’s a good habit to compare rates once or twice a year because insurance coverage prices change regularly. If you had the best deal on Wrangler insurance last year there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to use online quotes to properly buy coverages and cut your premium.

The quickest method we recommend to compare rates utilizes the fact most larger insurance companies actually pay money for the chance to provide you with a free rate quote. To get started, all you need to do is give the companies some data including your credit rating estimate, if the vehicle is leased, how much coverage you want, and what you do for a living. Your information is instantly submitted to many different companies and they provide comparison quotes very quickly.

To compare rates now, click here and complete the quick form.

Can you really save $420 a year?

Consumers can’t avoid all the ads that claim the lowest rates by Allstate and Progressive. All the ads try to convey promises about savings after switching your coverage to them.

That’s great but how can every company give you a lower rate? Here is the trick they use.

Insurance coverage companies quote the lowest rates for the type of driver that earns them the most money. An example of a desirable risk might have to be over the age of 40, carries full coverage, and drives a vehicle with a low ISO rating. Any customer that matches those criteria will most likely get cheap car insurance rates as well as save money with a new company.

Insureds who are not a match for the ideal profile will see a higher premium and ends up with the customer buying from a different company. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save that much. That is how companies can make claims like that.

This really drives home the point why drivers should get car insurance quotes from several different companies. Because without a comparison, you cannot know with any certainty which company will fit your personal profile best.

Car insurance companies offer lots of discounts

Some providers do not list every discount available in a way that’s easy to find, so here is a list a few of the more common and the harder-to-find discounts that may be available.

  • Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you may save 10% to 20% off each policy.
  • Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
  • Distant College Student Discount – Kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Air Bag Discount – Factory air bags can get savings as much as 30%.
  • Accident Free – Drivers who don’t have accidents get the best car insurance rates in comparison with frequent claim filers.
  • First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims before the accident.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Auto/Life Discount – Larger insurance carriers have lower rates if you buy a life insurance policy as well.
  • Senior Discount – Drivers that qualify as senior citizens are able to get a small decrease in premiums on Wrangler insurance.
  • Club Memberships – Affiliation with a professional or civic organization may earn a discount on your policy.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

A list of companies and some of the discounts are detailed below.

  • Farm Bureau offers premium reductions for driver training, 55 and retired, youthful driver, good student, safe driver, and renewal discount.
  • Liberty Mutual discounts include teen driver discount, new vehicle discount, multi-car, exclusive group savings, and new graduate.
  • State Farm has savings for multiple policy, anti-theft, Drive Safe & Save, defensive driving training, good driver, safe vehicle, and good student.
  • Auto-Owners Insurance may have discounts that include good student, paperless, paid in full, teen driver, multiple vehicles, company car, and safe vehicle.
  • GEICO offers discounts for multi-vehicle, emergency military deployment, membership and employees, five-year accident-free, seat belt use, military active duty, and anti-theft.
  • SAFECO may include discounts for homeowner, bundle discounts, accident prevention training, anti-theft, and safe driver.

When quoting, ask each company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to choose from a list of insurers with significant discounts, enter your zip code here.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions can aid in determining whether you could use an agent’s help.

  • When should I drop full coverage on my 2021 Jeep Wrangler?
  • Is a blown tire covered by insurance?
  • Am I covered when driving on a suspended license?
  • Does liability extend to a camper or trailer?
  • Am I covered when driving a rental car?
  • Does car insurance cover theft of personal property?
  • Do I need PIP coverage since I have good health insurance?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, free and may give you better protection.

Parts of your insurance policy

Having a good grasp of insurance helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, a tree branch falling on your vehicle, falling objects, vandalism and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision coverage covers damage to your Wrangler caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Jeep Wrangler.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liability limits.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, hospital visits, EMT expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance – Liability insurance will cover damage that occurs to people or other property. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, court costs and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Be Smart and Buy Smart

Consumers switch companies for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, unfair underwriting practices or even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Cheaper 2021 Jeep Wrangler insurance is definitely available online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not have price quotes online and these smaller companies work with independent insurance agents.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice liability coverage limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.

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