Best Cheap Insurance Quotes for a Jeep Wrangler in North Dakota

The chances of finding the cheapest car insurance for a Jeep Wrangler in North Dakota is contingent on a complex formula that considers things such as your marital status, whether or not you are currently insured, and any prior driving offenses you have. Drivers pay an average rate of $720 each year to insure a Wrangler, but that is calculated using a 30-year-old married female with full coverage including both comprehensive and collision and $1,000 policy deductibles.

There is a good chance you may not be 30 years old (or even female), you might be single instead of married, and you probably do not live in the same zip code as the example. Just a slight difference in policy rating data could end up in a significant change in rates.

The different assumptions illustrate why the best method for finding cheap car insurance rates for your Jeep is to comparison shop your policy at every renewal or at least every couple of years. It only takes a couple of minutes and you can get rates from the best auto insurance companies that insure vehicles in North Dakota.

Cheapest Jeep Wrangler Insurance Rates

The trim level of your vehicle tends to have a direct effect on the cost of insurance, so the price you pay to insure a Wrangler Sport 4WD 2-Dr will be $186 less than the cost to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown in the chart below.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in your specific North Dakota location which can affect rates noticeably.

Locating low-priced auto insurance is not the easiest thing to do, and figuring out which companies have the lowest-priced car insurance rates for a Jeep Wrangler requires more quotes for comparison. Every insurance company uses slightly different criteria to set premium rates, so we’ll go over the car insurance companies that tend to be cheaper in North Dakota.

It’s important to understand that North Dakota car insurance rates are impacted by many factors which can substantially change the price you have to pay for coverage. This price fluctuation is why it is crucial to perform a complete rate comparison to find cheap car insurance quotes for a Jeep Wrangler. Insurance prices are made up of many different factors and change substantially, so the cheapest rate when you last compared rates may now be costing you a lot of money.

Best Auto Insurance Prices for Your Jeep

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USAA normally has some of the lowest car insurance rates in North Dakota at around $711 annually. Allied, Nodak Mutual, Grinnell, and Safeco would also make the list of some of the best North Dakota car insurance companies.

As illustrated above, if you have coverage with Safeco and switched to Allied, you may realize savings of about $237. Drivers with State Farm might save as much as $257 a year, and State Auto policyholders might lower prices by up to $428 a year.

To see if your current coverage is too expensive, click here to start your custom quote or quote rates from the companies below.

Understand that those rates are averaged for all insureds and vehicles and and are not figured with a specific rating modification for a Jeep Wrangler. So the company that has the cheapest price for you may not even be featured in the chart above. That point stresses why you need to compare rates from multiple companies using your own driver data and vehicle information.

The information below demonstrates how choosing different deductibles can increase or decrease insurance costs when searching for cheap insurance for a Jeep Wrangler. The premium estimates are based on a married female driver, full coverage, and no discounts are factored in.

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The chart above illustrates that a 50-year-old driver could lower rates by $216 a year by increasing from a $100 deductible up to a $500 deductible, or save $326 by switching to a $1,000 deductible. Young drivers, like the age 20 example, could possibly save $536 every year just by using higher deductibles.

When raising deductibles, it will now be necessary to have enough spare savings to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Liability-only versus full coverage

Finding the best cheap insurance for a Jeep Wrangler in North Dakota is probably important to most people, and one of the easiest ways to buy cheap insurance is to buy liability only. The information below illustrates the difference between insurance costs with liability coverage only compared to full coverage. The rates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no additional discounts are factored in.

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Averaged for all age groups, full coverage on your policy costs an additional $1,658 per year more than just buying liability only. Lot’s of drivers question when is the right time to remove full coverage. There is no exact rule of when to stop paying for full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying your deductible. If premium cost is more than $600 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where only buying liability is not recommended. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

How to find the best cheap insurance for a Jeep Wrangler in North Dakota

The list below summarizes some of the recommended money-saving ideas that can help North Dakota drivers quote low-cost car insurance.

• Insure your home and auto with the same company
• Raise physical damage deductibles
• Do not waste money insuring older vehicles for full coverage
• Buy a safer vehicle
• Higher credit ratings may save you money
• If possible, pay for small claims out-of-pocket
• Shop around for cheaper prices often

That last idea is particularly critical, as we hit on in the prior article. Car insurance rates adjust often, so don’t hesitate to buy from a different company if a more affordable price is available. Being loyal to a particular company is commendable, but is isn’t recommended if that loyalty results in overpaying money that could be going to better use. Now is a great time to compare rates to find cheaper insurance for a Jeep Wrangler.

Cheapest Jeep Wrangler insurance quotes

Thanks to technology, there are a lot of ways to find lower-cost car insurance in North Dakota, but the most popular methods are through an independent insurance agent, a captive (or exclusive) agent like Auto-Owners or State Farm, or from a direct company like Geico. Each way is similar, but they are slightly different in how they function.

Independent agencies are appointed by several companies and can provide price quotes from each one. Independent agents are not restricted to one company and can provide you with more rate quotes, which can help you get the best chance of finding a lower price. If a cheaper rate is found, the agent simply finds a different carrier and you don’t have to find a new agent.

An agent who is captive is restricted to quoting rates for a single insurance company, two popular examples being a State Farm or Liberty Mutual agent. Exclusive agents cannot provide prices from multiple companies, so if their prices are high, they cannot shop around.

Opting to purchase car insurance direct means you do not use an exlusive or independent agent and instead shop buying direct from a company like Progressive or Esurance. Shopping for car insurance direct can be good for families who do not need high levels of coverage and have a good understanding of how car insurance works and possible exclusions.

What is the best way to find the best cheap insurance for a Jeep Wrangler in North Dakota? It would be simple to say buying from a direct car insurance company results in the best prices because there are no middleman commissions, but that is generally not the case. We’d also like to say an independent agency saves the most money since they can quote with many companies, but again, it’s not a sure thing. For some people, the exclusive agents have coverage prices that independents and direct companies can’t touch.

Because there are so many factors that make up car insurance rates, the best way to buy the cheapest policy is to compare rate quotes from as many companies as possible. The best approach is to get prices from all three types to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.

Which car insurance company is best?

When comparing rates for auto insurance, four of the best places to start are Geico, Allstate, Progressive, and State Farm. All of them offer liability and physical damage protection, but each on has somewhat different options that policyholders can choose from. The table below illustrates some of the different features that are available.