How Much Does Insurance Cost for a Jeep Wrangler in West Virginia?

The likelihood of finding cheap auto insurance for a Jeep Wrangler in West Virginia is contingent on a complex rating formula that takes into consideration things such as your marital status, where you live, and if you have a clean driving record. Drivers in West Virginia on average will pay $1,090 per year to buy Jeep Wrangler insurance, but that rate is a projection rating a 30-year-old married female who requires full coverage including both comprehensive and collision and $250 physical damage deductibles.

There is a good chance you may not be 30 years old (or even female), possibly single instead of married, or you need different deductibles. Insurance prices are based on the driver profile your best shot at finding the cheapest insurance price for your Jeep is to shop your policy around at every renewal.

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The trim level of your vehicle tends to impact the annual cost of coverage, so the price to insure a Wrangler Sport 4WD 2-Dr trim level will be $282 lower than the cost to insure the more expensive Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown by the rates below.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in garaging location in West Virginia which can alter insurance rates considerably.

Establishing which company quotes the cheapest insurance rates for a Jeep Wrangler involves more work than just quoting one company’s rates.

Every auto insurer has their own unique process to set their prices, so we’ll go over the insurance companies with the overall best prices in West Virginia. It’s important that readers know that West Virginia insurance rates are determined by lots of factors that control the cost of a policy. Getting older, having a claim, or having a fender bender may generate price changes resulting in some companies being cheaper in comparison to the competition.

Best Auto Insurance Prices for Your Jeep

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Erie offers some of the lowest car insurance rates in West Virginia at around $913 per year. The Hartford, State Auto, USAA, and Westfield also make the cut as some of the most economical West Virginia insurance companies.

As depicted above, if you are insured with USAA and switched to Erie, you could earn a yearly price reduction of in the vicinity of $361. West Virginia drivers with Westfield may save as much as $401 a year, and Progressive insureds might reduce rates by $581 a year.

To find out how your current rates compare, click here or click several companies below for low rates.

Remember that these rates are averaged across all drivers and vehicles in West Virginia and and are not calculated with a specific rating modification for a Jeep Wrangler. So the car insurance company that can offer you the best price may not even be included in the above rate chart. That point stresses why you need to get quotes using your own individual information.

How to get discounts on West Virginia insurance

Insurance companies that provide cheap insurance for a Jeep Wrangler in West Virginia may also provide premium discounts that could reduce prices by 35% or more if you meet eligibility requirements. Popular insurance companies and a selection of discounts are:

• Progressive discounts include homeowner, continuous coverage, good student, online quote discount, multi-vehicle, and multi-policy.
• Farmers Insurance offers premium reductions for teen driver, alternative fuel, pay in full, good student, homeowner, and business and professional.
• Farm Bureau may offer discounts for safe driver, multi-policy, multi-vehicle, youthful driver, and renewal discount.
• State Farm has discounts for good driver, multiple policy, passive restraint, defensive driving training, driver’s education, and safe vehicle.
• GEICO includes discounts for air bags, good student, five-year accident-free, federal employee, and multi-vehicle.
• SAFECO has savings for drive less, bundle discounts, multi-car, homeowner, anti-theft, teen safety rewards, and safe driver.
• Liberty Mutual policyholders can earn discounts including newly married, safety features, exclusive group savings, new vehicle discount, and teen driver discount.

The diagram below shows the comparison of yearly insurance costs with and without discounts applied to the rates. The costs are based on a male driver, no violations or claims, West Virginia state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, defensive driving course, safe-driver, claim-free, marriage, and vehicle safety discounts applied. When drivers qualify for the discounts, the the average yearly reduction on insurance for a Jeep Wrangler is 28% or $659.

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How to get cheap insurance for a Jeep Wrangler in West Virginia

The list below shows a few penny-pinching suggestions that can help West Virginia drivers quote cheaper car insurance.

• Frequent claims may make car insurance unaffordable
• Safer vehicles generally have cheaper insurance rates
• Serious violations like DUI or reckless driving can increase rates dramatically
• Bundle car and home insurance and save money
• Avoid preventable accidents
• Keep rates low by comparing prices once a year

That last piece of advice is extraordinarily vital, as we discussed in the article above. Prices charged by car insurance companies can be changed at any time, so don’t hesitate to switch to a new company if you can save money. Many consumers stick with the same company and that’s fine, but we do not recommend it if that stubbornness costs you a small fortune. In just a few minutes you could compare prices to find cheaper insurance for a Jeep Wrangler.

Cheap Jeep Wrangler insurance quotes

You have a lot of ways to compare insurance quotes in West Virginia, but the most prevalent are through an independent or non-exclusive agent, an exlusive agent such as State Farm or Liberty Mutual, or direct either online or via phone. All three ways are similar, but buyers need to know the differences in how they provide price quotes.

Independent insurance agencies can place your business with multiple companies and can do rate comparisons with all of them. Independent agents are not employed by only one company and can give you more rate choices, which can help you get the best chance of finding a lower price. If you are not satisfied with one company, they can switch companies in-house and you stay with the same agent.

A captive or exclusive agent is restricted to quoting rates for one insurance company, two examples being a State Farm or Liberty Mutual agent. Exclusive agents normally do not have the ability to provide multiple price quotes, so if rates are not competitive, they cannot shop around.

The final way is buying direct, which means you skip either of the other two types of agents and instead shop direct from companies such as Progressive or Geico. Shopping direct can be a good choice for people who have little risk and have some degree of understanding of what specific coverages they need.

Which method works best for finding cheap insurance for a Jeep Wrangler in West Virginia? Our initial answer would be buying from a direct car insurance company saves money since it doesn’t require paying agent commissions, but that turns out to not be true. We could also assume that an independent agent is the best way to go since they can provide multiple quotes, but that assumption is also not accurate. In many circumstances, the exclusive agents have extremely competitive rates that are the cheapest.

Since insurance prices are based on many different factors, the only real way to get rock-bottom rates is to compare rate quotes from as many companies as possible. Industry experts recommend getting rate quotes from all three in order to have the best selection to choose from. A great place to start is our list of online companies offering discounts: click here to view.