Cheapest Insurance Quotes for a Jeep Wrangler in New Hampshire

Our content editors always give us grief that when writing about car insurance, the word “cheap” should never appear anywhere to describe car insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Jeep Wrangler is not always easy to find. We’ll try to make it up to you, because we will teach you how you can quote and buy car insurance that is cheaper than what you are paying now.

The chances of buying the best cheap auto insurance for a Jeep Wrangler in New Hampshire depends on a complicated equation that takes into consideration things such as if you have purchased a home, your profession, and deductibles for comprehensive and collision coverage. Drivers in New Hampshire pay an average rate of $710 every 12 months to buy Jeep Wrangler insurance, but that is a projection calculated using a 30-year-old married male that wants both comprehensive and collision coverage and $250 physical damage deductibles.

Odds are that you are not 30 and possibly not even male, possibly single instead of married, and maybe your credit level is not the same as what was rated. This illustrates why the most reliable method for finding the cheapest coverage for your Jeep is to get into the habit of shopping around regularly. Rate quotes are easy and you will be able to compare rates from the cheapest companies that offer coverage in New Hampshire.

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The specific trim level impacts the cost of coverage, so the rate you will pay to insure a Wrangler Sport 4WD 2-Dr model will be $180 cheaper than the cost to insure the fancier Wrangler Unlimited Rubicon 4WD 4-Dr version, as demonstrated by the prices below.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in vehicle location which can affect rates considerably.

Deciding which companies have the cheapest car insurance rates for a Jeep Wrangler will involve a bit more effort in order to find the best policy. Every auto insurer uses a different method to set policy rates, so we will examine the car insurance companies with the overall cheapest rates in New Hampshire.

Best Auto Insurance Prices for Your Jeep

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Concord has some of the best car insurance rates in New Hampshire at around $684 annually. Travelers, Patriot, USAA, and Vermont Mutual would also make the list of some of the most economical New Hampshire car insurance companies.

In this example, if you currently buy coverage from USAA and switched to Concord, you could earn yearly savings of upwards of $136. Drivers with Vermont Mutual could save as much as $207 a year, and Amica customers might reduce rates by $232 a year.

Bear in mind that those premiums are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rate value for a Jeep Wrangler. So the car insurance company that is most affordable for your situation may not even be shown in the rate chart shown above. That affirms the importance of why you need to get car insurance quotes using your own personal information and vehicle type.

Discounts on the cheapest insurance for a Jeep Wrangler in New Hampshire

Insurance companies that offer cheap quotes for a Jeep Wrangler may provide premium discounts that can reduce rates by as much as 30% if you meet specific eligibility requirements. A list of companies and some of their more popular discounts are included below.

• Farm Bureau has discounts for renewal discount, multi-policy, 55 and retired, driver training, multi-vehicle, safe driver, and good student.
• State Farm policyholders can earn discounts including good student, passive restraint, multiple policy, student away at school, good driver, multiple autos, and anti-theft.
• Progressive may offer discounts for continuous coverage, multi-vehicle, online signing, homeowner, online quote discount, good student, and multi-policy.
• Allstate may include discounts for premier plus, good payer, new car, resident student, and good student.
• Nationwide may have discounts that include anti-theft, Farm Bureau membership, easy pay, accident-free, and business or organization.
• MetLife offers discounts including good driver, accident-free, multi-policy, claim-free, and defensive driver.

The information below compares premium costs with and without discounts applied to the rates. The rates are based on a male driver, no accidents or driving violations, New Hampshire state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, marriage, anti-theft, multiple vehicle, safe-driver, and homeowner discounts applied. With discounts applied, the the average yearly reduction on car insurance for a Jeep Wrangler is 28% or $359.

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Car insurance rates are higher with tickets and accidents

The easiest way to score low car insurance prices in New Hampshire for a Wrangler is to pay attention while driving and avoid traffic citations and accidents. The chart below illustrates how traffic citations and at-fault fender-benders can raise car insurance rates for different age categories. The costs are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

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In the previous example, the average cost of car insurance per year with a clean driving record and no accidents is $1,193. Get one speeding ticket and the average cost surges to $1,390, an increase of $196 each year. Now get one accident along with the one speeding ticket and the annual cost of car insurance for a Jeep Wrangler jumps again to an average of $1,922. That’s an increase of $729, or $61 per month, just for not keeping your driving record clean!

Cheap Jeep Wrangler insurance quotes

There are many ways to purchase car insurance in New Hampshire, but the most prevalent are through an exclusive agency such as Auto-Owners or State Farm, an independent agent, or from a direct company like Geico or Progressive.

All three ways can provide car insurance quotes, but each is different in how they work.

Independent agencies write for multiple companies and can quote your policy with each one. These agents are not limited to a single company and can give you more rates, which can help you get more bang for your buck. If they quote lower rates, your policy is moved internally which prevents you from having to switch agents.

A captive or exclusive agent is only able to write with a single insurance company, for example Farmers Insurance or State Farm agents. Exclusive agents cannot shop your coverage around, so if finding the cheapest car insurance is your goal, you will want to shop around.

Buying from a direct company means do not use an agent and instead buy direct online or over the phone from a company like Geico or Esurance. Buying direct may be good for drivers who do not have complex finances and know more than average about the limitations of their policy.

What is the best method to buy the cheapest insurance for a Jeep Wrangler in New Hampshire? The majority of car insurance shoppers assume that buying from a direct car insurance company saves money since there is no middleman, but in reality, that is not true. It would also be easy to say using an independent agent results in the best rates because they can shop around, but that idea is not necessarily true either. In many circumstances, exclusive agencies have really good rates that are well below what direct and independents offer.

Since car insurance rates vary so much, the best method to make sure you’re not overpaying for car insurance is to get rate quotes and compare. Make the effort to get price quotes all three ways to get a good idea who is cheapest. For a list of companies with some of the cheapest New Hampshire car insurance rates, click here to view.

How to find the cheapest insurance for a Jeep Wrangler in New Hampshire

The list below summarizes many penny-pinching ideas that can help drivers locate lower-cost car insurance.

• Increase physical damage deductibles
• Violations like speeding or DUI increase rates
• Good credit scores may make rates cheaper
• Prevent rate increases by staying accident-free
• Insure your home and auto with the same company
• If possible, pay for small claims out-of-pocket
• Shop around for lower rates once a year

The last item on the list is especially significant, as was stressed in the prior information. Prices charged by car insurance companies go up and down frequently, so drivers shouldn’t be reluctant to buy a different policy if a lower price can be found.

Having a favorite company is great, but we do not recommend it if that devotedness results in you overpaying big bucks every year. Take a few minutes and shop around and find cheaper car insurance for a Jeep Wrangler.