Best Cheap Insurance for a Jeep Wrangler in Connecticut

The odds of finding cheap coverage for a Jeep Wrangler in Connecticut relies on an enormous amount of factors such as your age, your geographic location, and your policy deductibles. Drivers pay around $920 each year for Wrangler insurance, but that price is an approximation assuming a 30-year-old married female driver who purchased full coverage including both comprehensive and collision and $500 policy deductibles.

It’s more than likely you are not 30 and maybe not even a female, possibly single instead of married, or maybe your Connecticut zip code is rated cheaper than the example. Changing even a minor factor in the rating criteria used to formulate rates can lead to a big change in how much insurance for a Jeep Wrangler costs.

Every policy is rated specifically for the driver, so the most reliable method for finding the cheapest insurance price for your Jeep is to shop your policy around every couple of years. Quotes only take a few minutes and you can get prices from some of the cheapest companies in Connecticut.

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The trim level of your Jeep tends to impact price, so the price you will pay to insure a Wrangler Sport 4WD 2-Dr will be $238 cheaper than the price to insure the more costly Wrangler Unlimited Rubicon 4WD 4-Dr trim level, as shown in the prices below.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in specific location information which can decrease or increase price quotes noticeably.

Insuring your vehicle with a high-quality car insurance provider is hard considering how many different companies there are to choose from in Connecticut. The ranking data listed below could help you select which companies you want to consider comparing prices from. These rankings include large nationwide companies, so companies that focus mainly on Connecticut business are not included in the list.

Discounts on the best cheap insurance for a Jeep Wrangler in Connecticut

Insurers that provide coverage for a Jeep Wrangler may provide premium discounts that could reduce prices by as much as 35% if you are eligible for them. Popular insurance companies and the discounts they provide are included below.

The diagram below shows the comparison of auto insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no tickets, no at-fault accidents, Connecticut state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, marriage, anti-theft, passive restraint, homeowner, and vehicle safety discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for a Jeep Wrangler is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3133,2247],[‘Age 30’, 1681,1213],[‘Age 40’, 1611,1163],[‘Age 50’, 1481,1069],[‘Age 60’, 1439,1037],[‘Age 70’, 1815,1299]]);var options = {title: ‘Insurance Rate Comparison for a Jeep Wrangler’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The information below illustrates how choosing a deductible can change insurance costs when getting quotes for cheap insurance for a Jeep Wrangler. The costs are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3689,3387,3049,2731],[‘Age 30’, 1949,1803,1631,1463],[‘Age 40’, 1913,1759,1583,1411],[‘Age 50’, 1739,1601,1445,1293],[‘Age 60’, 1681,1549,1399,1255],[‘Age 70’, 2041,1891,1723,1565]]);var options = {title: ‘Impact of Deductible Levels on Jeep Wrangler Insurance Rates in Connecticut’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Wrangler’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could cut expenses by $330 a year by increasing from a $100 deductible to a $500 deductible, or save $502 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could shave $958 or even more by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is essential to have enough spare savings to allow you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Who has the cheapest Jeep Wrangler insurance quotes?

You have many ways to find affordable insurance in Connecticut, but the most common methods are from an independent insurance agent, a captive (or exclusive) agent like Liberty Mutual or Allstate, or direct either online or via phone.

You can use whichever method you prefer, but insurance buyers need to understand the differences in how they give price quotes.

Independent agencies are appointed by several companies and can compare coverage rates with every one. These types of agencies are not locked into one company and can provide you with more rate quotes, which may give you a better overall rate comparison. If you want to switch companies, the business is moved internally which requires no work on your part.

Exclusive agencies are contracted to one insurance company, two examples are Allstate or State Farm agents. Exclusive agents generally are unable to provide prices from multiple companies, which does not give you the best rate comparison.

Direct insurance buyers do not use local insurance agents and instead buy direct online or over the phone from a company like Progressive or Geico. This insurance option is a good choice for people who have limited assets and have knowledge of what is covered and what is not.

When shopping for insurance, which way works best for finding the best cheap insurance for a Jeep Wrangler in Connecticut? One answer would be shopping direct results in the best prices since it doesn’t require paying agent commissions, but that generally is not the case. It would also be easy to say buying from an independent agent results in the cheapest rates because you have more choices, but that is not necessarily true either. In many cases, exclusive agencies have extremely competitive rates that cannot be beaten by either independent or direct companies.

Because there are so many factors that make up insurance rates, the best method to get the cheapest rates is to get quotes and compare the rates. The best approach is to get quotes from all three in order to have enough rates to compare. For a list of companies offering online discounts, click here to view.