Save Money on Jeep Wrangler Insurance in Philadelphia

Insurance quote for Jeep Wrangler in PhiladelphiaIf you’re shopping for lower-cost insurance online, are you overwhelmed by the number of auto insurance companies available to you? You’re not alone. Pennsylvania people have so many companies available that it can easily become a burden to find the lowest price for Jeep Wrangler insurance in Philadelphia. If you’ve ever been there, you know that Philadelphia is a great city to raise a family in, but expensive auto insurance rates can make it nearly impossible to afford.

It’s an obvious assumption that car insurance companies want to prevent you from shopping around. Insureds who compare other prices are very likely to buy a new policy because the odds are good of finding a lower-cost company. Remarkably, a study showed that consumers who routinely shopped around saved over $3,400 over four years compared to policyholders who don’t regularly compare prices.

If finding the cheapest price on auto insurance is your ultimate goal, then understanding how to get rate quotes and compare insurance premiums can make the process more efficient.

If you are insured now, you should be able to find better prices using the concepts covered in this article. Quoting and comparing the best-priced protection in Philadelphia is not as difficult as people think. But Pennsylvania car owners can benefit from knowing how the larger insurance companies determine what you pay and use it to find better rates.

When quoting car insurance, remember that quoting more will increase your chances of finding more affordable insurance.

The providers in the list below offer quotes in Philadelphia, PA. If multiple providers are shown, it’s a good idea that you click on several of them in order to find the cheapest rates.

You may qualify for discounts for Jeep Wrangler insurance in Philadelphia

Auto insurance is neither fun to buy or cheap, but there’s a good chance there are discounts that may help make it more affordable. Some discounts will apply when you quote, but a few must be specifically requested prior to getting the savings. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.Discount auto insurance

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will help lower the cost of your policy.

The illustration below compares Jeep Wrangler auto insurance rates with and without discounts being applied to the rates. The data is based on a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, multi-car, and safe-driver discounts applied.

Insurance companies who may offer most of the discounts above are:

Before you buy a policy, ask each company or agent which credits you are entitled to. Discounts might not apply in Philadelphia. To locate providers that offer multiple discounts in Philadelphia, click this link.

Jeep Wrangler insurance coverage information

The rate table shown next outlines detailed analysis of insurance prices for Jeep Wrangler models. Having insight into how auto insurance premiums are determined is important for making smart choices when comparing insurance rates.

Jeep Wrangler Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $124 $160 $340 $20 $102 $746 $62
Wrangler Unlimited Sport 2WD 4-Dr $124 $160 $424 $26 $126 $860 $72
Wrangler Sport Islander Package 4WD 2-Dr $124 $204 $340 $20 $102 $790 $66
Wrangler Unlimited Sport 4WD 4-Dr $144 $160 $424 $26 $126 $880 $73
Wrangler Sahara 4WD 2-Dr $144 $204 $340 $20 $102 $810 $68
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $144 $160 $424 $26 $126 $880 $73
Wrangler Unlimited Sahara 2WD 4-Dr $144 $160 $424 $26 $126 $880 $73
Wrangler Rubicon 4WD 2-Dr $144 $204 $340 $20 $102 $810 $68
Wrangler Unlimited Sahara 4WD 4-Dr $144 $204 $424 $26 $126 $924 $77
Wrangler Unlimited Rubicon 4WD 4-Dr $162 $204 $424 $26 $126 $942 $79
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in vehicle location which can modify premiums noticeably.

Policy deductible comparison

A question often asked by Philadelphia drivers is where to set your physical damage deductibles. The rates below can help illustrate the rate difference of buying low and high comp and collision deductibles. The first price estimate table uses a $250 deductible and the second set of prices uses a $500 deductible.

Jeep Wrangler insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $222 $276 $330 $20 $98 $971 $81
Wrangler Unlimited Sport 2WD 4-Dr $222 $276 $412 $24 $124 $1,083 $90
Wrangler Sport Islander Package 4WD 2-Dr $222 $352 $330 $20 $98 $1,047 $87
Wrangler Unlimited Sport 4WD 4-Dr $254 $276 $412 $24 $124 $1,115 $93
Wrangler Sahara 4WD 2-Dr $254 $352 $330 $20 $98 $1,079 $90
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $254 $276 $412 $24 $124 $1,115 $93
Wrangler Unlimited Sahara 2WD 4-Dr $254 $276 $412 $24 $124 $1,115 $93
Wrangler Rubicon 4WD 2-Dr $254 $352 $330 $20 $98 $1,079 $90
Wrangler Unlimited Sahara 4WD 4-Dr $254 $352 $412 $24 $124 $1,191 $99
Wrangler Unlimited Rubicon 4WD 4-Dr $288 $352 $412 $24 $124 $1,225 $102
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Jeep Wrangler insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $180 $222 $330 $20 $98 $850 $71
Wrangler Unlimited Sport 2WD 4-Dr $180 $222 $412 $24 $124 $962 $80
Wrangler Sport Islander Package 4WD 2-Dr $180 $284 $330 $20 $98 $912 $76
Wrangler Unlimited Sport 4WD 4-Dr $206 $222 $412 $24 $124 $988 $82
Wrangler Sahara 4WD 2-Dr $206 $284 $330 $20 $98 $938 $78
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $206 $222 $412 $24 $124 $988 $82
Wrangler Unlimited Sahara 2WD 4-Dr $206 $222 $412 $24 $124 $988 $82
Wrangler Rubicon 4WD 2-Dr $206 $284 $330 $20 $98 $938 $78
Wrangler Unlimited Sahara 4WD 4-Dr $206 $284 $412 $24 $124 $1,050 $88
Wrangler Unlimited Rubicon 4WD 4-Dr $234 $284 $412 $24 $124 $1,078 $90
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in vehicle garaging location which can increase or decrease premiums considerably.

Based on the figures above, using a $250 deductible costs roughly $11 more each month or $132 annually averaged for all Wrangler models than selecting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claims, you would save more money if you choose a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $92
Average monthly premium for $500 deductibles (subtract): – $81
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

An important thing to remember is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. That will necessitate enough extra money in the event you have to pay more to get your vehicle repaired.

The illustration below illustrates how your choice of deductibles and can impact Jeep Wrangler insurance costs for different age categories. The prices are based on a single male driver, full coverage, and no policy discounts are applied.

Safe drivers pay less for auto insurance

The chart below illustrates how speeding tickets and at-fault claims can increase Jeep Wrangler auto insurance costs for different insured age categories. The prices are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Gender-based auto insurance premiums

The illustration below visualizes the comparison of Jeep Wrangler premium costs for male and female drivers. The price estimates are based on no claims or violations, full physical damage coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.

Rate comparison of full coverage and liability-only

The diagram below illustrates the difference between Jeep Wrangler auto insurance rates with and without full coverage. The premiums are based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

When to eliminate full coverage

There is no clear-cut rule for phasing out full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Jeep Wrangler replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying your deductible. If it’s costing you more than $300 a year for your policy with full coverage, then it may be the right time to buy liability only.

There are a few cases where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Comparing rates from local Philadelphia insurance agencies

Certain consumers still prefer to talk to an insurance agent and there is nothing wrong with that. A good thing about comparing rates online is that you can obtain cheap auto insurance rates and still buy from a local agent.

Insurance agency in PhiladelphiaTo help locate an agent, after submitting this form (opens in new window), your coverage information is submitted to local insurance agents in Philadelphia that can give you free Philadelphia car insurance quotes for your insurance coverage. You never need to search for an agent because prices are sent to you instantly. Get lower rates without a big time investment. If you have a need to get a rate quote for a specific company, you can always jump over to their website and complete a quote there.

Finding the right provider needs to be determined by more than just the price. These questions are important to ask:

If you would like to find a reliable insurance agent, you need to know there are two types of agencies and how they operate. Philadelphia agents are considered either exclusive or independent (non-exclusive).

Exclusive Auto Insurance Agents

These agents can only write with one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to provide rate quotes from other companies so they have to upsell other benefits. These agents are well schooled in insurance sales which helps them compete with independent agents. Consumers often choose to use a exclusive agent partially due to loyalty to the company rather than low price.

The following are Philadelphia exclusive agents willing to provide price quote information.

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Independent Auto Insurance Agencies

Agents in the independent channel can sell policies from many different companies so they can write business with many different companies enabling the ability to shop coverage around. If prices rise, the business is moved internally and you don’t have to do anything.

When comparing auto insurance prices, you should always get several quotes from a couple of independent agencies in order to compare the most rates. Many write coverage with mutual insurance companies which could offer lower prices.

Listed below is a short list of independent agents in Philadelphia willing to provide price quotes.

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If you receive positive feedback to any questions you may have as well as a affordable price, you may have just found a car insurance agent that meets the criteria to insure your vehicles. Just be aware that once you purchase a policy you can cancel your policy whenever you want so never feel that you are obligated to a specific agent for the entire policy term.

It’s not one size fits all

Always keep in mind that when comparing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.Drive safe and save

For example, these questions can help discover if your situation will benefit from professional help.

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Specifics of your insurance policy

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, hail damage, falling objects, rock chips in glass and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other people or property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 15/30/5 that translate to a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.

Liability coverage protects against claims such as medical expenses, medical services, pain and suffering, structural damage and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford. Pennsylvania requires drivers to carry at least 15/30/5 but it’s recommended drivers buy higher limits.

The next chart shows why minimum state limits may not provide adequate coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Wrangler.

Since a lot of drivers have only the minimum liability required by law (15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, backing into a parked car, hitting a parking meter, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible on your Wrangler to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as prosthetic devices, nursing services, chiropractic care and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

People leave their current company for any number of reasons including delays in paying claims, extreme rates for teen drivers, unfair underwriting practices or not issuing a premium refund. It doesn’t matter why you want to switch finding the right insurance provider can be less work than you think.

When getting Philadelphia car insurance quotes online, you should never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced collision coverage to discover at claim time that it was a big error on their part. Your focus should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

We just showed you some good ideas how to save on Jeep Wrangler insurance in Philadelphia. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding affordable Jeep Wrangler insurance quotes. Consumers could even find that the biggest savings come from an unexpected company.

Additional information can be read at the links below