How long has it been since you compared cheaper Jeep Wrangler insurance in Houston? Having to pay for high-priced auto insurance in Houston can diminish your accounts and maybe even restrict other spending.
Inconceivable but true, most auto insurance customers kept their policy with the same company for more than four years, and nearly half have never even compared quotes to find cheap rates. Many drivers in Houston can save hundreds of dollars each year just by getting comparison quotes, but most just don't grasp how much they could save if they switched to a more affordable policy. Consumers have so many insurers to choose from, and although it's nice to have a choice, more options can take longer to get the best deal for Jeep Wrangler insurance in Houston.
It's smart to get comparison quotes once or twice a year because insurance rates go up and down regularly. If you had the best deal on Jeep Wrangler insurance in Houston a year ago there is a good chance you can find better prices now. Ignore everything you know about auto insurance because we're going to show you one of the best ways to remove unneeded coverages and save money.
Most companies like State Farm, GEICO and Progressive allow you to get insurance quotes on their websites. Getting Jeep Wrangler insurance prices online is fairly simple as all you need to do is type in the coverages you want into the quote form. When complete, their system gets your driving and credit reports and returns a price quote based on these factors. Quoting online for Jeep Wrangler insurance in Houston makes it simple to compare prices and it's necessary to get many rate quotes in order to get the cheapest possible prices on insurance.
To quickly find out how much you can save on insurance, compare rates now from the companies shown below. If you have your current policy handy, we recommend you duplicate the coverage information just like they are on your policy. This way, you're receiving a rate comparison for similar coverage.
The companies shown below have been selected to offer free rate quotes in Houston, TX. To locate cheap car insurance in Houston, TX, we recommend you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$246||$374||$400||$24||$120||$1,164||$97|
|Wrangler Unlimited Sport 2WD 4-Dr||$200||$290||$620||$36||$186||$1,332||$111|
|Wrangler Sport Islander Package 4WD 2-Dr||$122||$212||$358||$22||$108||$822||$69|
|Wrangler Unlimited Sport 4WD 4-Dr||$176||$196||$486||$28||$146||$1,032||$86|
|Wrangler Sahara 4WD 2-Dr||$206||$322||$430||$26||$128||$1,112||$93|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$364||$468||$642||$38||$192||$1,704||$142|
|Wrangler Unlimited Sahara 2WD 4-Dr||$140||$166||$448||$26||$134||$914||$76|
|Wrangler Rubicon 4WD 2-Dr||$206||$322||$400||$24||$120||$1,072||$89|
|Wrangler Unlimited Sahara 4WD 4-Dr||$254||$400||$500||$30||$150||$1,334||$111|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$302||$376||$490||$30||$146||$1,344||$112|
|Get Your Own Custom Quote Go|
Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in vehicle location which can change auto insurance rates noticeably.
Auto insurance prices based on gender
The chart below compares Jeep Wrangler insurance prices for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are factored in.
Should you buy full coverage?
The information below illustrates the difference between Jeep Wrangler insurance costs with full phyical damage coverage and with liability coverage only. The rates are based on no tickets, no at-fault accidents, $250 deductibles, married female driver, and no discounts are factored in.
When to drop full coverage
There is no clear-cut rule of when to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let's say your Jeep Wrangler book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after paying your policy deductible. If you are paying more than $500 a year for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.
There are some circumstances where buying only liability insurance is not a good idea. If you haven't satisfied your loan, you are required to maintain full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should keep full coverage in place.
Slash rates with these discounts
Insurance can cost an arm and a leg, but you may be missing some discounts that you may not know about. A few discounts will be applied when you purchase, but lesser-known reductions have to be asked about before being credited.
- Claim-Free Discount - Good drivers with no accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
- Driving Data Discount - Drivers who elect to allow driving data collection to track where and when they drive by installing a telematics device such as Allstate's Drivewise and State Farm's In-Drive system might get better premium rates as long as they are good drivers.
- Active Military Service - Being on active deployment in the military could trigger a small discount.
- Discounts for Multiple Vehicles - Purchasing coverage when you have several vehicles with the same company qualifies for this discount.
- Government Employees - Active or retired federal employment can save as much as 8% but check with your company.
- Early Switch Discount - Some companies reward drivers for renewing your policy early. Ten percent is about the average savings.
- Early Payment Discounts - By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
You can save money using discounts, but some credits don't apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you're out of luck.
Some of the larger companies that may offer some of the discounts shown above include:
Before purchasing a policy, check with each company to give you their best rates. Some of the discounts discussed earlier might not apply in Houston.
Why do I need car insurance?
Despite the high cost of buying insurance for a Jeep Wrangler in Houston, buying insurance may not be optional for several reasons.
First, the majority of states have mandatory insurance requirements which means state laws require specific minimum amounts of liability insurance in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your Jeep Wrangler with a loan, almost every bank will have a requirement that you buy insurance to protect their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Jeep for a lot more money and require you to pay much more than you were paying before.
Third, insurance preserves both your assets and your car. It will also reimburse you for medical expenses incurred in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your Jeep gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of buying insurance more than offset the price you pay, particularly when you have a large claim. An average driver in America is wasting up to $830 a year so compare rates every year to help ensure money is not being wasted.
When should I contact an insurance agent?
Some people would rather talk to an insurance agent and doing so can bring peace of mind Experienced insurance agents can help you build your policy and will help you if you have claims. An additional benefit of comparing rates online is you can get cheap car insurance rates but still work with a licensed agent. Supporting neighborhood insurance agencies is definitely important in Houston.
For easy comparison, once you complete this quick form, the quote information is instantly submitted to agents in your area that can provide free Houston auto insurance quotes for your insurance coverage. There is no need to leave your computer since price quotes are sent immediately to you. If you need to get a price quote from a particular provider, you can always go to their quote page and submit a quote form there.
Pick the best auto insurance agent in Houston for you
When finding a local Houston insurance agent, you should know the different types of agents that you can select. Agents are categorized either exclusive agents or independent agents. Both types of agents can properly insure your vehicles, but we need to point out the differences because it can impact your agent selection.
Independent Agencies or Brokers
Agents that elect to be independent are not restricted to one company and that is an advantage because they can write policies through many different car insurance companies and find you the best rates. If you want to switch companies, they simply move the coverage in-house which makes it simple for you. When comparison shopping, we recommend you compare prices from several independent insurance agents in order to compare the most rates.
Featured below are independent agencies in Houston that may be able to provide comparison quotes.
Exclusive Car Insurance Agents
Agents that elect to be exclusive can only write with one company like Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so it's a take it or leave it situation. Exclusive agents receive a lot of sales training on what they offer which helps offset the inability to provide other markets.
The following is a short list of exclusive insurance agents in Houston that are able to give rate quotes.
Lucrecia Jasminoy - State Farm Insurance Agent
223 Cavalcade St - Houston, TX 77009 - (713) 884-1442 - View Map
Finding a good auto insurance agent shouldn't rely on just a cheap price. Get answers to these questions too.
- Will their companies depreciate repairs to your car based on the mileage?
- What insurance companies do they work with in Houston?
- Do they carry Errors and Omissions coverage?
- Is auto insurance their primary focus in Houston?
- Is the agency active in community causes in Houston?
- Where would glass claims be handled in Houston?