Cheapest Jeep Wrangler Insurance in Las Vegas

The best way to get budget Jeep Wrangler insurance in Las Vegas is to compare quotes once a year from insurance carriers that sell auto insurance in Nevada. Rates can be compared by following these steps.

• First, spend some time learning about coverages and the factors you can control to drop your rates. Many rating factors that cause rate increases like speeding tickets, accidents and poor credit can be improved by making small lifestyle or driving habit changes.
• Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agencies can provide prices for a wide range of insurance providers.
• Third, compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find better rates and decide to switch, make sure there is no coverage gap between policies.

A key point to remember is to compare the same liability limits and deductibles on every quote request and and to look at as many companies as you can. Doing this ensures a fair price comparison and a complete selection of prices.

Unfortunately, almost 70% of insureds in Nevada kept their coverage with the same insurance company for at least the last four years, and nearly 40% of drivers have never shopped around. Most drivers in America could save roughly 47% a year, but they don’t know the actual amount they would save if they just switched companies.

Our goal in writing this article help you learn how to compare rates easily and also save some money in the process If you are already insured, you stand a good chance to be able to cut your premiums using the ideas presented in this article. Although Nevada vehicle owners must learn how companies calculate your car insurance rates and use it to your advantage.

Insurance Rate Influencing Factors

Lots of things are part of the equation when premium rates are determined. Some are obvious such as traffic violations, but other factors are not as apparent such as whether you are married and annual miles driven.

The items below are some of the things used by companies to determine your rates.

• Premiums are affected by your address – Being located in a rural area can save you money when buying insurance. Less people corresponds to lower accident rates and lower theft and vandalism rates. Residents of big cities tend to have much more traffic and more time behind the wheel. More time on the road translates into higher accident risk.
• A good credit rating can save money – Your credit score can be a huge factor in your rate calculation. So if your credit history could use some work, you could be paying less to insure your Jeep Wrangler if you clean up your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit ratings.
• Never let your insurance expire – Driving your car without having proper coverage can get your license suspended and any future policy may cost more because you let your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance can result in fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Nevada motor vehicle department.

• Bad drivers pay high prices – Just one chargeable violation can increase the cost of insurance to the point where it’s not affordable. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Drivers who have gotten license-revoking citations like DUI or reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

  The diagram below demonstrates how traffic citations and accidents increase Jeep Wrangler insurance premiums for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

• Vehicles with better crash test results cost less to insure – Vehicles with high crash test scores cost less to insure. Safer cars protect occupants better and any reduction in injury severity means less claims paid which can result in lower premiums.

• Insurance losses for a Jeep Wrangler – Auto insurance companies factor in insurance loss information as a tool for profitable underwriting. Vehicles that the data determines to have a higher amount or frequency of claims will have higher rates for specific coverages. The table below shows the insurance loss data used by companies for Jeep Wrangler vehicles.

  For each coverage category, the claim amount for all vehicles, as an average, is set at 100. Values below 100 are indicative of better than average losses, while values over 100 point to more losses or an increased likelihood of larger losses.

  
  

  Jeep Wrangler Insurance Loss Statistics

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Jeep Wrangler 2dr SWB 4WD	54	134	71	57	52	102
  Jeep Wrangler 4dr 4WD	58	151	82	66	62	120

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Jeep Wrangler coverage analysis

The premium information shown next showcases a range of insurance costs for Jeep Wrangler models. Being aware of how prices are formulated can be of help when making informed decisions when comparing rates.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in Las Vegas which can affect premium rates considerably.

An analysis of deductible level

One of the most common auto insurance questions is what deductibles to buy. The premium rates below may aid in understanding the premium difference when you choose different physical damage coverage deductibles. The first rate table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific Las Vegas garaging location which can increase or decrease prices greatly.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $10 more each month or $120 a year across all Jeep Wrangler models than requesting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 25 months between claims, you would come out ahead going with the higher deductible.

The example below illustrates how choosing a deductible and can influence Jeep Wrangler insurance prices for different age categories. The prices are based on a single female driver, comp and collision included, and no policy discounts are applied.

Jeep Wrangler liability rates compared to full coverage

The chart below visualizes the comparison of Jeep Wrangler premium costs with full coverage compared to only the Nevada minimum liability coverage. The premium estimates are based on no violations or claims, $500 deductibles, single marital status, and no other discounts are factored in.

When to stop buying full coverage

There is no specific rule of when to eliminate full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s assume your Jeep Wrangler replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying the physical damage deductible. If premiums are more than $200 annually to have full coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Slash your car insurance rates with discounts

Companies that sell car insurance don’t always advertise every discount available very clearly, so below is a list both well-publicized in addition to some of the lesser obvious ways to save on car insurance.

• Discount for Swiching Early – A few companies offer discounts for buying a new policy prior to your current Wrangler insurance policy expiring. This discount can save up to 10%.
• Buy New and Save – Insuring a vehicle that is new can cost up to 25% less because newer vehicles are generally safer.
• Good Grades Discount – Excelling in school can save 20 to 25%. This discount can apply until age 25.
• Multi-car Discount – Buying a policy with multiple cars or trucks with the same company can get a discount on all vehicles.
• Cautious Driver Discount – Insureds without accidents can save up to 40% or more on their Las Vegas auto insurance quote compared to rates paid by drivers with frequent claims.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
• One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies permit an accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.

We need to note that some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will lower your overall bill.

The information below shows the comparison of Jeep Wrangler yearly insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims or driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, homeowner, safe-driver, and multi-policy discounts applied.

To choose insurance companies that offer the discounts shown above in Las Vegas, follow this link.

How to find a good Nevada car insurance company

Buying coverage from a high-quality car insurance provider can be rather challenging considering how many different insurance companies sell coverage in Las Vegas. The company information below could help you choose which auto insurance companies you want to consider shopping your coverage with.

Top 10 Las Vegas Car Insurance Companies Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. The General
6. Progressive
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top 10 Las Vegas Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. 21st Century – 88%
9. Liberty Mutual – 88%
10. Allstate – 88%

Cover all your bases

When you buy Las Vegas auto insurance online, it’s not a good idea to buy less coverage just to save a little money. In too many instances, someone dropped full coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at the best price, but do not skimp to save money.

We just showed you many ideas to reduce Jeep Wrangler insurance premium rates online in Las Vegas. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Low-cost Jeep Wrangler insurance in Las Vegas is attainable from both online companies and with local Las Vegas insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online rate quotes and many times these small insurance companies work with independent insurance agents.

To read more, feel free to visit the following helpful articles:

• Liability Insurance Coverage (Nationwide)
• What Auto Insurance is Cheapest for Handicapped Drivers in Las Vegas? (FAQ)
• What Auto Insurance is Cheapest for Teenagers in Las Vegas? (FAQ)
• Who Has Affordable Car Insurance Rates for Electric Cars in Las Vegas? (FAQ)
• Who Has the Cheapest Auto Insurance for a Honda CR-V in Las Vegas? (FAQ)
• Who Has Cheap Las Vegas Car Insurance Rates for Police Officers? (FAQ)
• Who Has Affordable Auto Insurance Rates for Retired Military in Las Vegas? (FAQ)
• Who Has Cheap Auto Insurance for 18 Year Olds in Las Vegas? (FAQ)
• Who Has the Cheapest Las Vegas Car Insurance for High School Students? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Drivers Over Age 50 in Las Vegas? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Toyota Highlander in Las Vegas? (FAQ)
• Frontal Crash Tests (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)