Car Insurance Rates for a Jeep Wrangler in San Francisco

Insurance rates Jeep Wrangler in San FranciscoIt’s well known that car insurance companies don’t want you shop around. Insureds who shop around for cheaper prices are very likely to move their business because there is a high probability of finding coverage at a cheaper rate. A study discovered that people who routinely compared rates saved an average of $865 annually compared to drivers who never shopped around.

If finding the lowest price for Jeep Wrangler insurance is why you’re reading this, then having some insight into how to get rate quotes and compare insurance can help simplify the task of finding more affordable coverage.

If you want to save money, the best way to get budget car insurance rates is to compare prices annually from providers in San Francisco. Rates can be compared by completing these steps.

  1. Learn about how auto insurance works and the modifications you can make to lower rates. Many things that cause rate increases like tickets, at-fault accidents, and a not-so-good credit score can be remedied by being financially responsible and driving safely.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can quote rates from multiple companies. View rates
  3. Compare the new rate quotes to your existing coverage and determine if cheaper Wrangler coverage is available in San Francisco. If you find a lower rate and change companies, make sure there is no coverage gap between policies.

An important part of this process is to make sure you enter the same amount of coverage on every price quote and and to get prices from every insurance company. Doing this provides a level playing field and a better comparison of the market.

If you have insurance now, you will definitely be able to buy cheaper car insurance using the ideas you’re about to read. Quoting and comparing rates for the most affordable car insurance in San Francisco is easy if you know what you’re doing. Nevertheless, California drivers must know how insurance companies calculate your car insurance rates because it can help you find the best coverage.

Best Jeep Wrangler insurance rate quotes in California

The companies shown below provide quotes in California. If several companies are displayed, we suggest you visit two to three different companies to get the best price comparison.

Jeep Wrangler insurance rate analysis

The table below highlights estimates of coverage prices for Jeep Wrangler models. Having a good grasp of how car insurance premiums are established is important for drivers to make informed decisions when comparing rate quotes.

Jeep Wrangler Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $180 $268 $534 $32 $160 $1,174 $98
Wrangler Unlimited Sport 2WD 4-Dr $180 $268 $668 $40 $200 $1,356 $113
Wrangler Sport Islander Package 4WD 2-Dr $180 $342 $534 $32 $160 $1,248 $104
Wrangler Unlimited Sport 4WD 4-Dr $206 $268 $668 $40 $200 $1,382 $115
Wrangler Sahara 4WD 2-Dr $206 $342 $534 $32 $160 $1,274 $106
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $206 $268 $668 $40 $200 $1,382 $115
Wrangler Unlimited Sahara 2WD 4-Dr $206 $268 $668 $40 $200 $1,382 $115
Wrangler Rubicon 4WD 2-Dr $206 $342 $534 $32 $160 $1,274 $106
Wrangler Unlimited Sahara 4WD 4-Dr $206 $342 $668 $40 $200 $1,456 $121
Wrangler Unlimited Rubicon 4WD 4-Dr $234 $342 $668 $40 $200 $1,484 $124
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in specific San Francisco garaging location which can lower or raise prices significantly.

Physical damage deductibles: Should you raise them?

When shopping for auto insurance, a common question is how high should the physical damage coverage deductibles be. The rates shown below highlight how much more rates are between low and high coverage deductibles. The first rate comparisons uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Jeep Wrangler insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $332 $442 $442 $26 $132 $1,399 $117
Wrangler Unlimited Sport 2WD 4-Dr $332 $442 $552 $32 $166 $1,549 $129
Wrangler Sport Islander Package 4WD 2-Dr $332 $564 $442 $26 $132 $1,521 $127
Wrangler Unlimited Sport 4WD 4-Dr $380 $442 $552 $32 $166 $1,597 $133
Wrangler Sahara 4WD 2-Dr $380 $564 $442 $26 $132 $1,569 $131
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $380 $442 $552 $32 $166 $1,597 $133
Wrangler Unlimited Sahara 2WD 4-Dr $380 $442 $552 $32 $166 $1,597 $133
Wrangler Rubicon 4WD 2-Dr $380 $564 $442 $26 $132 $1,569 $131
Wrangler Unlimited Sahara 4WD 4-Dr $380 $564 $552 $32 $166 $1,719 $143
Wrangler Unlimited Rubicon 4WD 4-Dr $430 $564 $552 $32 $166 $1,769 $147
Get Your Own Custom Quote Go

Jeep Wrangler insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $242 $298 $442 $26 $132 $1,140 $95
Wrangler Unlimited Sport 2WD 4-Dr $242 $298 $552 $32 $166 $1,290 $108
Wrangler Sport Islander Package 4WD 2-Dr $242 $382 $442 $26 $132 $1,224 $102
Wrangler Unlimited Sport 4WD 4-Dr $278 $298 $552 $32 $166 $1,326 $111
Wrangler Sahara 4WD 2-Dr $278 $382 $442 $26 $132 $1,260 $105
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $278 $298 $552 $32 $166 $1,326 $111
Wrangler Unlimited Sahara 2WD 4-Dr $278 $298 $552 $32 $166 $1,326 $111
Wrangler Rubicon 4WD 2-Dr $278 $382 $442 $26 $132 $1,260 $105
Wrangler Unlimited Sahara 4WD 4-Dr $278 $382 $552 $32 $166 $1,410 $118
Wrangler Unlimited Rubicon 4WD 4-Dr $314 $382 $552 $32 $166 $1,446 $121
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in specific location which can increase or decrease premium rates significantly.

Based on the figures above, using a $100 deductible costs about $23 more each month or $276 each year than buying the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 17 months between claims, you would most likely save money if you choose the higher deductible.

The diagram below demonstrates how deductibles and can increase or decrease Jeep Wrangler insurance rates for each different age group. The rates are based on a married male driver, comp and collision included, and no policy discounts are applied.

Cost of full coverage in San Francisco

The diagram below illustrates the comparison of Jeep Wrangler premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are factored in.

Should you pay for full coverage?

There is no definitive rule of when to stop paying for comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your Jeep Wrangler claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after paying the physical damage deductible. If you are currently paying more than $400 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where eliminating full coverage is not a good idea. If you still have a lienholder on your title, 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 if your current one is damaged, you should not opt for liability only.

Cheaper Jeep Wrangler insurance rates in San Francisco

Some insurers do not list all their discounts very clearly, so the following list contains some of the more common and the harder-to-find credits available to lower your premiums when you buy San Francisco car insurance online. If you aren’t receiving every discount possible, you are throwing money away.Discount car insurance

Remember that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, it’s just not the way it works.

The illustration below shows the comparison of Jeep Wrangler car insurance costs with and without discounts applied to the premium. The prices are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, multi-car, homeowner, and safe-driver discounts applied.

To see companies that can offer you the previously mentioned discounts in California, follow this link.

Informed Drivers Save on Insurance

Part of the insurance buying process is learning some of the elements that help calculate the level of your policy premiums. If you have a feel for what controls the rates you pay, this allows you to make good choices that could help you find lower rates. Many factors are used when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other factors are more transparent like your vehicle usage or how financially stable you are.

Lower comp and collision deductibles cost more – Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your Jeep. Some examples of claims that would be covered would be running into the backend of another car, collision with an animal, and windstorm damage. Deductibles for physical damage represent how much money you are willing to pay before your insurance pays a claim. The more you have to pay, the less money you will pay for insurance.

Bad credit hurts insurance rates – Having a bad credit score is a large factor in determining what you pay. If your credit score leaves room for improvement, you could pay less to insure your Jeep Wrangler by improving your rating. People that have very good credit scores tend to be more responsible and file fewer claims than those with lower credit ratings.

Premiums are high for teenagers – Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents, and usually have better credit. Drivers with little experience are statistically proven to be easily distracted when at the wheel of a vehicle so insurance rates are higher.

The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Tickets can be expensive – Good drivers receive lower rates compared to drivers with tickets. Having a single moving violation may cause rates to rise by twenty percent. Drivers who have gotten license-revoking citations like hit and run, DWI or reckless driving convictions may find that they have to to prove financial responsibility with their state motor vehicle department in order to prevent a license revocation.

The illustration below demonstrates how speeding tickets and at-fault fender-benders can affect Jeep Wrangler car insurance costs for different age groups. Data assumes a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Safer occupants lowers insurance rates – Safe vehicles are cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy.

Do you qualify for a multi-policy discount? – The majority of insurance companies provide discounts to clients who buy several policies from them in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to compare other company rates to make sure you are getting the best deal.

Claims statistics for a Jeep Wrangler – Companies factor in historical loss data to calculate a rate that offsets possible losses. Models that the data determines to have a higher amount or frequency of claims will have higher premium rates.

The next table shows the historical insurance loss data for Jeep Wrangler vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is a value of 100. Percentages below 100 indicate a favorable loss history, while numbers above 100 indicate frequent claims or a tendency for claims to be larger.

Jeep Wrangler Insurance Claim Statistics
Specific Jeep 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Get rate quotes but buy from a local neighborhood San Francisco car insurance agent

Some consumers still prefer to have an agent’s advice and often times that is recommended One of the benefits of comparing auto insurance online is the fact that drivers can get cheap auto insurance quotes and still have a local agent.

Insurance agents in San FranciscoAfter completing this quick form, your information is submitted to insurance agents in San Francisco who will return price quotes for your coverage. It’s much easier because you don’t need to contact any insurance agencies since rate quotes are delivered directly to your email. You can find the lowest rates and an insurance agent to talk to. If you wish to get a comparison quote for a specific company, don’t hesitate to visit that company’s website and fill out their quote form.

Finding the right company requires you to look at more than just a cheap price quote. Before buying a policy in San Francisco, get answers to these questions.

Multiple types of car insurance agents in San Francisco

If you are wanting to purchase auto insurance from a local San Francisco insurance agency, it helps to know the two types of agencies and how they differ in how they can insure your vehicles. Auto insurance agents are either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Exclusive insurance agents can only provide one company’s prices and some examples include Farmers Insurance, State Farm, or Allstate. They generally cannot give you multiple price quotes so you might not find the best rates. These agents are usually well trained in insurance sales and that can be a competitive advantage. Consumers frequently buy from exclusive agents partially due to loyalty to the company and solid financial strength.

The following are San Francisco exclusive insurance agents that can give you price quotes.

More insurance agents

Independent Agents (or Brokers)

Independent insurance agents are not required to write business for one company so they can quote policies amongst many companies and potentially find a lower price. If they quote lower rates, your agent can just switch to a different company and you don’t have to do anything.

If you are comparing rate quotes, we recommend you include price quotes from independent agents so that you can do a thorough price comparison. Most have the option of insuring with small regional insurance companies which can save you money.

Listed below are independent agents in San Francisco who can help you get comparison quotes.

More insurance agents

Lower rates by being persistent

We just presented many ideas to save on Jeep Wrangler insurance in San Francisco. It’s most important to understand that the more providers you compare, the better your chances of lowering your prices. You may even find the lowest premium rates are with a small mutual company.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability coverage limits and found out when filing a claim that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

Discount Jeep Wrangler insurance in San Francisco is available on the web and with local San Francisco insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide internet price quotes and most of the time these regional carriers only sell through independent agents.

More tips and info about car insurance is available by following these links: