How many years has it been since you compared the cheapest auto insurance rates in Cincinnati, OH? Cincinnati buyers have options when searching for the best price on Jeep Wrangler insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the best way to price shop coverage for a new or used Jeep and get the cheapest rates.
It’s shocking but most consumers kept their policy with the same company for well over three years, and roughly 40% of drivers have never compared rates with other companies. Many drivers in Ohio could pocket as much as 55% a year, but most tend to underestimate the amount of money they would save if they just switched companies.
You should take the time to quote other rates periodically because insurance prices go up and down regularly. Despite the fact that you may have had the best deal on Jeep Wrangler insurance in Cincinnati on your last policy a different company probably has better premium rates today. There are a lot of ways to save on Wrangler insurance online but in a few minutes you can learn some excellent ideas to save money.
Getting more affordable Jeep Wrangler insurance pricing is an easy way to save money. All that’s required is to spend a little time to get quotes from online providers.
The providers in the list below have been selected to offer free rate quotes in Cincinnati, OH. To buy cheap auto insurance in OH, we suggest you get price quotes from several of them to get the cheapest price.
Don’t neglect these discounts
Insurance is easily one of your largest bills, but you may qualify for discounts that could drop your premiums quite a bit. Certain credits will be shown when you get a quote, but some must be inquired about prior to getting the savings. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.
- Drivers Education – Require your teen driver to participate in a local driver’s education class in high school.
- Passenger Safety Discount – Factory options such as air bags or motorized seat belts could see savings of 20% or more.
- Distant Student Discount – Youth drivers living away from Cincinnati attending college and leave their car at home can receive lower rates.
- Membership in Organizations – Joining specific professional or occupational memberships or organizations could earn you a nice discount when shopping for insurance.
- Active Service Discounts – Being deployed with a military unit can result in better prices.
One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Even though it appears all the discounts add up to a free policy, you won’t be that lucky.
The diagram below shows the difference between Jeep Wrangler car insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, safe-driver, homeowner, and claim-free discounts applied.
Insurance companies that may offer policyholders these money-saving discounts may include but are not limited to:
When comparing rates, check with all companies you are considering to give you their best rates. Savings might not be offered in your area.
Premium rates and analysis
The information displayed below highlights estimates of insurance coverage prices for Jeep Wrangler models. Knowing how rate quotes are determined can be of help when making informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$114||$142||$234||$14||$70||$574||$48|
|Wrangler Unlimited Sport 2WD 4-Dr||$114||$142||$292||$18||$88||$654||$55|
|Wrangler Sport Islander Package 4WD 2-Dr||$114||$180||$234||$14||$70||$612||$51|
|Wrangler Unlimited Sport 4WD 4-Dr||$130||$142||$292||$18||$88||$670||$56|
|Wrangler Sahara 4WD 2-Dr||$130||$180||$234||$14||$70||$628||$52|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$130||$142||$292||$18||$88||$670||$56|
|Wrangler Unlimited Sahara 2WD 4-Dr||$130||$142||$292||$18||$88||$670||$56|
|Wrangler Rubicon 4WD 2-Dr||$130||$180||$234||$14||$70||$628||$52|
|Wrangler Unlimited Sahara 4WD 4-Dr||$130||$180||$292||$18||$88||$708||$59|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$146||$180||$292||$18||$88||$724||$60|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in specific zip code location which can affect rates significantly.
When comparing car insurance rates, the most common question is how high should your deductibles be. The rates shown below can help show the differences in price when you select higher and lower physical damage deductibles. The first set of rates uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$170||$226||$226||$14||$68||$729||$61|
|Wrangler Unlimited Sport 2WD 4-Dr||$170||$226||$284||$16||$84||$805||$67|
|Wrangler Sport Islander Package 4WD 2-Dr||$170||$290||$226||$14||$68||$793||$66|
|Wrangler Unlimited Sport 4WD 4-Dr||$196||$226||$284||$16||$84||$831||$69|
|Wrangler Sahara 4WD 2-Dr||$196||$290||$226||$14||$68||$819||$68|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$196||$226||$284||$16||$84||$831||$69|
|Wrangler Unlimited Sahara 2WD 4-Dr||$196||$226||$284||$16||$84||$831||$69|
|Wrangler Rubicon 4WD 2-Dr||$196||$290||$226||$14||$68||$819||$68|
|Wrangler Unlimited Sahara 4WD 4-Dr||$196||$290||$284||$16||$84||$895||$75|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$220||$290||$284||$16||$84||$919||$77|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$94||$120||$226||$14||$68||$522||$44|
|Wrangler Unlimited Sport 2WD 4-Dr||$94||$120||$284||$16||$84||$598||$50|
|Wrangler Sport Islander Package 4WD 2-Dr||$94||$152||$226||$14||$68||$554||$46|
|Wrangler Unlimited Sport 4WD 4-Dr||$108||$120||$284||$16||$84||$612||$51|
|Wrangler Sahara 4WD 2-Dr||$108||$152||$226||$14||$68||$568||$47|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$108||$120||$284||$16||$84||$612||$51|
|Wrangler Unlimited Sahara 2WD 4-Dr||$108||$120||$284||$16||$84||$612||$51|
|Wrangler Rubicon 4WD 2-Dr||$108||$152||$226||$14||$68||$568||$47|
|Wrangler Unlimited Sahara 4WD 4-Dr||$108||$152||$284||$16||$84||$644||$54|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$122||$152||$284||$16||$84||$658||$55|
|Get Your Own Custom Quote Go|
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific location information which can influence rates greatly.
Using the data above, we can ascertain that using a $100 deductible will cost you roughly $19 more each month or $228 a year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 47 months between claim filings, you would more than likely save some money going with the higher deductible.
Irresponsible driving raises your rates
The information below highlights how traffic violations and at-fault accidents influence Jeep Wrangler yearly insurance costs for different age categories. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
Cost difference between full coverage and liability
The diagram below illustrates the comparison of Jeep Wrangler premium costs with and without physical damage coverage. The costs are based on no violations or claims, $250 deductibles, single status, and no discounts are applied.
When to switch to liability coverage only
There is no exact rule to stop buying physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Jeep Wrangler replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If you are paying over $800 annually to have full coverage, then it could be time to drop full coverage.
There are some circumstances where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Exclusive versus independent insurance agencies
A lot of people just want to sit down and talk to an agent and that is a smart decision Professional insurance agents can help you choose the best coverages and help in the event of a claim. One of the benefits of comparing insurance prices online is that drivers can save money and get lower rates but still work with a licensed agent.
Once you complete this simple form, the coverage information is sent to companies in Cincinnati who want to provide quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies since price quotes are sent to you. If you have a need to get a rate quote from a specific insurance company, just navigate to their website to submit a rate quote request.
Picking the best provider shouldn’t rely on just a cheap price quote. These are some valid questions you should ask.
- How long has the business existed?
- What is the agency’s Better Business Bureau rating?
- Where are claims handled?
- If they are an independent agency in Cincinnati, which companies do they recommend?
- Will the company cover a rental car if your car is getting fixed?
- Is their price quote a firm figure or are their hidden costs?
- Do they offer accident forgiveness?
- Can you choose the body shop in case repairs are needed?
If you want to buy insurance from a reputable insurance agent or broker, it’s helpful to know the different agency structures that differ in how they can insure your vehicles. Agencies in Cincinnati may be either exclusive or independent agents depending on their company appointments. Either type can insure your vehicles properly, but it is important to understand the difference in the companies they write for since it can impact your selection of an agent.
Agents that elect to be exclusive can only place business with one company such as Allstate, State Farm and Farmers Insurance. They are unable to shop your coverage around so they really need to provide good service. These agents receive a lot of sales training in insurance sales and that can be a competitive advantage. Some consumers prefer to use the same exclusive agent primarily because of the brand name and the convenience of having a single billing for all their coverages.
Listed below are Cincinnati exclusive insurance agents willing to provide price quotes.
- Mike Albrinck – State Farm Insurance Agent
9018 Reading Rd – Cincinnati, OH 45215 – (513) 563-9099 – View Map
- Beth Wilker – State Farm Insurance Agent
8406 Winton Rd – Cincinnati, OH 45231 – (513) 521-0884 – View Map
- Rick Brown – State Farm Insurance Agent
3593 Westwood Northern Blvd – Cincinnati, OH 45211 – (513) 662-3593 – View Map
Independent Insurance Agencies
These type of agents can quote rates with many companies so as a result can place your coverage with an assortment of companies and get you the best rates possible. If premiums increase, the business is moved internally which is easy for the insured.
When comparing rates, it’s a good idea to get several quotes from independent agents so that you have a good selection of quotes to compare. Most can insure with small regional insurance companies which could offer lower prices.
Below are independent insurance agents in Cincinnati willing to provide price quote information.
- United Heartland Insurance Agencies
6701 Ruwes Oak Dr – Cincinnati, OH 45248 – (513) 896-5555 – View Map
- Iori Insurance Agency
3310 Westbourne Dr – Cincinnati, OH 45248 – (513) 661-2445 – View Map
- Dwyer Insurance Agency
3356 N Bend Rd – Cincinnati, OH 45239 – (513) 389-4100 – View Map
You are unique and your insurance should be too
When choosing proper insurance coverage for your personal vehicles, there is no one-size-fits-all type of policy. Everyone’s situation is a little different so your insurance needs to address that.
For instance, these questions might point out whether or not you might need an agent’s assistance.
- Is my son or daughter covered when driving my car?
- Am I covered if hit by an uninsured driver?
- Do I have coverage if my license is suspended?
- Why am I be forced to buy a membership to get insurance from some companies?
- If I use my vehicle for business use is it covered?
- Does rental coverage apply when I am renting a car?
If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Eight Tips to Get More Affordable Cincinnati Insurance Premiums
Smart consumers have a good feel for the rating factors that aid in calculating your car insurance rates. If you understand what determines base rates, this allows you to make good choices that can help you get better car insurance rates. Many things are used in the calculation when premium rates are determined. Some are pretty understandable such as your driving history, but other criteria are more transparent such as whether you are married or your commute time.
- Your spouse saves you money – Having a wife or husband can actually save you money when buying car insurance. It means you’re more responsible and statistics show married drivers tend to have fewer serious accidents.
- Annual mileage and car insurance prices – The more you drive every year the more it will cost to insure it. Most companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars that sit idle most of the time get more affordable rates than those that get driven frequently. Incorrect rating for your Wrangler may be wasting your money. It’s always a good idea to double check that your car insurance policy reflects the proper vehicle usage, because improper ratings can cost you money.
- Your location is important – Living in a small town may provide you with better prices if you are looking for the lowest rates. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated Ohio areas have congested traffic and much longer commute distances. Longer commute distances means more chance of being in an accident.
- Cheaper car insurance rates using GPS tracking and theft deterrents – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
Performance impacts premiums – The type of car or truck you drive makes a significant difference in your rates. Economy passenger cars usually are quite affordable to insure, but there are many factors that impact the final cost.
The chart below is based on a single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It shows Jeep Wrangler rates compared to other models that have different risk factors.
Men tend to take more risk – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Both genders get in auto accidents at a similar rate, but the male of the species tend to have higher claims. Men also statistically get higher numbers of serious violations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and therefore pay the highest rates.
The chart below illustrates the difference between Jeep Wrangler insurance costs for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
- Defend yourself with liability insurance – The liability coverage on your policy will afford coverage if you are ruled to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost a lot. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
- Save by driving safer cars – Cars with high safety ratings cost less to insure. Vehicles built for safety protect occupants better and reduced instances of injuries means less money paid by your insurance company passed on to you as lower rates. If the Jeep Wrangler is rated at least four stars on Safercar.gov you may qualify for a discount.
Loss probability for a Jeep Wrangler – Car insurance companies use past loss statistics for each vehicle when determining insurance rates. Models that have higher prevalence or dollar amount of losses will be charged more to insure. The data below shows the actual insurance loss data for Jeep Wrangler vehicles.
For each policy coverage, the loss probability for all vehicles compiled together is a value of 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers above 100 indicate more frequent claims or an increased probability of a larger loss.
Car Insurance Loss Data for Jeep Wrangler Models Vehicle 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 120BETTERAVERAGEWORSE
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Why insurance is not optional
Despite the potentially high cost of Jeep Wrangler insurance, maintaining insurance serves several important purposes.
- Most states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability insurance in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Jeep, more than likely the lender will require you to have full coverage to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your Jeep at a significantly higher premium and force you to reimburse them for the expensive policy.
- Insurance protects both your vehicle and your assets. It will also cover medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having insurance are definitely more than the cost, especially if you ever need it. The average driver in Ohio is overpaying more than $865 each year so compare rate quotes once a year at a minimum to save money.
Cheaper insurance rates are out there
Throughout this article, we presented quite a bit of information on how to lower your Jeep Wrangler insurance premium rates in Cincinnati. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive Cincinnati auto insurance quotes. Drivers may even discover the lowest premium rates come from a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.
As you quote Cincinnati auto insurance, make sure you don’t reduce coverage to reduce premium. In many cases, an insured cut full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.
Steps to quoting cheaper Jeep Wrangler insurance in Cincinnati
It takes a little time, but the best way to get more affordable Jeep Wrangler insurance is to compare prices once a year from providers in Cincinnati.
- First, spend some time learning about car insurance and the factors you can control to prevent expensive coverage. Many rating criteria that are responsible for high rates like getting speeding tickets and a less-than-favorable credit rating can be improved by improving your driving habits or financial responsibility.
- Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can quote rates from multiple insurance companies. View insurance agents
- Third, compare the new rate quotes to your current policy and see if you can save money. If you find a better price, verify that coverage does not lapse between policies.
The most important part of shopping around is to make sure you enter the same amount of coverage on each quote and and to look at as many companies as feasibly possible. Doing this enables an apples-to-apples comparison and the best price selection.
For more information, link through to the articles below:
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has Affordable Cincinnati Auto Insurance Quotes for Uninsured Drivers? (FAQ)
- What Insurance is Cheapest for High Risk Drivers in Cincinnati? (FAQ)
- How Much is Car Insurance for a Toyota Tacoma in Cincinnati? (FAQ)
- How Much is Auto Insurance for 4×4 Vehicles in Cincinnati? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Camry in Cincinnati? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Older Driver Statistics (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)