Searching for low-cost insurance for a new or used Jeep Wrangler in Texas can be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to buy auto insurance so we’re going to tell you the best way to compare rates for your Jeep and locate the lowest price from Austin insurance agents and online providers.
It is always a good idea to compare premium rates before your policy renews because prices are rarely the same from one policy term to another. Even if you got the best deal on Wrangler insurance a couple years back other companies may now be cheaper. Block out anything you think you know about auto insurance because I’m going to teach you how to use the internet to save on auto insurance.
Get cheap rates by taking advantage of discounts
Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. A few discounts will be applied when you complete an application, but lesser-known reductions have to be specifically requested before you get the savings.
- Discounts for Multiple Vehicles – Buying a policy with all your vehicles on a single policy can reduce rates for all insured vehicles.
- No Claims – Drivers who don’t have accidents can earn big discounts as opposed to drivers who are more careless.
- Defensive Driver – Taking time to complete a course in defensive driving could save 5% or more and easily pay for the cost of the class.
- Switch and Save Discount – Some auto insurance companies provide a discount for renewing your policy prior to your current policy expiration. You can save around 10% with this discount.
- Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save up to 5%.
- Organization Discounts – Being in a professional or civic organization can get you a small discount on your next renewal.
- One Accident Forgiven – Not necessarily a discount, but some insurance companies will allow you to have one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
- Anti-lock Brake System – Cars with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
- Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Wrangler insurance depending on your auto insurance provider.
Discounts lower rates, but most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
Companies and their possible discounts can be found below.
- State Farm offers discounts including multiple policy, anti-theft, Steer Clear safe driver discount, student away at school, and multiple autos.
- American Family may have discounts that include good driver, air bags, early bird, Steer into Savings, defensive driver, accident-free, and TimeAway discount.
- AAA may include discounts for good driver, multi-car, pay-in-full, AAA membership discount, good student, multi-policy, and anti-theft.
- GEICO may offer discounts for defensive driver, military active duty, multi-policy, good student, emergency military deployment, and federal employee.
- Mercury Insurance discounts include low natural disaster claims, multi-policy, anti-theft, accident-free, and type of vehicle.
- Farmers Insurance includes discounts for youthful driver, business and professional, alternative fuel, early shopping, bundle discounts, homeowner, and teen driver.
- Progressive offers premium reductions for homeowner, good student, online signing, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
It’s a good idea to ask every company what discounts are available to you. Depending on the company, some discounts may not be available in Austin. 
Finding a lower price on Jeep Wrangler insurance is a great way to save money. The only requirement is to take a couple of minutes comparing price quotes to see which company has . It’s really simple and can be done in several different ways.
- The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for separate quote forms for every prospective company. One simple form will get you rate comparisons instantly. This is by far the quickest method.
- A harder way to compare prices requires visiting each individual company website to request a price quote. For examples sake, we’ll pretend you want to compare Liberty Mutual, State Farm and GMAC. You would have to navigate to each company’s site and repeatedly type in your coverage information, which is why the first method is more popular.
For a list of links to insurance companies in Austin, click here.
- Even if you have time, the least recommended way to find cheaper rates is driving to all the different insurance agencies. Comparing online rate quotes reduces the need to sit down with an agent unless you prefer the personal advice that only an agent can give. If you prefer, some companies allow you to comparison shop your insurance online and get advice from an agent in your area.
You can use whichever method you prefer to find lower rates, just do your best to use equivalent coverages for every company. If you compare different values for each quote then you won’t be able to truly determine the lowest rate in Austin.
When to get professional advice
When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.
For example, these questions can help discover if your situation will benefit from professional help.
- How can I get high-risk coverage after a DUI?
- Will my rates increase for filing one claim?
- Can I drive in Mexico and have coverage?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- I have good health insurance, so how much medical payments coverage do I need?
- How do I file an SR-22 for a DUI in Texas?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.
One last thing
When searching for , you should never reduce coverage to reduce premium. There are too many instances where an accident victim reduced full coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.
Insureds leave their current company for a number of reasons such as being labeled a high risk driver, high prices, delays in paying claims and even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company can be pretty painless.
Low-cost Jeep Wrangler insurance is definitely available both online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer rates over the internet and usually these smaller providers provide coverage only through independent agents.