Compare Jeep Wrangler Insurance Rate Quotes in Scottsdale

If your goal is the lowest price, then the best way to find low-cost Jeep Wrangler insurance in Scottsdale is to regularly compare prices from insurers in Arizona.

1. Take a little time to learn about how companies set rates and the changes you can make to prevent high rates. Many risk factors that cause rate increases such as multiple speeding tickets and a bad credit rating can be eliminated by being financially responsible and driving safely.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Allstate, while independent agents can quote rates from multiple sources. View rates
3. Compare the quotes to your existing policy and determine if cheaper Wrangler coverage is available in Scottsdale. If you can save some money and make a switch, verify that coverage does not lapse between policies.
4. Give notification to your current company of your decision to cancel the current policy. Submit a down payment along with a completed application to the new insurer. Once coverage is bound, keep your new certificate verifying coverage with the vehicle registration.

A key point to remember is to make sure you’re comparing the same coverage limits and deductibles on every price quote and and to get rate quotes from all possible companies. Doing this ensures an accurate price comparison and maximum price selection.

Smart shoppers know that auto insurance companies don’t want you comparing rates. Consumers who shop around for the cheapest price are very likely to switch companies because there is a high probability of finding a cheaper policy. A recent survey found that consumers who made a habit of comparing rates saved about $850 each year compared to people who never shopped around.

If finding the cheapest price for auto insurance in Scottsdale is the reason for your visit, understanding how to get price quotes and compare coverages can make the process less intimidating.

When quoting car insurance, remember that obtaining a wide range of quotes will improve the odds of getting lower pricing. Not every company provides online rate quotes, so you need to compare prices from the smaller companies as well.

The companies shown below have been selected to offer comparison quotes in Arizona. If multiple companies are listed, it’s highly recommended you visit two to three different companies to find the most competitive car insurance rates.

Car insurance statistics and figures

The rate information shown next highlights different coverage prices for Jeep Wrangler models. Learning a little about how insurance policy rates are determined can help drivers make decisions on the best policy coverages.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific Scottsdale garaging location which can alter premiums substantially.

Car insurance deductibles

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The following tables may help you to understand the differences in price when you choose different policy deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in zip code location which can revise premiums significantly.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $17 more each month or $204 for a full year than selecting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 24 months between claim filings, you would more than likely save some money if you choose the higher deductible.

The information below highlights how deductible choice and can change Jeep Wrangler insurance premiums for different age groups of insureds. The rates are based on a single female driver, full coverage, and no other discounts are factored in.

Choosing the best Jeep vehicle insurance in Arizona is an important decision

Despite the fact that insurance is not cheap in Scottsdale, insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

• The majority of states have minimum liability requirements which means you are required to carry specific minimum amounts of liability insurance in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Jeep Wrangler has a loan, almost all lenders will stipulate that you have full coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Jeep at a more expensive rate and require you to pay for the expensive policy.
• Insurance protects not only your Jeep but also your assets. Insurance will pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If you have damage to your Jeep as the result of the weather or an accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your Wrangler more than cancel out the cost, particularly when you have a large claim. But the average American driver is wasting up to $865 each year so you should quote rates at least once a year to save money.

Choices You Make Can Impact Your Insurance Costs

Lots of things are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving record, although others are not quite as obvious like your continuous coverage and annual miles driven.

The list below includes a partial list of the pieces car insurance companies consider when setting your rate level.

Alarms and GPS tracking lowers rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft and help lower rates.

How your age affects premiums – Youthful drivers in Arizona have a tendency to be less responsible when driving so car insurance rates are higher. If you’ve ever had to add a teen driver onto your car insurance can really hurt. Older drivers are more cautious drivers, cost insurance companies less in claims, and usually have better credit.

The data below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Bundle and save – Most car insurance companies apply a discount to clients who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to compare Jeep Wrangler rates in Scottsdale to confirm you are receiving the best rates possible. Consumers may find better rates by buying car insurance from a different company.

Pay more for higher performance vehicles – The make and model of the vehicle you need to insure makes a big difference in how high your rates are. Lower performance four cylinder passenger cars usually have the lowest rates, but many other things help determine your insurance rates.

The chart below assumes a single female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It compares Jeep Wrangler insurance rates compared to other models that have a range of performances.

Long commutes cost more – The more you drive each year the more you’ll pay to insure your vehicle. A lot of insurance companies calculate prices based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than cars that get driven a lot. Double check that your declarations sheet states annual mileage, because it can save money. Incorrect rating for your Wrangler may be wasting your money.

Insurance loss data for Jeep Wrangler vehicles – Insurers include the past claim trends for vehicles to calculate a rate that will offset losses. Models that the data shows to have a higher amount or frequency of claims will have a higher premium rate. The next table illustrates the loss history for Jeep Wrangler vehicles.

For each insurance policy coverage type, the statistical loss for all vehicles as a whole is equal to 100. Numbers under 100 suggest losses that are better than average, while percentage numbers above 100 indicate frequent claims or larger claims.

Scottsdale auto insurance companies

Choosing the highest-rated auto insurance provider is hard considering how many choices there are in Scottsdale. The ranking data shown below can help you decide which auto insurers you want to consider putting your business with.

Top 10 Scottsdale Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

Top 10 Scottsdale Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

One last thing to lower rates

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, drivers have reduced full coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, not issuing a premium refund and denial of a claim. It doesn’t matter what your reason, finding a new auto insurance company is less work than it seems.

Low-cost Jeep Wrangler insurance in Scottsdale is definitely available from both online companies as well as from independent agents in Scottsdale, and you should compare rates from both to have the best chance of lowering rates. Some companies don’t offer rates over the internet and many times these regional carriers sell through local independent agents.

More learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Institute)
• How Much is Auto Insurance for a Jeep Grand Cherokee in Scottsdale? (FAQ)
• Who Has the Cheapest Auto Insurance for Teenagers in Scottsdale? (FAQ)
• What Auto Insurance is Cheapest for a Ford Fusion in Scottsdale? (FAQ)
• Vehicle Insurance in the U.S. (Wikipedia)
• Safety Belts FAQ (iihs.org)