Affordable Rate Quotes for Jeep Wrangler Insurance in San Antonio

Are you looking for a better way to compare more competitive Jeep Wrangler insurance in San Antonio? Finding cheaper prices on Jeep Wrangler insurance in San Antonio is always challenging for drivers who have little experience quoting and comparing rates online. You have so many different companies and agents to choose from that it can quickly become a burden to compare rates in Texas on Jeep Wrangler insurance.

Discount Jeep Wrangler insuranceIt’s easy to assume that auto insurance companies want to keep you from comparing prices. People who get comparison quotes once a year are likely to buy a different policy because there is a great chance of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who compared price quotes annually saved over $70 a month compared to other drivers who never shopped around for cheaper prices.

If finding the cheapest price on auto insurance is your intention, then learning about how to compare car insurance can help make the process easier.

Buying affordable auto insurance in San Antonio can be made easier if you know where to look. If you have a current auto insurance policy, you will most likely be able to reduce the price you pay using the techniques presented in this article. But Texas car owners need to have an understanding of how big insurance companies market insurance on the web and apply this information to your search.

How to buy Jeep Wrangler insurance in San Antonio

All major car insurance companies give insurance quotes on the web. Doing online quotes for Jeep Wrangler insurance in San Antonio is quite simple because you just enter the amount of coverage you want into the quote form. After you complete the form, the system automatically retrieves your credit score and driving record and returns a price quote based on these factors.

Being able to quote online for Jeep Wrangler insurance in San Antonio simplifies rate comparisons, and it’s absolutely necessary to perform this step if you are searching for a better rate.

If you want to find out if lower rates are available, compare quotes from the companies shown below. If you have a policy now, it’s recommended you complete the form with the coverages exactly as shown on your declarations page. This makes sure you will have comparison quotes using the exact same coverages.

The companies shown below provide quotes in San Antonio, TX. If the list has multiple companies, we recommend you click on several of them to find the most competitive auto insurance rates.

Earn discounts on San Antonio car insurance

Some insurance providers don’t necessarily list every discount they offer in a way that’s easy to find, so we break down a few of the more well known and the more hidden discounts you could be receiving when you buy San Antonio car insurance online.Save money with discounts

One last thing about discounts, most credits do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

The diagram below illustrates the difference between Jeep Wrangler annual premium costs with and without discounts applied. The price estimates are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, multi-car, claim-free, and homeowner discounts applied.

Larger car insurance companies and some of the premium reductions they offer can be read below.

If you want cheaper San Antonio car insurance quotes, ask every insurance company the best way to save money. Some of the discounts discussed earlier might not be offered in San Antonio. To find providers with discount car insurance rates in San Antonio, click this link.

Jeep Wrangler insurance charts and tables

The rate table below outlines a range of insurance costs for Jeep Wrangler models. Being aware of how policy rates are figured can help drivers make decisions on which coverage to buy.


Jeep Wrangler Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $274 $430 $496 $30 $148 $1,378 $115
Wrangler Unlimited Sport 2WD 4-Dr $274 $430 $620 $36 $186 $1,546 $129
Wrangler Sport Islander Package 4WD 2-Dr $274 $550 $496 $30 $148 $1,498 $125
Wrangler Unlimited Sport 4WD 4-Dr $314 $430 $620 $36 $186 $1,586 $132
Wrangler Sahara 4WD 2-Dr $314 $550 $496 $30 $148 $1,538 $128
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $314 $430 $620 $36 $186 $1,586 $132
Wrangler Unlimited Sahara 2WD 4-Dr $314 $430 $620 $36 $186 $1,586 $132
Wrangler Rubicon 4WD 2-Dr $314 $550 $496 $30 $148 $1,538 $128
Wrangler Unlimited Sahara 4WD 4-Dr $314 $550 $620 $36 $186 $1,706 $142
Wrangler Unlimited Rubicon 4WD 4-Dr $356 $550 $620 $36 $186 $1,748 $146
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific San Antonio garaging location which can revise prices substantially.

Rate comparison for different deductibles

When buying auto insurance, a common question is how low should you set your deductibles. The tables below illustrate the price difference when you choose different physical damage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.


Jeep Wrangler insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $256 $320 $382 $22 $114 $1,119 $93
Wrangler Unlimited Sport 2WD 4-Dr $256 $320 $476 $28 $142 $1,247 $104
Wrangler Sport Islander Package 4WD 2-Dr $256 $408 $382 $22 $114 $1,207 $101
Wrangler Unlimited Sport 4WD 4-Dr $294 $320 $476 $28 $142 $1,285 $107
Wrangler Sahara 4WD 2-Dr $294 $408 $382 $22 $114 $1,245 $104
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $294 $320 $476 $28 $142 $1,285 $107
Wrangler Unlimited Sahara 2WD 4-Dr $294 $320 $476 $28 $142 $1,285 $107
Wrangler Rubicon 4WD 2-Dr $294 $408 $382 $22 $114 $1,245 $104
Wrangler Unlimited Sahara 4WD 4-Dr $294 $408 $476 $28 $142 $1,373 $114
Wrangler Unlimited Rubicon 4WD 4-Dr $332 $408 $476 $28 $142 $1,411 $118
Get Your Own Custom Quote Go

Jeep Wrangler insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $208 $258 $382 $22 $114 $984 $82
Wrangler Unlimited Sport 2WD 4-Dr $208 $258 $476 $28 $142 $1,112 $93
Wrangler Sport Islander Package 4WD 2-Dr $208 $328 $382 $22 $114 $1,054 $88
Wrangler Unlimited Sport 4WD 4-Dr $240 $258 $476 $28 $142 $1,144 $95
Wrangler Sahara 4WD 2-Dr $240 $328 $382 $22 $114 $1,086 $91
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $240 $258 $476 $28 $142 $1,144 $95
Wrangler Unlimited Sahara 2WD 4-Dr $240 $258 $476 $28 $142 $1,144 $95
Wrangler Rubicon 4WD 2-Dr $240 $328 $382 $22 $114 $1,086 $91
Wrangler Unlimited Sahara 4WD 4-Dr $240 $328 $476 $28 $142 $1,214 $101
Wrangler Unlimited Rubicon 4WD 4-Dr $270 $328 $476 $28 $142 $1,244 $104
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in vehicle garaging location which can revise premium rates significantly.

We can estimate from the data above that using a $250 deductible costs roughly $12 more each month or $144 every year averaged for all Wrangler models than choosing the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 21 months between claim filings, you would probably be better off if you decide on a higher deductible. Here’s the way this determination is made.

Average monthly premium for $250 deductibles: $106
Average monthly premium for $500 deductibles (subtract): – $94
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important caveat is that a higher deductible level means you pay more out-of-pocket when you have a claim. That will force you to have some available funds in order to pay the deductible.

The illustration below demonstrates how deductible levels and can increase or decrease Jeep Wrangler yearly insurance costs for each different age category. Data assumes a single male driver, comp and collision included, and no other discounts are factored in.

Jeep Wrangler insurance rates by gender in San Antonio

The diagram below shows the comparison of Jeep Wrangler auto insurance rates for male and female drivers. The costs are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are applied to the premium.

Does it make sense to buy full coverage?

The example below shows the comparison of Jeep Wrangler yearly insurance costs with full coverage and liability only. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Guidelines for eliminating full coverage

There is no exact rule to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Jeep Wrangler book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your policy deductible. If it’s costing in excess of $200 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few cases where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Five factors that influence insurance prices

Multiple criteria are used when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but some are not quite as obvious like your continuous coverage and annual miles driven. An important part of buying insurance is that you know some of the things that are used to determine the rates you pay for auto insurance. If you know what influences your rates, this empowers consumers to make smart changes that will entitle you to lower premium levels.

Local San Antonio car insurance agents

Some people just want to talk to a local agent and there is nothing wrong with that. The best thing about comparing rates online is that you can obtain cheap car insurance quotes and still have an agent to talk to.

San Antonio insurance agentsTo help locate an agent, after submitting this quick form, your information is emailed to agents in your area who will gladly provide quotes for your business. You won’t need to visit any agencies because quoted prices will be sent to your email. You can get cheaper car insurance rates without having to waste a lot of time. If you wish to get a comparison quote from a specific car insurance provider, you just need to visit that company’s website and give them your coverage information.

Deciding on an provider requires you to look at more than just a cheap price. Here are some questions you should ask.

If you need to find a reliable insurance agent, you must know there are a couple types of agencies that you can select. Car insurance policy providers can be categorized as either exclusive agents or independent agents.

Exclusive Agencies

Agents of this type can only provide pricing for a single company and some examples include Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. A lot of people choose to use a exclusive agent partially due to high brand loyalty and the convenience of having all coverages with one company.

The following are San Antonio exclusive insurance agencies that are able to give comparison quotes.

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Independent Agencies or Brokers

These type of agents can sell policies from many different companies and that enables them to quote your coverage with any number of different companies and potentially find a lower price. If you want to switch companies, they simply switch companies in-house which requires no work on your part. When searching for an agent, you need to get insurance quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Most can insure with smaller companies which may provide better rates.

Below is a short list of independent insurance agents in San Antonio that can give you price quotes.

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Cheaper coverage is out there

Throughout this article, we presented a lot of ways to lower your Jeep Wrangler insurance prices in San Antonio. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest prices come from some of the lesser-known companies.

People switch companies for any number of reasons including delays in paying claims, questionable increases in premium, high rates after DUI convictions and lack of trust in their agent. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

When shopping online for car insurance, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to find the BEST coverage for the lowest cost while still protecting your assets.

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