Want to learn how to buy cheaper Jeep Wrangler insurance in Fargo? Locating low-cost insurance for a Jeep Wrangler in North Dakota can be a lot of work, but you can learn these tips to save time.
There are more efficient ways to compare car insurance rates so you're going to learn the best way to compare rates for a Jeep and obtain the lowest price from both online companies and Fargo agents.
If you have a current insurance policy or just want cheaper coverage, use these cost-cutting techniques to find better prices without reducing protection. Quoting and comparing the lowest-priced insurance coverage in Fargo is not that difficult. You just need to learn the quickest way to compare rates from multiple carriers.
Jeep Wrangler Insurance Price Factors
An important part of buying insurance is that you know some of the things that come into play when calculating your policy premiums. If you have some idea of what influences your rates, this enables you to make decisions that can earn you big savings. Many factors are part of the equation when quoting car insurance. Some of the criteria are obvious such as traffic violations, although some other factors are more obscure like your continuous coverage and annual miles driven.
Responsible drivers pay the best prices - Being a careful driver influences premium rates substantially. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Having a single ticket can bump up the cost to the point where it's not affordable. Drivers unfortunate enough to have multiple violations such as reckless driving, hit and run or driving under the influence are required to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
Premiums are affected by your credit score - A driver's credit history can be an important factor in determining what you pay. People that have high credit ratings tend to file fewer claims and have better driving records than those with poor credit scores. Therefore, if your credit leaves room for improvement, you could save money insuring your Jeep Wrangler if you improve your credit rating.
Insurance rates in urban areas - Choosing to live in less populated areas of the country is a good thing if you are looking for the lowest rates. Fewer people means reduced accidents. People in densely populated areas have to deal with more auto accidents and longer commute times. Longer commute distances means higher likelihood of an accident.
Teenage drivers pay high rates - More experienced drivers have been proven to be more responsible, cause fewer claims and accidents, and are safer drivers.Young drivers tend to get distracted easily with other occupants in the car and because of this, their insurance rates are much higher.
Can a thief steal your car? - Owning a car with a theft deterrent system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent vehicle theft.
Jeep Wrangler claim probability - Car insurance companies use past insurance losses to calculate a rate that will offset any claims. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will have higher rates. The next table shows the actual insurance loss data for Jeep Wrangler vehicles.
For each type of coverage, the claim probability for all vehicles averaged together equals 100. Numbers shown that are under 100 indicate better than average losses, while numbers that are greater than 100 point to more losses or tendency to have larger claims.
Jeep Wrangler Insurance Loss 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 from IIHS.org for 2013-2015 Model Years
Lowering your Jeep Wrangler insurance rates doesn't have to be difficult. Consumers just need to take time to compare rate quotes to discover which company has cheaper Fargo auto insurance quotes.
The providers in the list below provide price comparisons in North Dakota. If multiple companies are shown, we suggest you click on several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$130||$174||$290||$18||$88||$700||$58|
|Wrangler Unlimited Sport 2WD 4-Dr||$126||$160||$378||$22||$114||$800||$67|
|Wrangler Sport Islander Package 4WD 2-Dr||$108||$200||$318||$18||$96||$740||$62|
|Wrangler Unlimited Sport 4WD 4-Dr||$252||$296||$386||$22||$116||$1,072||$89|
|Wrangler Sahara 4WD 2-Dr||$144||$204||$302||$18||$90||$758||$63|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$212||$234||$390||$24||$116||$976||$81|
|Wrangler Unlimited Sahara 2WD 4-Dr||$256||$348||$458||$28||$138||$1,228||$102|
|Wrangler Rubicon 4WD 2-Dr||$202||$334||$342||$20||$102||$1,000||$83|
|Wrangler Unlimited Sahara 4WD 4-Dr||$224||$380||$398||$24||$118||$1,144||$95|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$254||$366||$492||$30||$148||$1,290||$108|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in vehicle garaging location which can decrease or increase coverage prices substantially.
Can higher deductibles save money?
The information below demonstrates how deductibles and can change Jeep Wrangler annual premium costs for each age group. The prices are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Safe drivers pay cheaper rates
The illustration below demonstrates how traffic citations and accident claims can raise Jeep Wrangler car insurance costs for different ages of insureds. The price estimates are based on a single male driver, full coverage, $250 deductibles, and no additional discounts are factored in.
Are you falling for claims of savings?
Consumers in North Dakota get pounded daily by advertisements for insurance savings by companies like GEICO, State Farm and Progressive. They all convey the message that drivers can save some big amount if you get a free Fargo auto insurance quote and switch your insurance coverage to their company.
How does each company charge lower premium rates? This is the way they can do it.
Companies have a preferred profile for the right customer that will generate a profit. An example of this type of driver might be described as between the ages of 30 and 45, insures multiple vehicles, and drives a car with an anti-theft system. A driver that matches those criteria will get very good Fargo prices and will save quite a bit of money when switching.
Potential customers who cannot meet these stringent criteria may be forced to pay a more expensive rate which translates to the customer not buying. If you pay attention, the ads say "people that switch" but not "everyone who gets a quote" save that kind of money. That's the way insurance companies can make those statements.
This really illustrates why drivers should quote coverage with many companies. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest Jeep Wrangler insurance in Fargo.
It may be expensive, but it's not optional
Even though it can be expensive, paying for car insurance serves an important purpose.
First, the majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to be legal. In North Dakota 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.
Second, if you have a loan on your Wrangler, it's guaranteed your bank will force you to have full coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may insure your Jeep for a much higher rate and force you to pay the higher premium.
Third, car insurance protects your vehicle and your assets. It will also cover medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses in the event you are sued. If you have damage to your Jeep as the result of the weather or an accident, your policy will cover the repair costs.
The benefits of carrying adequate insurance greatly outweigh the cost, particularly if you ever have a claim. The average driver in North Dakota overpays more than $865 each year so you should quote and compare rates each time the policy renews to save money.
Earn discounts to get lower-cost Fargo insurance rates
Companies do not advertise all available discounts in a way that's easy to find, so the list below gives a summary of both well-publicized and the more hidden insurance savings.
- Payment Discounts - By paying your entire bill at once instead of paying each month you could save 5% or more.
- 55 and Retired - Seniors can get a small decrease in premiums.
- ABS Brakes - Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
- First Accident Forgiveness - This isn't a discount exactly, but certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Low Mileage Discounts - Fewer annual miles on your Jeep could earn cheaper prices.
- New Car Discount - Insuring a new Wrangler may earn a small discount due to better safety requirements for new vehicles.
- Defensive Driving Course - Taking part in a defensive driver course could earn you a small percentage discount and make you a better driver.
- Smart Student Discounts - Being a good student may save you up to 25%. You can use this discount normally up until you turn 25.
- Telematics Discount - Drivers who elect to allow their insurance company to monitor driving manner by installing a telematics device such as Progressive's Snapshot may see discounts if they exhibit good driving behavior.
- No Claims - Drivers with accident-free driving histories can save substantially when compared to drivers with a long claim history.
We need to note that most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. Even though it appears it's possible to get free car insurance, insurance companies aren't that generous.
For a list of providers that offer some of these discounts in North Dakota, follow this link.
Buying from insurance agents
Some consumers still prefer to talk to an insurance agent and that can be a smart move Good insurance agents can make sure you are properly covered and help in the event of a claim. The biggest benefit of getting online price quotes is you may find cheap rate quotes and still buy from a local agent. Buying insurance from local insurance agencies is especially important in Fargo.
After filling out this form (opens in new window), your coverage information is sent to agents in your area that give free quotes for your coverage. There is no reason to find an agent on your own since rate quotes are delivered immediately to your email address. If you need to get a rate quote from a specific insurance company, feel free to navigate to their website to submit a rate quote request.
Finding the right company requires more thought than just a cheap price quote. Agents should be asked these questions:
- How is replacement cost determined on your vehicle?
- How long have they been in business?
- Where would glass claims be handled in Fargo?
- Does their agency support local causes in Fargo?
- Will they make sure you get an adequate claim settlement?
What is YOUR best insurance company?
In this article, we presented a lot of tips how to save on Jeep Wrangler insurance in Fargo. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable Jeep Wrangler insurance quotes. Drivers may even discover the best price on car insurance is with the least-expected company.
While you're price shopping online, make sure you don't skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.
People who switch companies do it for many reasons like policy non-renewal, unfair underwriting practices, being labeled a high risk driver or delays in paying claims. Regardless of your reason, finding a new company can be easier than you think.
For more information, feel free to visit these articles:
- Tread Depth and Tire Safety (State Farm)
- What is the Best Auto Insurance in Casselton, North Dakota? (FAQ)
- What is the Cheapest Auto Insurance in Fargo, North Dakota? (FAQ)
- Who Has Affordable North Dakota Car Insurance for Drivers Over Age 70? (FAQ)
- How Much are North Dakota Auto Insurance Quotes for a Dodge Grand Caravan? (FAQ)
- What Car Insurance is Cheapest for Teenage Males in North Dakota? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a School Permit in North Dakota? (FAQ)
- How Much is Auto Insurance for Ride Shares in North Dakota? (FAQ)
- How Much is Auto Insurance for Homeowners in North Dakota? (FAQ)
- Who Has the Cheapest North Dakota Car Insurance for Low Credit Scores? (FAQ)
- Who Has Cheap Auto Insurance for Infrequent Drivers in North Dakota? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)