Save on Jeep Wrangler Insurance in Atlanta

Discount Jeep Wrangler insuranceWant to learn how to buy lower-priced Jeep Wrangler insurance in Atlanta? Purchasing lower-cost Atlanta Jeep Wrangler insurance quotes online can appear to be rather challenging for beginners to comparing rates over the internet. Since there are so many companies in the marketplace, how can you effectively compare every one to find the best pricing?

A recent auto insurance study discovered that 70% of consumers kept their policy with the same company for more than four years, and almost half have never shopped around. Georgia drivers could pocket about $1,000 a year by just shopping around, but they underestimate the big savings they would realize if they switched to a more affordable policy.

Finding affordable insurance coverage in Atlanta can be made easier if you know where to look. If you are already insured, you will be able to save money using the ideas you're about to read. Nevertheless, Georgia car owners benefit from understanding how the larger insurance companies determine what you pay because rates fluctuate considerably.

Cut your auto insurance rates with these eight discounts

Auto insurance companies don't always advertise every policy discount in an easy-to-find place, so the next list breaks down some of the best known and also the more inconspicuous credits available to lower your premiums when you buy Atlanta car insurance online.Cheaper auto insurance with discounts

It's important to understand that many deductions do not apply to the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, auto insurance companies aren't that generous.

Large auto insurance companies and a selection of discounts can be found below.

Check with each insurance company which credits you are entitled to. Savings may not apply to policies in your area. To find auto insurance companies that offer some of these discounts in Georgia, click here to view.

The quickest method to compare rates for Jeep Wrangler insurance in Atlanta is to know the trick most of the larger companies provide online access to give free rates quotes. To get started, all you need to do is provide the companies a bit of rating information including the year, make and model of vehicles, if a SR-22 is required, whether your vehicle is owned or leased, and how much school you completed. Your rating data is instantly provided to many different companies and they provide comparison quotes instantly to find the best rate.

To get price quotes for your Jeep Wrangler now, click here then complete the form.

The car insurance companies shown below provide free rate quotes in Atlanta, GA. If more than one company is shown, we recommend you click on several of them in order to get a fair rate comparison.

Jeep Wrangler Insurance Cost Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $140 $204 $444 $26 $134 $948 $79
Wrangler Unlimited Sport 2WD 4-Dr $128 $176 $472 $28 $142 $946 $79
Wrangler Sport Islander Package 4WD 2-Dr $228 $412 $414 $24 $124 $1,202 $100
Wrangler Unlimited Sport 4WD 4-Dr $292 $386 $556 $32 $166 $1,432 $119
Wrangler Sahara 4WD 2-Dr $240 $332 $402 $24 $120 $1,118 $93
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $224 $244 $506 $30 $152 $1,156 $96
Wrangler Unlimited Sahara 2WD 4-Dr $304 $330 $492 $30 $148 $1,304 $109
Wrangler Rubicon 4WD 2-Dr $282 $340 $516 $30 $154 $1,322 $110
Wrangler Unlimited Sahara 4WD 4-Dr $292 $492 $556 $32 $166 $1,538 $128
Wrangler Unlimited Rubicon 4WD 4-Dr $382 $502 $492 $30 $148 $1,554 $130
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in Atlanta location which can increase or decrease price quotes greatly.

Comparison of policy deductibles

The chart below demonstrates how deductibles and can influence Jeep Wrangler insurance costs for each age group. The price estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.

Higher deductibles lower rates

When comparing car insurance rates, the most common question is at what level do you set your deductibles. The following insurance rates help summarize the differences in price when you choose different deductibles. The first price estimate table uses a $250 deductible and the second set of prices uses a $500 deductible.

Jeep Wrangler insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $264 $330 $394 $24 $118 $1,155 $96
Wrangler Unlimited Sport 2WD 4-Dr $264 $330 $492 $30 $148 $1,289 $107
Wrangler Sport Islander Package 4WD 2-Dr $264 $420 $394 $24 $118 $1,245 $104
Wrangler Unlimited Sport 4WD 4-Dr $304 $330 $492 $30 $148 $1,329 $111
Wrangler Sahara 4WD 2-Dr $304 $420 $394 $24 $118 $1,285 $107
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $304 $330 $492 $30 $148 $1,329 $111
Wrangler Unlimited Sahara 2WD 4-Dr $304 $330 $492 $30 $148 $1,329 $111
Wrangler Rubicon 4WD 2-Dr $304 $420 $394 $24 $118 $1,285 $107
Wrangler Unlimited Sahara 4WD 4-Dr $304 $420 $492 $30 $148 $1,419 $118
Wrangler Unlimited Rubicon 4WD 4-Dr $344 $420 $492 $30 $148 $1,459 $122
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Jeep Wrangler insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $216 $266 $394 $24 $118 $1,018 $85
Wrangler Unlimited Sport 2WD 4-Dr $216 $266 $492 $30 $148 $1,152 $96
Wrangler Sport Islander Package 4WD 2-Dr $216 $340 $394 $24 $118 $1,092 $91
Wrangler Unlimited Sport 4WD 4-Dr $248 $266 $492 $30 $148 $1,184 $99
Wrangler Sahara 4WD 2-Dr $248 $340 $394 $24 $118 $1,124 $94
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $248 $266 $492 $30 $148 $1,184 $99
Wrangler Unlimited Sahara 2WD 4-Dr $248 $266 $492 $30 $148 $1,184 $99
Wrangler Rubicon 4WD 2-Dr $248 $340 $394 $24 $118 $1,124 $94
Wrangler Unlimited Sahara 4WD 4-Dr $248 $340 $492 $30 $148 $1,258 $105
Wrangler Unlimited Rubicon 4WD 4-Dr $278 $340 $492 $30 $148 $1,288 $107
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in Atlanta location which can lower or raise auto insurance rates considerably.

We can derive from the above data that using a $250 deductible costs about $12 more each month or $144 a year than opting for the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 21 months between claims, you would save money going with the higher deductible. Here's an example of how this decision is made.

Average monthly premium for $250 deductibles: $109
Average monthly premium for $500 deductibles (subtract): - $97
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 big caveat is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a claim. You must have some funds available in order to pay the deductible to have repairs made.

When do I need an agent's advice?

When it comes to insurance from an agent or online, there really is not a one size fits all plan. Your financial needs are unique.Safe vehicles cost less to insure

For example, these questions can help discover if your situation would benefit from an agent's advice.

If it's difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Local insurance agents

A lot of people would prefer to buy from a licensed agent and that is OK! A good thing about comparing rates online is that drivers can save money and get cheap insurance quotes and also buy local.

Insurance agents in AtlantaOnce you complete this short form, the quote information is sent to insurance agents in Atlanta who will return price quotes to get your business. It simplifies rate comparisons since you won't have to contact an agency because quoted prices will be sent to your email. You can get cheaper insurance rates AND an agent nearby. If you have a need to compare prices from a particular provider, just visit that company's website to submit a rate quote request.

Finding the right company requires more thought than just a low price. Some important questions to ask are:

If you are wanting to find a local Atlanta insurance agent, you should know the types of agencies and how they are distinctly different. Agents can be categorized as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to compare other company's rates so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are usually well trained on what they offer which can be an advantage. Some insured continue to buy from exclusive agents primarily because of the prominence of the brand rather than low rates.

Shown below is a list of exclusive agents in Atlanta that can give you comparison quotes.

View more Atlanta agents

Independent Agencies or Brokers

These agents are appointed with more than one company so as a result can place your coverage with any number of different companies and find the cheapest insurance rates. If you are not satisfied with one company, your agent can just switch to a different company and you don't have to switch agencies.

When comparing rate quotes, you will definitely want to get some free quotes from several independent insurance agents to get the most accurate price comparison. Most can insure with smaller mutual companies that many times have cheaper rates.

The following is a short list of independent insurance agencies in Atlanta that are able to give price quotes.

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Coverages available on your policy

Having a good grasp of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses like chiropractic care, doctor visits, surgery, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other's property or people that is your fault. It protects YOU from legal claims by others. Liability doesn't cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims like pain and suffering, legal defense fees and medical expenses. How much coverage you buy is your choice, but it's cheap coverage so purchase as high a limit as you can afford. Georgia state law requires minimum liability limits of 25/50/25 but it's recommended drivers buy more liability than the minimum.

Collision coverage protection

This coverage will pay to fix damage to your Wrangler from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to increase the deductible on your Wrangler to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, vandalism and falling objects. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Jeep Wrangler.

Due to the fact that many Georgia drivers carry very low liability coverage limits (which is 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Keep this in mind when shopping around

We just covered many ideas to get a better price on Jeep Wrangler insurance in Atlanta. It's most important to understand that the more quotes you get, the better chance you'll have of finding the cheapest Jeep Wrangler rate quotes. Consumers could even find that the best rates are with a company that doesn't do a lot of advertising.

Budget-conscious Jeep Wrangler insurance can be found from both online companies as well as from independent agents in Atlanta, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer rate quotes online and most of the time these smaller companies prefer to sell through local independent agencies.

When you buy Atlanta car insurance online, it's very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced liability limits or collision coverage only to find out they didn't have enough coverage. The ultimate goal is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

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