Do you want to learn to get the cheapest Jeep Wrangler insurance in Columbia? When looking for cheaper insurance, do you get frustrated by the wide range of car insurance sources available to you? Many other drivers are as well. You have such a vast assortment of sources available that it can be a burden to find the best prices for Jeep Wrangler insurance in Columbia. If you live there, you know that Columbia is the perfect city to reside in, but trying to pay high car insurance rates makes it difficult to pay for enough car insurance coverage.
A recent car insurance study discovered that most car insurance policyholders kept buying from the same company for over three years, and 38% of customers have never compared rates with other companies. Drivers in Columbia could save an average of as much as 55% each year, but they don't understand how simple it is to compare rates online.
If you have car insurance now, you will definitely be able to get lower rates using these methods. Getting quotes for the most affordable car insurance in Columbia is actually quite simple. But South Carolina consumers do need to know how the larger insurance companies price insurance differently because it can help you find the best coverage.
The best way to compare policy rates for Jeep Wrangler insurance in Columbia is to take advantage of the fact most of the bigger providers allow for online access to give rate comparisons. All consumers are required to do is take a few minutes to give details including if it has an alarm system, if you have a valid license, how old drivers are, and if the vehicle is leased. The data is instantly provided to multiple different insurance companies and you will receive price estimates instantly to find the best rate.
To start a quote now, click here and find out if you can get cheaper insurance in Columbia.
The providers in the list below can provide price comparisons in South Carolina. If multiple companies are listed, we suggest you get prices from several of them to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$146||$196||$328||$20||$98||$788||$66|
|Wrangler Unlimited Sport 2WD 4-Dr||$198||$280||$448||$26||$134||$1,086||$91|
|Wrangler Sport Islander Package 4WD 2-Dr||$140||$264||$412||$24||$124||$964||$80|
|Wrangler Unlimited Sport 4WD 4-Dr||$148||$166||$440||$26||$132||$912||$76|
|Wrangler Sahara 4WD 2-Dr||$252||$428||$358||$22||$108||$1,168||$97|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$300||$286||$558||$34||$168||$1,346||$112|
|Wrangler Unlimited Sahara 2WD 4-Dr||$244||$230||$558||$34||$168||$1,234||$103|
|Wrangler Rubicon 4WD 2-Dr||$186||$230||$448||$26||$134||$1,024||$85|
|Wrangler Unlimited Sahara 4WD 4-Dr||$230||$370||$410||$24||$122||$1,156||$96|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$270||$336||$440||$26||$132||$1,204||$100|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in specific garaging location which can alter premium rates noticeably.
How careless driving impacts auto insurance rates
The chart below illustrates how speeding tickets and at-fault claims increase Jeep Wrangler insurance costs for different age categories. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Auto insurance discounts are available to cut your rates
Companies don't necessarily list all possible discounts very well, so the following list contains a few of the more common and also the more inconspicuous credits that may apply to you.
- Passive Restraints - Options like air bags may qualify for discounts of up to 25% or more.
- Military Rewards - Being deployed with a military unit could qualify you for better prices.
- New Car Discount - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
- Seat Belt Usage - Drivers who require all occupants to wear their seat belts can save a little on medical payment and PIP coverage.
- Sign Online - Some of the larger companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
- Full Payment Discount - By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
- Safe Drivers - Drivers who avoid accidents could pay up to 40% less than less cautious drivers.
- Discount for Swiching Early - Some larger companies reward drivers for switching policies early. This can save 10% or more.
- Good Students Pay Less - Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
One thing to note about discounts is that some of the credits will not apply to the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn't stay in business. Any qualifying discounts should definitely cut the cost of your policy.
Larger auto insurance companies and a summarized list of policyholder discounts are detailed below.
- GEICO has savings for driver training, seat belt use, multi-policy, air bags, emergency military deployment, military active duty, and daytime running lights.
- MetLife includes discounts for multi-policy, good student, accident-free, defensive driver, good driver, claim-free
- Progressive may include discounts for good student, online signing, homeowner, online quote discount, multi-policy, and multi-vehicle.
- Travelers discounts include home ownership, hybrid/electric vehicle, new car, IntelliDrive, good student, multi-policy, and payment discounts.
- SAFECO policyholders can earn discounts including homeowner, anti-theft, safe driver, teen safe driver, and anti-lock brakes.
- AAA offers discounts for multi-policy, pay-in-full, education and occupation, anti-theft, AAA membership discount, good driver, and multi-car.
Before you buy a policy, ask all the companies which credits you are entitled to. Discounts may not apply to policies in every state.
Learn How to Lower Your Insurance Rates
One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that are used to determine the price you pay for car insurance. If you know what determines base rates, this allows you to make good choices that could result in cheaper rates. Lots of factors are considered when premium rates are determined. Some are pretty understandable like an MVR report, but others are more transparent like your vehicle usage or your commute time.
Listed below are some of the major factors car insurance companies consider when setting premiums.
Gender impacts costs - Statistics demonstrate females are less aggressive when driving. This data doesn't prove that females are better at driving than males. Females and males tend to get into accidents in similar numbers, but males cause more damage. Not only that, but men also receive more costly citations like DWI (DUI) or reckless driving.
Choose high crash test ratings and save - Cars with high safety ratings can get you lower premiums. Safe vehicles protect occupants better and reduced instances of injuries translates into savings for insurance companies and cheaper rates on your policy. If your Jeep Wrangler is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.
Keep the miles off and save - The higher the mileage driven in a year's time the more it will cost to insure it. A lot of insurance companies apply a rate based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use cost less to insure than those used for commuting. Ask your agent if your car insurance policy is showing how each vehicle is driven, because it can save money. Having an incorrect usage rating on your Wrangler is just wasting money.
Cut premiums and deter theft - Choosing a vehicle that has a built-in theft deterrent system can save you a little every year. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft and help bring rates down.
Never have car insurance lapses - Driving your car without having proper coverage can get you a ticket and car insurance companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher premiums, not being able to provide proof of insurance could earn you a license revocation or jail time.
Traffic violations hurt - Careful drivers get better rates than their less careful counterparts. Having a single speeding ticket or other violation may cause rates to rise substantially. Drivers unfortunate enough to have serious violations such as reckless driving, hit and run or driving under the influence may be required to maintain a SR-22 with the DMV in their state in order to drive a vehicle legally.
Limits of liability insurance - The liability section of your policy provides coverage if you are ruled to be at fault for personal injury or accident damage. Your policy's liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Claims statistics for a Jeep Wrangler - Car insurance companies use past insurance losses to help calculate a profitable premium rate. Models that the data shows to have higher losses will cost more for coverage.
The information below illustrates the historical loss data for Jeep Wrangler vehicles. For each insurance policy coverage type, the loss probability for all vehicles compiled together is represented as 100. Numbers that are below 100 represent a good loss history, while numbers above 100 indicate higher probability of having a loss or tendency to have larger claims.
Jeep Wrangler Insurance Claim Statistics
|Vehicle Make and 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Compare prices but work with a local neighborhood Columbia car insurance agent
A small number of people still prefer to sit down and talk to an agent and doing so can bring peace of mind A good thing about comparing rate quotes online is you can get cheaper rates and also buy local.
Upon completion of this simple form, the coverage information is sent to local insurance agents in Columbia that provide free Columbia car insurance quotes to get your business. You don't have to do any legwork because prices are sent to the email address you provide. You'll get the best rates without a big time investment. If for some reason you want to get a comparison quote from a specific insurance company, you would need to visit that company's website to submit a rate quote request.
Choosing an company is decision based upon more than just the bottom line cost. Before buying a policy in Columbia, get answers to these questions.
- Are there any extra charges for paying monthly?
- Do they write coverage based solely on cost?
- How many years of experience in personal auto insurance do they have?
- Does the agency provide any after hours assistance?
- Which family members are covered?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- When do they do policy reviews?
Compare rates from both independent and exclusive car insurance agents
If you prefer to buy insurance from a local Columbia insurance agent, there are a couple of types of agencies that you can select. Insurance agents can be categorized as either exclusive agents or independent agents.
Exclusive Insurance Agencies
Exclusive agents can usually just insure with one company and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide rate quotes from other companies so it's a take it or leave it situation. Exclusive agencies are very knowledgeable on the products they sell and that allows them to sell at a higher price point. Some consumers prefer to buy from the same agent for years mostly because of the prominent brand name and the convenience of having all coverages with one company.
The following are Columbia exclusive insurance agencies that are able to give price quote information.
- Gary Williamson - State Farm Insurance Agent
132 Harbison Blvd #100 - Columbia, SC 29212 - (803) 749-1279 - View Map
- Chris Spearman - State Farm Insurance Agent
Ste A16, 7001 St Andrews Rd - Columbia, SC 29212 - (803) 732-3800 - View Map
- Trey Webb - State Farm Insurance Agent
111 Sparkleberry Crossing Rd #10 - Columbia, SC 29229 - (803) 788-9188 - View Map
These agents are appointed with more than one company so they can write business with an assortment of companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and the insured can keep the same agent. When shopping rates, you will want to include rate quotes from independent agents so that you have a good selection of quotes to compare. Many write coverage with companies you've never heard of which may provide better rates.
The following are Columbia independent agents willing to provide comparison quotes.
- Affordable Insurance Group
6168 St Andrews Rd - Columbia, SC 29212 - (803) 798-4499 - View Map
- David M Gilston Insurance Agency
455 St Andrews Rd # A2 - Columbia, SC 29210 - (803) 772-3122 - View Map
- Nationwide Insurance: Brian C Knight Agency LLC
791 Greenlawn Dr Ste 1 - Columbia, SC 29209 - (803) 776-8668 - View Map
Don't be fooled by advertising claims
Well-known auto insurance companies like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all tend to make the same promise that drivers can save some big amount just by moving your auto insurance coverage to their company. How is it plausible that every one can charge you a lower premium?
Most companies are able to cherry pick for the type of driver that will be a good risk. A good example of this type of insured could be a mature driver, has no driving citations, and the vehicle is rated for pleasure use. Someone who matches that profile receives the best car insurance rates in Columbia and is almost guaranteed to save a lot of money.
Drivers who don't meet those standards will see a more expensive rate and this results in the customer not purchasing. If you pay attention, the ads say "customers that switch" not "everyone who quotes" will save that much if they switch. That's the way companies can make those statements. This emphasizes why drivers should get Columbia car insurance quotes as often as possible. Because you cannot predict with any certainty which company will provide you with the cheapest Jeep Wrangler insurance in Columbia.
Get the best coverage at the lowest price
People change insurance companies for a number of reasons such as extreme rates for teen drivers, high prices, high rates after DUI convictions or even delays in responding to claim requests. It doesn't matter why you want to switch finding a new company is actually quite simple.
Throughout this article, we presented some good ideas how you can shop for Jeep Wrangler insurance online. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even find the best price on car insurance is with a company that doesn't do a lot of advertising.
As you prepare to switch companies, make sure you don't skimp on coverage in order to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.
More tips and info about car insurance can be read in the articles below:
- Liability Insurance Coverage (Nationwide)
- How Much is Auto Insurance for Used Cars in South Carolina? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Business Use in South Carolina? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Booster Seat Ratings (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)