Insurance for Jeep WranglerNo one in their right mind looks forward to buying car insurance, especially when they could find lower prices if they just compared rates.

It's astonishing, but over 70% of drivers have purchased from the same company for over three years, and approximately 40% of consumers have never even compared rates from other companies. With the average car insurance premium being $1,400, Indiana drivers could cut their rates by about $700 a year by just comparing rate quotes, but most tend to underestimate how much savings they would realize if they switch to a new company.

Vehicle owners have multiple insurers to choose from, and even though it's nice to have a choice, having more insurers makes it harder to find a good deal for Jeep Wrangler insurance in Evansville.

Affordable auto insurance in Evansville, IN

The companies shown below provide price comparisons in Indiana. If several companies are displayed, we suggest you visit as many as you can to get the lowest price.

Jeep Wrangler Insurance Cost Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $150 $218 $340 $20 $102 $830 $69
Wrangler Unlimited Sport 2WD 4-Dr $100 $146 $396 $24 $118 $784 $65
Wrangler Sport Islander Package 4WD 2-Dr $204 $352 $286 $16 $86 $944 $79
Wrangler Unlimited Sport 4WD 4-Dr $216 $236 $350 $20 $106 $928 $77
Wrangler Sahara 4WD 2-Dr $104 $160 $270 $16 $80 $630 $53
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $210 $230 $358 $22 $108 $928 $77
Wrangler Unlimited Sahara 2WD 4-Dr $116 $146 $396 $24 $118 $800 $67
Wrangler Rubicon 4WD 2-Dr $152 $238 $318 $18 $94 $820 $68
Wrangler Unlimited Sahara 4WD 4-Dr $152 $250 $396 $24 $118 $940 $78
Wrangler Unlimited Rubicon 4WD 4-Dr $182 $222 $362 $22 $108 $896 $75
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in your specific Evansville location which can change coverage rates greatly.

Physical damage deductibles: Should you raise them?

When comparing car insurance rates, the most common question is how high should your deductibles be. The data tables below may help to illustrate the cost difference when you buy lower versus higher coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Jeep Wrangler insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $188 $236 $280 $16 $84 $829 $69
Wrangler Unlimited Sport 2WD 4-Dr $188 $236 $350 $20 $106 $925 $77
Wrangler Sport Islander Package 4WD 2-Dr $188 $300 $280 $16 $84 $893 $74
Wrangler Unlimited Sport 4WD 4-Dr $216 $236 $350 $20 $106 $953 $79
Wrangler Sahara 4WD 2-Dr $216 $300 $280 $16 $84 $921 $77
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $216 $236 $350 $20 $106 $953 $79
Wrangler Unlimited Sahara 2WD 4-Dr $216 $236 $350 $20 $106 $953 $79
Wrangler Rubicon 4WD 2-Dr $216 $300 $280 $16 $84 $921 $77
Wrangler Unlimited Sahara 4WD 4-Dr $216 $300 $350 $20 $106 $1,017 $85
Wrangler Unlimited Rubicon 4WD 4-Dr $244 $300 $350 $20 $106 $1,045 $87
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Jeep Wrangler insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $154 $190 $280 $16 $84 $724 $60
Wrangler Unlimited Sport 2WD 4-Dr $154 $190 $350 $20 $106 $820 $68
Wrangler Sport Islander Package 4WD 2-Dr $154 $242 $280 $16 $84 $776 $65
Wrangler Unlimited Sport 4WD 4-Dr $176 $190 $350 $20 $106 $842 $70
Wrangler Sahara 4WD 2-Dr $176 $242 $280 $16 $84 $798 $67
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $176 $190 $350 $20 $106 $842 $70
Wrangler Unlimited Sahara 2WD 4-Dr $176 $190 $350 $20 $106 $842 $70
Wrangler Rubicon 4WD 2-Dr $176 $242 $280 $16 $84 $798 $67
Wrangler Unlimited Sahara 4WD 4-Dr $176 $242 $350 $20 $106 $894 $75
Wrangler Unlimited Rubicon 4WD 4-Dr $200 $242 $350 $20 $106 $918 $77
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in specific garaging location which can alter prices considerably.

Based on this data, using a $250 deductible will cost in the ballpark of $9 more each month or $108 every year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at least 28 months between claim filings, you would save money if you elect the higher deductible. The table below shows a better example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $78
Average monthly premium for $500 deductibles (subtract): - $69
Monthly savings from raising deductible: $9
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $9
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

How much more does full coverage cost in Evansville?

The chart below shows the comparison of Jeep Wrangler insurance premiums with and without physical damage coverage. The premiums assume no accidents or driving violations, $500 deductibles, married male driver, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no exact rule to exclude physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let's say your Jeep Wrangler claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying your deductible. If you are paying more than $800 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are a few cases where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

What Determines Jeep Wrangler Insurance Premiums?

Consumers need to have an understanding of the factors that go into determining car insurance rates. If you have some idea of what impacts premium levels, this allows you to make educated decisions that will entitle you to better car insurance rates.

Verify you're earning every discount

Auto insurance is not an enjoyable expense, but there could be significant discounts that many consumers don't even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but some may not be applied and must be asked about prior to getting the savings. If you aren't receiving every discount you deserve, you are not getting the best rate possible.Auto insurance discounts

While discounts sound great, it's important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you can get free auto insurance, you're out of luck.

Companies and a summarized list of policyholder discounts include:

If you are trying to find inexpensive Evansville auto insurance quotes, ask every company which discounts they offer. Some discounts listed above might not be offered on policies everywhere.

When should I contact an insurance agent?

Many people would rather talk to a local agent and that is a personal choice. One of the best bonuses of comparing rate quotes online is that you can find cheaper rates and also buy local. And supporting local agencies is especially important in Evansville.

Evansville insurance agentsAfter filling out this quick form, the coverage information gets sent to agents in your area that give free quotes for your business. It makes it easy because there is no need to drive around since rate quotes are delivered to your email. You can find the lowest rates without requiring a lot of work. If you wish to get a comparison quote for a specific company, you would need to visit that company's website and submit a quote form there.

Picking the best insurer requires you to look at more than just the price. Here are some questions you should ask.

Special considerations

Keep in mind that when it comes to choosing coverage for your vehicles, there really isn't a single plan that fits everyone. Everyone's situation is unique.Drive safe and save

These are some specific questions might help in determining whether you could use an agent's help.

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Persistence pays off

As you restructure your insurance plan, it's not a good idea to reduce needed coverages to save money. There are many occasions where someone dropped collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Cheaper Jeep Wrangler insurance in Evansville can be bought from both online companies in addition to many Evansville insurance agents, so get free Evansville auto insurance quotes from both of them to have the best selection. A few companies may not have online price quotes and most of the time these regional carriers prefer to sell through local independent agencies.

Drivers leave their current company for any number of reasons including poor customer service, an unsatisfactory settlement offer, policy cancellation and questionable increases in premium. It doesn't matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

More detailed auto insurance information is located at these sites: