Finding the best cheap insurance for a Jeep Wrangler in California is fairly easy, but it relies on many factors such as your marital status, the performance level of your vehicle, and physical damage deductibles. Drivers pay approximately $1,373 a year for Wrangler insurance, but that price is a valuation based upon a 40-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
If we were betting, you aren’t exactly 40 years old or even a male, you might be single instead of married, or you just want cheap liability insurance instead of full coverage. This demonstrates why the only way to find the most affordable coverage for your Jeep is to compare as many rates as you can. It’s really quite easy you will receive prices from top-rated car insurance companies in California.
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The trim level of your Jeep will influence the yearly cost, so the price to insure a Wrangler Sport 4WD 2-Dr will be $356 cheaper than the cost to insure the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $302 | $406 | $456 | $26 | $136 | $1,326 | $111 |
| Wrangler Unlimited Sport 2WD 4-Dr | $302 | $406 | $568 | $34 | $170 | $1,480 | $123 |
| Wrangler Sport Islander Package 4WD 2-Dr | $302 | $520 | $456 | $26 | $136 | $1,440 | $120 |
| Wrangler Unlimited Sport 4WD 4-Dr | $346 | $406 | $568 | $34 | $170 | $1,524 | $127 |
| Wrangler Sahara 4WD 2-Dr | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $346 | $406 | $568 | $34 | $170 | $1,524 | $127 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $346 | $406 | $568 | $34 | $170 | $1,524 | $127 |
| Wrangler Rubicon 4WD 2-Dr | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $346 | $520 | $568 | $34 | $170 | $1,638 | $137 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $390 | $520 | $568 | $34 | $170 | $1,682 | $140 |
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in garaging location in Chula Vista which can impact insurance rates substantially.
Finding dependable, budget car insurance is not the easiest thing to do, and figuring out which company offers the lowest-priced auto insurance rates for a Jeep Wrangler calls for more quotes for comparison. Each insurance company uses slightly different criteria to set premium rates, so let’s rank the most competitive auto insurance companies in Chula Vista, CA.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,541 |
| 12 | Allstate | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,733 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,946 |
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USAA normally has some of the cheapest car insurance rates in Chula Vista at around $1,109 annually. Wawanesa, Century National, CSAA, and Nationwide are also some of the cheaper Chula Vista, CA insurance companies.
As shown in the rates above, if you are currently insured with CSAA and switched to USAA, you could earn an annual savings of upwards of $125. Insureds with Nationwide could save as much as $154 a year, and 21st Century insureds might realize rate reductions of up to $216 a year.
Be aware that those rates are averaged across all insureds and vehicles and do not take into consideration an exact vehicle garaging location for a Jeep Wrangler. So the insurer that is most affordable for your situation may not even be in the top 24 companies shown above. That affirms the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
How to get discounts on Chula Vista auto insurance
Insurance companies that offer cheap quotes for a Jeep Wrangler could also offer policy discounts that could lower prices by as much as 25% or more if you can meet the requirements. Popular auto insurance companies and some of their more popular discounts are outlined below.
- State Farm offers premium reductions for anti-theft, defensive driving training, Drive Safe & Save, good driver, multiple policy, and safe vehicle.
- Progressive discounts include good student, online quote discount, online signing, multi-vehicle, continuous coverage, multi-policy, and homeowner.
- Progressive offers discounts for online quote discount, good student, online signing, continuous coverage, multi-policy, homeowner, and multi-vehicle.
- MetLife policyholders can earn discounts including good student, multi-policy, claim-free, defensive driver, accident-free, good driver
- Farm Bureau may include discounts for multi-policy, good student, multi-vehicle, 55 and retired, safe driver, and driver training.
- GEICO offers discounts including five-year accident-free, daytime running lights, driver training, seat belt use, and anti-theft.
- SAFECO may have discounts that include multi-car, safe driver, homeowner, teen safe driver, and drive less.
The illustration below shows the difference between premium costs with and without discounts applied to the rates. The prices are based on a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, passive restraint, vehicle safety, homeowner, accident-free, and multiple policy discounts applied. When taking advantage of discounts, theamount saved on auto insurance for a Jeep Wrangler is 28% or $858.
Comparing rates on Wrangler insurance can save you money
Chula Vista, CA auto insurance rates are calculated based on many things that control the price you have to pay for coverage. Improving your credit rating, moving across town, or having an accident can trigger rate changes that can now make some companies more affordable than the competition.
And not only may your rating factors change, but insurance companies file new rates without warning in order to maintain liquidity for claims. Larger than normal claims may result in higher prices, while a better claims history may result in more affordable Wrangler insurance rates.
The data below shows the company with the cheapest car insurance in Chula Vista, CA for a 30-year-old male driver with a good driving record, no prior claims, and solid credit. Based on his current risk profile, USAA may offer the lowest car insurance rates in Chula Vista at $1,143 a year. This is $508 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the most affordable Chula Vista, CA auto insurance companies.
Let’s now give the driver from the first rate comparison an at-fault accident, less-than-perfect credit, and a blemish on his driving record. Since each auto insurer has a proprietary method to determine rates, comparing rates may result in a substantially altered list of affordable companies as shown below.
Grange now has the lowest price in Chula Vista, CA with Mercury, GEICO, Progressive, and Allstate completing the list. This example shows why it is critical to compare rates when trying to get the lowest auto insurance quotes for a Jeep Wrangler.
Rates are made up of many risk factors and can increase or decrease at any time, so the most economical company when you last compared rates may now be costing you a lot of money.
Ideas for buying more affordable car insurance for a Jeep Wrangler
Lowering your rates is not difficult, and here are many penny-pinching ideas that can help Chula Vista drivers quote cheap car insurance.
- Avoid filing excessive claims
- Clean up your credit
- Staying accident-free helps keep rates low
- Buy vehicles with good safety ratings
- Maintain a clean driving record
- Compare rates often to find the best deal
That final tip is notably crucial, as we emphasized in the prior article. Prices fluctuate constantly, so drivers shouldn’t be resistant to buy from a different company if a cheaper rate is available.
Many consumers stick with the same company and that’s fine, but it’s not a great idea if that stubbornness costs you big bucks every year. It takes less than five minutes to compare prices and find cheaper insurance for a Jeep Wrangler in Chula Vista.