If you want to save money, the best way to find low-cost prices for Jeep Wrangler insurance is to begin comparing prices regularly from different companies who provide auto insurance in Laredo.
- Learn about how insurance works and the factors you can control to prevent high rates. Many rating factors that increase rates such as traffic citations and a low credit score can be controlled by making small lifestyle or driving habit changes.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agents can provide price quotes from many different companies. View rates
- Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you can save money, verify that coverage does not lapse between policies.
- Notify your current company to cancel your existing policy. Submit payment and a completed application for the new policy. When you receive it, put the new certificate verifying coverage in your vehicle.
A good piece of advice is to make sure you enter the same liability limits and deductibles on every price quote and and to get rate quotes from as many different insurance providers as possible. Doing this helps ensure the most accurate price comparison and the best price selection.
Amazingly, the vast majority of car insurance customers in Texas have bought car insurance from the same company for over three years, and about 40% of consumers have never shopped around. With the average car insurance premium being $1,847, American drivers can save roughly $860 each year by just comparing rate quotes, but most tend to underestimate how much money they would save if they replace their high priced policy.
This information will instruct you on how insurance works and how you can save the most money. If you are paying for car insurance now, you will definitely be able to reduce the price you pay using this strategy. Smart buyers just need to use the most efficient way to get comparison quotes using one simple form.
How to lower your Jeep Wrangler insurance cost in Laredo, Texas
Getting a cheaper price on Jeep Wrangler insurance is pretty simple and can save money. All you need to do is take time to compare rates online with multiple companies.
Comparing rate quotes online is fast and free, and it takes the place of having to go to each insurance agency near you. The ability to quote Jeep Wrangler insurance online has made agencies unnecessary unless you have a need for the guidance that you can only get from talking to an agent. Drivers can comparison shop your insurance online but have your policy serviced through an agent.
The following companies offer price quotes in Laredo, TX. To find the best cheap car insurance in Texas, we suggest you compare several of them to get the cheapest price.
Why you need Jeep vehicle insurance in Texas
Despite the high insurance cost for a Jeep Wrangler in Laredo, insurance serves several important purposes.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability protection in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Wrangler, more than likely the lender will force you to carry insurance to guarantee payment of the loan. If the policy lapses, the lender may insure your Jeep at a much higher rate and force you to pay a much higher amount than you were paying before.
- Auto insurance preserves not only your Jeep Wrangler but also your assets. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car are without a doubt worth the cost, particularly for liability claims. But the average American driver overpays as much as $865 each year so shop around at least once a year to help ensure money is not being wasted.
Statistics and details
The information shown next covers different insurance premium costs for Jeep Wrangler models. Learning as much as possible about how rates are determined can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $122 | $166 | $358 | $22 | $108 | $776 | $65 |
| Wrangler Unlimited Sport 2WD 4-Dr | $122 | $166 | $448 | $26 | $134 | $896 | $75 |
| Wrangler Sport Islander Package 4WD 2-Dr | $122 | $212 | $358 | $22 | $108 | $822 | $69 |
| Wrangler Unlimited Sport 4WD 4-Dr | $140 | $166 | $448 | $26 | $134 | $914 | $76 |
| Wrangler Sahara 4WD 2-Dr | $140 | $212 | $358 | $22 | $108 | $840 | $70 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $140 | $166 | $448 | $26 | $134 | $914 | $76 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $140 | $166 | $448 | $26 | $134 | $914 | $76 |
| Wrangler Rubicon 4WD 2-Dr | $140 | $212 | $358 | $22 | $108 | $840 | $70 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $140 | $212 | $448 | $26 | $134 | $960 | $80 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $158 | $212 | $448 | $26 | $134 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in Laredo location which can revise coverage rates noticeably.
Comparison of policy deductibles
The hardest decision when buying coverage is the level to set your comp and collision deductibles. The rates shown below can help you understand the cost difference when you select higher and lower policy deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $256 | $320 | $382 | $22 | $114 | $1,119 | $93 |
| Wrangler Unlimited Sport 2WD 4-Dr | $256 | $320 | $476 | $28 | $142 | $1,247 | $104 |
| Wrangler Sport Islander Package 4WD 2-Dr | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Wrangler Unlimited Sport 4WD 4-Dr | $294 | $320 | $476 | $28 | $142 | $1,285 | $107 |
| Wrangler Sahara 4WD 2-Dr | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $294 | $320 | $476 | $28 | $142 | $1,285 | $107 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $294 | $320 | $476 | $28 | $142 | $1,285 | $107 |
| Wrangler Rubicon 4WD 2-Dr | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $294 | $408 | $476 | $28 | $142 | $1,373 | $114 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $332 | $408 | $476 | $28 | $142 | $1,411 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $208 | $258 | $382 | $22 | $114 | $984 | $82 |
| Wrangler Unlimited Sport 2WD 4-Dr | $208 | $258 | $476 | $28 | $142 | $1,112 | $93 |
| Wrangler Sport Islander Package 4WD 2-Dr | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Wrangler Unlimited Sport 4WD 4-Dr | $240 | $258 | $476 | $28 | $142 | $1,144 | $95 |
| Wrangler Sahara 4WD 2-Dr | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $240 | $258 | $476 | $28 | $142 | $1,144 | $95 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $240 | $258 | $476 | $28 | $142 | $1,144 | $95 |
| Wrangler Rubicon 4WD 2-Dr | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $240 | $328 | $476 | $28 | $142 | $1,214 | $101 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $270 | $328 | $476 | $28 | $142 | $1,244 | $104 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in specific location which can raise or lower rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible costs roughly $12 more each month or $144 a year than buying the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 21 months between claim filings, you would save money if you elect the higher deductible.
Full coverage versus liability only rates
The illustration below shows the difference between Jeep Wrangler auto insurance rates with full coverage and liability only. The price estimates are based on no accidents, no driving violations, $500 deductibles, single status, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no clear-cut rule of when to phase out full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s pretend your Jeep Wrangler settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying your deductible. If you are paying over $500 annually to have full coverage, then you might want to think about dropping full coverage.
There are some scenarios where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Laredo insurance discounts
Some companies don’t always publicize all discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts that may be available. If you’re not getting every credit available, you could be saving more on your insurance.
- Low Mileage – Keeping the miles down on your Jeep may allow you to get substantially lower premium rates.
- Sign Online – A handful of larger companies will discount your bill up to fifty bucks get Laredo car insurance on their website.
- No Charge for an Accident – Not really a discount, but companies like Progressive, State Farm and GEICO permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
- Driver Safety – Taking part in a course teaching driver safety skills is a good idea and can lower rates if you qualify.
- Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
We need to note that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, insurance companies wouldn’t stay in business.
The example below shows the comparison of Jeep Wrangler insurance costs with and without policy discounts. The data is based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, safe-driver, multi-car, and homeowner discounts applied.
Companies and a selection of discounts include:
- Progressive may offer discounts for multi-policy, homeowner, online signing, online quote discount, continuous coverage, good student, and multi-vehicle.
- AAA offers discounts including anti-theft, AAA membership discount, good student, multi-car, education and occupation, and multi-policy.
- Farmers Insurance has savings for homeowner, multi-car, mature driver, switch companies, pay in full, and business and professional.
- GEICO may include discounts for multi-vehicle, emergency military deployment, air bags, defensive driver, and daytime running lights.
- Esurance offers premium reductions for multi-policy, good student, online shopper, renters, and good driver.
- SAFECO discounts include teen safe driver, anti-theft, accident prevention training, homeowner, and bundle discounts.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, good driver, driver’s education, good student, defensive driving training, anti-theft, and Drive Safe & Save.
When getting a coverage quote, ask each company what discounts are available to you. Some discounts listed above might not be offered in Laredo.
Buying car insurance from Laredo insurance agents
Certain consumers still like to get advice from a local agent and that is recommended in a lot of cases Insurance agents are very good at helping people manage risk and will help you if you have claims. One of the benefits of comparing rates online is you may find the best rates and also buy local. Buying insurance from local agencies is important especially in Laredo.
To make it easy to find an agent, after completing this simple form, the coverage information is transmitted to local insurance agents in Laredo who will give competitive quotes for your insurance coverage. There is no reason to search for an agent due to the fact that quote results will go instantly to you. If you want to compare prices from a specific insurance company, feel free to visit that company’s website and submit a quote form there.
If you’re trying to find a reputable insurance agent or broker, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Car insurance policy providers are either independent agents or exclusive agents. Both sell affordable car insurance policies, but it’s important to know the difference in how they write coverage because it can impact buying decisions.
Independent Agencies or Brokers
These agents are appointed with more than one company so as a result can place your coverage with an assortment of companies and get the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to do anything.
When shopping rates, you absolutely need to compare quotes from multiple independent agents to have the best price comparison.
Listed below are independent agents in Laredo who may be able to give you rate quotes.
Henri D Kahn Insurance
112 Del Ct – Laredo, TX 78041 – (800) 701-5909 – View Map
Zimmerman Insurance
3515 N Arkansas Ave #107 – Laredo, TX 78043 – (956) 796-1115 – View Map
Lozano Insurance
519 E Gustavus St – Laredo, TX 78040 – (956) 725-2167 – View Map
Exclusive Car Insurance Agencies
Agents that elect to be exclusive can only place business with one company and examples are Farmers Insurance or State Farm. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. Exclusive agents are well trained on what they offer and that enables them to sell even at higher rates.
Listed below are exclusive insurance agents in Laredo willing to provide price quote information.
Kike Trevino – State Farm Insurance
517 Shiloh Dr #4 – Laredo, TX 78045 – (956) 791-5453 – View Map
Farmers Insurance – Robert Rogers
6410 McPherson Rd Suite 2 – Laredo, TX 78041 – (956) 724-1038 – View Map
State Farm: Manuel Gomez III
4311 Clark Blvd – Laredo, TX 78043 – (956) 333-0000 – View Map
Finding the right insurance agent shouldn’t rely on just a cheap price. Before buying a policy in Laredo, get answers to these questions.
- Does the quote include credit and driving reports?
- Where would glass claims be handled in Laredo?
- Is the agency active in community causes in Laredo?
- How is replacement cost determined on your vehicle?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What company do they have the most business with?
- When do they do a full risk review?
Auto insurance can get complicated
Always keep in mind that when comparing coverage, there really isn’t a perfect coverage plan. Each situation is unique.
These are some specific questions may help you determine if you may require specific advice.
- Does coverage extend to Mexico or Canada?
- What is no-fault insurance?
- What is high-risk coverage and where do I buy it?
- Am I covered when pulling a rental trailer?
- Should I get collision insurance on every vehicle?
- What if I total my Jeep Wrangler and owe more than it’s worth?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.
A conclusion for your insurance search
Consumers who switch companies do it for many reasons like policy cancellation, poor customer service, high rates after DUI convictions and even lack of trust in their agent. It doesn’t matter what your reason, finding a new insurance company can be easy and end up saving you some money.
A few companies do not provide the ability to get quotes online and usually these regional carriers sell through local independent agents. Budget-conscious Jeep Wrangler insurance is attainable online in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money.
As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. There are many occasions where consumers will sacrifice physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.
For more information, link through to these articles:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Affordable Auto Insurance for Drivers with Accidents in Laredo? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)
- Credit and Insurance Scores (Insurance Information Institute)