Are you kicking yourself for buying overpriced Jeep Wrangler insurance in Baltimore? Believe me, there are lots of people in the same boat.
A recent study showed that a large majority of auto insurance policyholders have purchased from the same company for a minimum of four years, and approximately 40% of consumers have never shopped around. Consumers in Maryland could cut their rates by about 55% a year just by getting comparison quotes, but they just don’t understand the actual amount they would save if they switched to a more affordable policy. You have multiple insurers to purchase coverage from, and though it is a good thing to have multiple companies, so many choices can make it hard to find a good deal for Jeep Wrangler insurance in Baltimore.
It’s a good habit to get comparison quotes before your next renewal because auto insurance prices change regularly. Just because you had the best price on Jeep Wrangler insurance in Baltimore last year you will most likely find a better rate today. There is too much inaccurate information about Wrangler insurance out there, but we’re going to give you some great ideas on how to lower your auto insurance rates in Baltimore.
Do you qualify for discounts?
Auto insurance is not an enjoyable expense, but there could be significant discounts to reduce the price significantly. Many of these discounts will be applied automatically when you get a quote, but some may not be applied and must be inquired about in order for you to get them.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents so you can save 10 percent or more.
- Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates than their less cautious counterparts.
- Save with a New Car – Adding a new car to your policy may earn a small discount because new vehicles are generally safer.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
- Membership in Organizations – Being in a civic or occupational organization in Baltimore can get you a small discount on auto insurance.
- E-sign Discounts – A few larger online companies give back up to $50 for buying a policy and signing up on their website.
- Anti-theft System – Cars optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
As a sidenote, some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will positively reduce your policy premiums.
The diagram below shows the comparison of Jeep Wrangler car insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no tickets, no at-fault accidents, Maryland 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 multi-policy, claim-free, marriage, safe-driver, homeowner, and multi-car discounts applied.
Popular auto insurance companies and some of the premium reductions they offer include:
- State Farm offers premium reductions for accident-free, multiple autos, Steer Clear safe driver discount, good student, safe vehicle, and multiple policy.
- Liberty Mutual has discounts for good student, teen driver discount, multi-car, multi-policy, newly retired, newly married, and exclusive group savings.
- American Family includes discounts for TimeAway discount, Steer into Savings, bundled insurance, air bags, and defensive driver.
- Progressive discounts include multi-vehicle, online quote discount, homeowner, good student, and online signing.
- Farmers Insurance may have discounts that include business and professional, youthful driver, early shopping, switch companies, good student, mature driver, and homeowner.
- Auto-Owners Insurance may offer discounts for company car, teen driver, student away at school, anti-theft, group or association, and paid in full.
- SAFECO offers discounts including anti-theft, teen safe driver, accident prevention training, anti-lock brakes, drive less, safe driver, and multi-car.
When getting free Baltimore car insurance quotes, it’s a good idea to all companies you are considering which discounts they offer. Some discounts might not be available to policyholders in your area. If you would like to choose from a list of insurance companies with discount rates in Baltimore, click here to view.
All major auto insurance companies such as Progressive, Allstate and GEICO make it easy to get price estimates online. Comparing Jeep Wrangler insurance rates online can be done by anyone as all you need to do is type in the coverage amounts you desire into a form. After you submit the form their quoting system will order your driving and credit reports and gives you a price quote based on the information you submitted. Being able to quote online for Jeep Wrangler insurance in Baltimore simplifies rate comparisons, and it’s also necessary to do this if you want to find a lower rate.
To quickly compare rates now, compare quotes from the companies shown below. To compare your current rates, we recommend you duplicate coverages and limits as close as possible to your current policy. This ensures you will have rate comparison quotes for similar coverage.
The companies shown below are ready to provide free quotes in Maryland. If multiple companies are listed, it’s a good idea that you visit as many as you can in order to find the most affordable rates.
Jeep Wrangler insurance statistics and information
The rate information displayed next outlines different coverage prices for Jeep Wrangler models. Learning as much as possible about how insurance quotes are calculated 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 | $262 | $398 | $426 | $26 | $128 | $1,240 | $103 |
| Wrangler Unlimited Sport 2WD 4-Dr | $262 | $398 | $532 | $32 | $160 | $1,384 | $115 |
| Wrangler Sport Islander Package 4WD 2-Dr | $262 | $508 | $426 | $26 | $128 | $1,350 | $113 |
| Wrangler Unlimited Sport 4WD 4-Dr | $300 | $398 | $532 | $32 | $160 | $1,422 | $119 |
| Wrangler Sahara 4WD 2-Dr | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $300 | $398 | $532 | $32 | $160 | $1,422 | $119 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $300 | $398 | $532 | $32 | $160 | $1,422 | $119 |
| Wrangler Rubicon 4WD 2-Dr | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $300 | $508 | $532 | $32 | $160 | $1,532 | $128 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $340 | $508 | $532 | $32 | $160 | $1,572 | $131 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can revise auto insurance rates noticeably.
Analysis of deductible levels
A question often asked by Baltimore drivers is what deductibles to buy. The rates below may aid in understanding the price difference when you choose different policy deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $274 | $340 | $406 | $24 | $122 | $1,191 | $99 |
| Wrangler Unlimited Sport 2WD 4-Dr | $274 | $340 | $508 | $30 | $152 | $1,329 | $111 |
| Wrangler Sport Islander Package 4WD 2-Dr | $274 | $434 | $406 | $24 | $122 | $1,285 | $107 |
| Wrangler Unlimited Sport 4WD 4-Dr | $314 | $340 | $508 | $30 | $152 | $1,369 | $114 |
| Wrangler Sahara 4WD 2-Dr | $314 | $434 | $406 | $24 | $122 | $1,325 | $110 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $314 | $340 | $508 | $30 | $152 | $1,369 | $114 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $314 | $340 | $508 | $30 | $152 | $1,369 | $114 |
| Wrangler Rubicon 4WD 2-Dr | $314 | $434 | $406 | $24 | $122 | $1,325 | $110 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $314 | $434 | $508 | $30 | $152 | $1,463 | $122 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $354 | $434 | $508 | $30 | $152 | $1,503 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $222 | $274 | $406 | $24 | $122 | $1,048 | $87 |
| Wrangler Unlimited Sport 2WD 4-Dr | $222 | $274 | $508 | $30 | $152 | $1,186 | $99 |
| Wrangler Sport Islander Package 4WD 2-Dr | $222 | $350 | $406 | $24 | $122 | $1,124 | $94 |
| Wrangler Unlimited Sport 4WD 4-Dr | $256 | $274 | $508 | $30 | $152 | $1,220 | $102 |
| Wrangler Sahara 4WD 2-Dr | $256 | $350 | $406 | $24 | $122 | $1,158 | $97 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $256 | $274 | $508 | $30 | $152 | $1,220 | $102 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $256 | $274 | $508 | $30 | $152 | $1,220 | $102 |
| Wrangler Rubicon 4WD 2-Dr | $256 | $350 | $406 | $24 | $122 | $1,158 | $97 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $256 | $350 | $508 | $30 | $152 | $1,296 | $108 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $288 | $350 | $508 | $30 | $152 | $1,328 | $111 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in your specific Baltimore location which can influence coverage rates considerably.
We can estimate from the data above that using a $250 deductible costs roughly $13 more each month or $156 for a full year across all Jeep Wrangler models than selecting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 19 months between claim filings, you would save money if you opt for a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $113 |
| Average monthly premium for $500 deductibles (subtract): | – $100 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
An important thing to remember is that higher deductibles means you will have to pay more of your own money when you have a physical damage claim. That will necessitate enough extra savings in the event you need to pay the deductible for vehicle repair.
The diagram below illustrates how your choice of deductibles and can increase or decrease Jeep Wrangler yearly insurance costs for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Comparison of car insurance rates by gender
The information below illustrates the difference between Jeep Wrangler insurance prices for male and female drivers. The information is based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no discounts are factored in.
Rate difference between full and liability-only coverage
The diagram below visualizes the comparison of Jeep Wrangler premium costs when comparing full coverage to state minimum liability only. The costs are based on no violations or claims, $250 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop buying physical damage coverage
There is no clear-cut formula to stop buying comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Jeep Wrangler replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after you pay the deductible. If premium cost is more than $300 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Exclusive versus independent car insurance agents
Some people just prefer to have an agent’s advice and that is OK! Professional insurance agents are highly skilled in risk management and will help you if you have claims. The best thing about comparing rates online is the fact that you can find lower rates and still choose a local agent. And providing support for neighborhood insurance agencies is especially important in Baltimore.
To help locate an agent, after submitting this quick form, your coverage information is transmitted to local insurance agents in Baltimore who can give free rate quotes for your business. You don’t have to leave your computer since price quotes are sent to you. If for some reason you want to get a comparison quote from a specific company, don’t hesitate to find their quoting web page and fill out their quote form.
If you are wanting to purchase car insurance from a reliable insurance agent, there are two types of agencies and how they can quote your rates. Car insurance agents can either be exclusive or independent (non-exclusive). Either type can sell and service car insurance coverage, but it’s a good idea to understand the difference in the companies they write for since it could factor into buying decisions.
Independent Car Insurance Agents
These agents do not sell for just one brand so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If they find a cheaper price, they simply move the coverage in-house and the insured can keep the same agent. When comparing car insurance prices, you will definitely want to get some free quotes from a few independent agents so that you have a good selection of quotes to compare.
Featured below is a partial list of independent insurance agencies in Baltimore that can possibly get you free price quotes.
Senate Select Insurance
5417 Reisterstown Rd – Baltimore, MD 21215 – (410) 358-0411 – View Map
Nationwide Insurance: Luray and Associates Inc
1726 Reisterstown Rd #220 – Baltimore, MD 21208 – (410) 602-2636 – View Map
Nationwide Insurance: Frank Dippel Agency Inc
6600 York Rd Ste 207 – Baltimore, MD 21212 – (410) 435-4354 – View Map
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company’s rates and examples are State Farm, Allstate, and Farm Bureau. They usually cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. These agents are highly trained on their products and sales techniques which aids in selling service over price.
Listed below are Baltimore exclusive insurance agencies that are able to give price quotes.
Vince Vanneman – State Farm Insurance Agent
1055 Taylor Ave Ste 112 – Baltimore, MD 21286 – (410) 321-0101 – View Map
Tamara Thomson – State Farm Insurance Agent
7823 Wise Ave – Baltimore, MD 21222 – (410) 282-7283 – View Map
Valerie Cherry – State Farm Insurance Agent
6800 York Road – Baltimore, MD 21212 – (410) 435-6600 – View Map
Picking an insurance agency requires more thought than just the quoted price. A good agent in Baltimore will have answers to these questions.
- Will you work with the agent or an assistant?
- Does the company have a local claim office in Baltimore?
- Are aftermarket or OEM parts used to repair vehicles?
- What discounts might you be missing?
- Is insurance their full-time profession?
- Do they have any clout with companies to ensure a fair claim settlement?
Upon receiving good responses to any questions you have and a good coverage price, you may have just found an insurance agency that can provide car insurance coverage.
Which car insurance company is best in Maryland?
Choosing the top car insurance company is hard considering how many companies there are to choose from in Baltimore. The ranking information shown below may help you select which auto insurers you want to consider comparing rate quotes with.
Top 10 Baltimore Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Baltimore Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Compare car insurance prices regularly to save
We just presented some good ideas how to compare Jeep Wrangler insurance premium rates in Baltimore. The key concept to understand is the more companies you get prices for, the better your comparison will be. You may even find the most savings is with the smaller companies. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm or Progressive.
As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.
How to find more affordable Jeep Wrangler insurance in Baltimore
If you want to find the absolute lowest rates, then the best way to get discount Jeep Wrangler insurance is to do an annual price comparison from companies who provide car insurance in Baltimore.
- Step 1: Spend a few minutes and learn about how auto insurance works and the factors you can control to prevent expensive coverage. Many policy risk factors that result in higher rates like speeding tickets, accidents and a bad credit rating can be eliminated by making small lifestyle or driving habit changes.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can quote rates from many different companies. View prices
- Step 3: Compare the new rates to your existing rates to see if switching to a new carrier will save money. If you find a better price and switch companies, make sure coverage does not lapse between policies.
- Step 4: Notify your agent or company to cancel your existing policy. Submit the application along with any required down payment to your new carrier. As soon as you can, put the certificate of insurance along with your vehicle registration.
An important note is to compare identical deductibles and limits on each price quote and to quote with as many different companies as possible. Doing this ensures an apples-to-apples comparison and maximum price selection.
More resources
- Credit Impacts Car Insurance Rates (State Farm)
- Who Has the Cheapest Baltimore Auto Insurance Quotes for a Toyota Tacoma? (FAQ)
- Who Has Cheap Auto Insurance for Teenage Males in Baltimore? (FAQ)
- Who Has the Cheapest Baltimore Car Insurance Quotes for a Toyota Highlander? (FAQ)
- Who Has Affordable Car Insurance for Homeowners in Baltimore? (FAQ)
- Who Has the Cheapest Baltimore Auto Insurance Quotes for a Nissan Altima? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Distracted Driving Statistics (Insurance Information Institute)