Save Money on Jeep Wrangler Insurance in Bakersfield

It takes a few minutes, but the best way to get more affordable Jeep Wrangler insurance in Bakersfield is to do an annual price comparison from insurers in California. Prices can be compared by completing these steps.

1. Try to comprehend how auto insurance works and the measures you can take to drop your rates. Many factors that cause rate increases such as accidents, careless driving, and a bad credit rating can be rectified by making minor changes in your lifestyle.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while independent agencies can quote prices from many different companies. Select a company
3. Compare the price quotes to your existing policy and see if you can save money. If you find better rates, ensure coverage does not lapse between policies.
4. Give proper notification to your current agent or company of your intent to cancel your current car insurance policy and submit any necessary down payment along with the completed application for the new coverage. Once the application is submitted, place the new certificate verifying proof of insurance with your vehicle’s registration.

A good piece of advice is to make sure you’re comparing identical coverage information on each quote request and and to get quotes from as many companies as feasibly possible. This guarantees an accurate price comparison and a good representation of prices.

Smart shoppers know that car insurance companies don’t want policyholders to compare prices from other companies. People who compare rates annually are likely to buy a different policy because there is a significant possibility of finding a more affordable policy premium. A recent survey discovered that people who make a habit of shopping around saved as much as $3,400 over four years compared to those who never shopped around for lower prices.

If finding the lowest price for Jeep Wrangler insurance in Bakersfield is your target objective, understanding how to shop for insurance premiums can make the process more efficient.

Rates and other information

The data table displayed below highlights different policy rates for Jeep Wrangler models. Having knowledge of how prices are calculated can assist in making smart choices when selecting a coverage provider.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can raise or lower premiums significantly.

An analysis of deductible level

One of the more difficult decisions when buying insurance is how high should your deductibles be. The following insurance rates can help show the cost difference when you buy lower versus higher insurance deductibles. The first data set uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific Bakersfield garaging location which can change price quotes considerably.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $25 more each month or $300 a year than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 30 months between claim filings, you would save more money by going with a higher deductible.

Male drivers versus female drivers

The diagram below illustrates the comparison of Jeep Wrangler annual premium costs for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The illustration below compares Jeep Wrangler auto insurance rates with liability coverage only compared to full coverage. The costs are based on no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

When to drop full coverage

There isn’t a written rule to delete physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Jeep Wrangler replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $3,000 after you pay the deductible. If you are paying more than $300 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Jeep Wrangler Insurance Rate Factors

A large part of saving on insurance is knowing some of the things that help calculate the price you pay for insurance. When consumers understand what determines premiums, this enables you to make decisions that will entitle you to lower rates.

The itemized list below are some of the factors companies use to determine rates.

• How’s your driving record? – Only having one moving violation could increase your next policy renewal by as much as thirty percent. Good drivers tend to pay less for car insurance as compared to those with violations. Drivers unfortunate enough to have license-revoking violations like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.

  The chart below demonstrates how speeding tickets and at-fault claims can increase Jeep Wrangler insurance prices for different categories of driver ages. The rates are based on a married female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

• Where you live plays a part – Residing in less populated areas can be a good thing when shopping for auto insurance. Drivers who live in large cities tend to have more aggressive driving styles and longer commutes to work. Fewer drivers and short commutes translates into fewer accident claims and a lower car theft rate.
• Save by driving less – The more miles you rack up on your Jeep annually the higher your rates will be. Many insurance companies apply a rate based upon how you use the vehicle. Cars and trucks that sit idle most of the time get more affordable rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your insurance declarations sheet is showing the correct usage for each vehicle. An improperly rated Wrangler may be costing you.
• Keep insurance claims to a minimum – If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Auto insurance companies in California generally give lower rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the large, substantial claims.

• Jeep Wrangler insurance loss statistics – Car insurance companies include the past claim history for a vehicle to calculate a price that offsets possible losses. Vehicles that are shown to have increased losses will have a higher cost to insure.

  The table below outlines the loss history for Jeep Wrangler vehicles. For each type of coverage, the claim probability for all vehicles averaged together equals 100. Percentage numbers below 100 imply a favorable loss record, while values that are above 100 point to more losses or statistically larger claims.

  
  

  Insurance Loss Ratings for Jeep Wrangler Vehicles

  Specific Jeep 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

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance savings summarized

We’ve covered a lot of information how to lower your Jeep Wrangler insurance rates in Bakersfield. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Consumers may even find the lowest priced insurance comes from a small local company. Some small companies often have lower car insurance rates on specific markets than their larger competitors like GEICO and State Farm.

More affordable insurance in Bakersfield can be sourced on the web and from local agencies, so you need to shop Bakersfield auto insurance with both to have the best selection. Some insurance providers do not offer price quotes online and most of the time these small, regional companies only sell through independent insurance agencies.

More tips and info about insurance can be read by following these links:

• Protecting Teens from Drunk Driving (Insurance Information Institute)
• How Much are Bakersfield Auto Insurance Quotes for a Nissan Altima? (FAQ)
• What Car Insurance is Cheapest for Homeowners in Bakersfield? (FAQ)
• Who Has the Cheapest Bakersfield Auto Insurance for Real Estate Agents? (FAQ)
• Who Has Affordable Bakersfield Auto Insurance for a Toyota RAV4? (FAQ)
• Liability Insurance Coverage (Nationwide)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Booster Seat Ratings (iihs.org)
• How to shop for a safer car (Insurance Institute for Highway Safety)