Want the cheapest Jeep Wrangler insurance in Lexington? Comparing and finding cheaper premium rates for Jeep Wrangler insurance in Lexington is slightly frustrating for people not familiar with shopping for insurance online. There are so many companies to choose from that it can turn into a real hassle to find the best price in Kentucky on Jeep Wrangler insurance.
Anyone knows that auto insurance companies don’t want you to compare rates. People who shop around for cheaper rates will probably switch auto insurance companies because of the good chance of finding a lower-priced policy. A recent auto insurance study discovered that people who make a habit of shopping around saved as much as $850 each year compared to policyholders who never compared rates.
If saving money on Jeep Wrangler insurance is your objective, then understanding the best way to quote and compare auto insurance can help you succeed in saving money.
It’s a good habit to get comparison quotes quite often because prices are rarely the same from one policy term to another. Just because you found the best deal on Jeep Wrangler insurance in Lexington a few years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the things you must know in order to find better coverage on Jeep Wrangler insurance in Lexington at a better price.
Cheap car insurance in Lexington, KY
The following companies can provide quotes in Lexington, KY. If you want the cheapest car insurance in KY, we recommend you visit as many as you can in order to find the most affordable rates.
Jeep Wrangler insurance rates and statistics
The coverage table shown next covers a range of insurance coverage prices for Jeep Wrangler models. Learning as much as possible about how auto insurance policy rates are formulated can be of help when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $116 | $178 | $368 | $22 | $110 | $794 | $66 |
| Wrangler Unlimited Sport 2WD 4-Dr | $116 | $178 | $462 | $28 | $138 | $922 | $77 |
| Wrangler Sport Islander Package 4WD 2-Dr | $116 | $226 | $368 | $22 | $110 | $842 | $70 |
| Wrangler Unlimited Sport 4WD 4-Dr | $134 | $178 | $462 | $28 | $138 | $940 | $78 |
| Wrangler Sahara 4WD 2-Dr | $134 | $226 | $368 | $22 | $110 | $860 | $72 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $134 | $178 | $462 | $28 | $138 | $940 | $78 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $134 | $178 | $462 | $28 | $138 | $940 | $78 |
| Wrangler Rubicon 4WD 2-Dr | $134 | $226 | $368 | $22 | $110 | $860 | $72 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $134 | $226 | $462 | $28 | $138 | $988 | $82 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $152 | $226 | $462 | $28 | $138 | $1,006 | $84 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific garaging location which can affect auto insurance rates greatly.
Higher deductibles lower rates
When comparing insurance rates, the most common question is what deductibles to buy. The comparison tables below show the price difference when you choose different comp and collision deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $220 | $274 | $326 | $20 | $98 | $963 | $80 |
| Wrangler Unlimited Sport 2WD 4-Dr | $220 | $274 | $408 | $24 | $122 | $1,073 | $89 |
| Wrangler Sport Islander Package 4WD 2-Dr | $220 | $350 | $326 | $20 | $98 | $1,039 | $87 |
| Wrangler Unlimited Sport 4WD 4-Dr | $252 | $274 | $408 | $24 | $122 | $1,105 | $92 |
| Wrangler Sahara 4WD 2-Dr | $252 | $350 | $326 | $20 | $98 | $1,071 | $89 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $252 | $274 | $408 | $24 | $122 | $1,105 | $92 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $252 | $274 | $408 | $24 | $122 | $1,105 | $92 |
| Wrangler Rubicon 4WD 2-Dr | $252 | $350 | $326 | $20 | $98 | $1,071 | $89 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $252 | $350 | $408 | $24 | $122 | $1,181 | $98 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $284 | $350 | $408 | $24 | $122 | $1,213 | $101 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $178 | $220 | $326 | $20 | $98 | $842 | $70 |
| Wrangler Unlimited Sport 2WD 4-Dr | $178 | $220 | $408 | $24 | $122 | $952 | $79 |
| Wrangler Sport Islander Package 4WD 2-Dr | $178 | $282 | $326 | $20 | $98 | $904 | $75 |
| Wrangler Unlimited Sport 4WD 4-Dr | $206 | $220 | $408 | $24 | $122 | $980 | $82 |
| Wrangler Sahara 4WD 2-Dr | $206 | $282 | $326 | $20 | $98 | $932 | $78 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $206 | $220 | $408 | $24 | $122 | $980 | $82 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $206 | $220 | $408 | $24 | $122 | $980 | $82 |
| Wrangler Rubicon 4WD 2-Dr | $206 | $282 | $326 | $20 | $98 | $932 | $78 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $206 | $282 | $408 | $24 | $122 | $1,042 | $87 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $232 | $282 | $408 | $24 | $122 | $1,068 | $89 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in your specific Lexington location which can lower or raise rates substantially.
Based on the above data, using a $250 deductible costs an average of $11 more each month or $132 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 23 months between claims, you would save money going with the higher deductible. Here is how you can decide this on your own policy.
| Average monthly premium for $250 deductibles: | $91 |
| Average monthly premium for $500 deductibles (subtract): | – $80 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
Jeep Wrangler insurance premiums by gender and age
The illustration below shows the difference between Jeep Wrangler yearly insurance costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Get discounts on Lexington auto insurance
Companies that sell car insurance do not list every discount they offer very clearly, so we took the time to find some of the best known and also the more inconspicuous auto insurance savings.
- Own a Home – Owning your own home or condo can save you money since owning and maintaining a home shows financial diligence.
- Payment Method – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
- Resident Student – Older children who live away from home to go to college and do not have a car may be insured at a cheaper rate.
- Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
- Defensive Driver Discounts – Successfully completing a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
- No Claims – Lexington drivers who stay claim-free have much lower rates in comparison with drivers with a long claim history.
- Drive Less and Save – Maintaining low annual mileage can qualify you for lower rates due to less chance of an accident.
- Telematics Devices – Insureds that choose to allow companies to look at where and when they drive remotely like Allstate’s Drivewise may see discounts if they show good driving skills.
- Seat Belts Save – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
- Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
We need to note that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The diagram below shows the difference between Jeep Wrangler auto insurance costs with and without discounts applied to the rates. The information is based on a male driver, no claims or driving citations, Kentucky 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 safe-driver, multi-car, multi-policy, claim-free, homeowner, and marriage discounts applied.
If you would like to see a list of auto insurance companies that offer the discounts shown above in Lexington, click here to view.
Compare rates but still have a local neighborhood Lexington car insurance agent
Some people just prefer to buy from a local agent and that can be a great decision One of the benefits of comparing rate quotes online is that drivers can save money and get cheap rate quotes and still have a local agent. And supporting neighborhood insurance agencies is especially important in Lexington.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to insurance agents in Lexington who will return price quotes for your business. It makes it easy because there is no need to contact any agents as quotes are delivered straight to your inbox. It’s the lowest rates and work with a local agent. If you want to get a price quote for a specific company, feel free to go to their quote page and fill out their quote form.
Not all car insurance agents are the same
If you are wanting to purchase auto insurance from a reliable insurance agent, it’s important to understand the different agency structures and how they are distinctly different. Lexington agents can be classified as either independent or exclusive.
Independent Agents (or Brokers)
Agents that elect to be independent are not restricted to one company and that gives them the ability to insure with lots of companies and find you cheaper rates. If your agent finds better pricing, they simply move your policy to a different company and the insured can keep the same agent. When comparing auto insurance prices, it’s recommended you compare quotes from several independent agencies to maximize your price options. Many independent agencies also insure through less well-known companies that many times have cheaper rates.
Featured below is a small list of independent insurance agencies in Lexington that may be able to give comparison quotes.
- Keystone Sills Insurance Agency
210 Malabu Dr – Lexington, KY 40502 – (859) 276-1881 – View Map - Lexington Insurance Agency, Inc.
465 E High St #101 – Lexington, KY 40507 – (859) 253-6570 – View Map - G.L. Herndon Insurance Agency
2220 Executive Dr #203 – Lexington, KY 40505 – (859) 286-7094 – View Map
Exclusive Agents
Exclusive agents can only quote rates from one company and examples are State Farm or Allstate. They generally cannot provide rate quotes from other companies so always compare other rates. Exclusive agents are well schooled on the products they sell which helps them sell insurance even at higher premiums. Some insured continue to buy from the same agent for years mostly because of high brand loyalty rather than having the cheapest rates.
Below is a list of exclusive agencies in Lexington that can give you rate quotes.
- State Farm: Clint Conrad
201 Ruccio Way #120 – Lexington, KY 40503 – (859) 276-4366 – View Map - Allstate Insurance: Mike Ison
2121 Richmond Rd Ste 145 – Lexington, KY 40502 – (859) 268-8850 – View Map - State Farm: Mike Brownell
501 Darby Creek Rd – Lexington, KY 40509 – (859) 543-8454 – View Map
Deciding on an insurance agent needs to be determined by more than just the bottom line cost. A good agent in Lexington will have answers to these questions.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they get paid more for recommending certain coverages?
- Do they offer accident forgiveness?
- How would your car be valued if totaled?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they able to provide referrals?
- Do they offer claims assistance after hours?
After receiving good feedback to any questions you may have as well as inexpensive Jeep Wrangler insurance in Lexington quotes, chances are good that you have found an auto insurance agent that can be relied on to properly insure your vehicles. Keep in mind you are able to cancel coverage any time you want so never assume you’re contractually obligated to any particular company for a certain time period.
Lexington auto insurance companies
Insuring your vehicle with a highly-rated auto insurance company can be a challenge considering how many choices you have in Lexington. The ranking data below could help you decide which car insurance companies you want to consider when shopping your coverage around.
Top 10 Lexington Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Top 10 Lexington Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Erie Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
- Allstate – A+
Quote more and you will save more
Drivers switch companies for many reasons like high prices, an unsatisfactory settlement offer, questionable increases in premium or even unfair underwriting practices. Regardless of your reason, choosing a new company can be less work than you think.
When you buy Lexington car insurance online, do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best possible price while still protecting your assets.
In this article, we presented some good ideas how you can reduce Jeep Wrangler insurance rates online in Lexington. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable Lexington car insurance quotes. Consumers may even find the best rates are with some of the lesser-known companies.
How to buy cheaper Jeep Wrangler insurance in Lexington
It takes a few minutes, but the best way to get more affordable Jeep Wrangler insurance is to regularly compare prices from insurance carriers who provide car insurance in Lexington. You can shop around by completing these steps.
- Get a basic knowledge of what coverages are included in your policy and the changes you can make to keep rates down. Many rating criteria that result in higher rates such as your driving record and a less-than-favorable credit score can be amended by making minor driving habit or lifestyle changes.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
- Compare the new quotes to the premium of your current policy to determine if you can save on Wrangler insurance. If you can save money and switch companies, make sure there is no lapse in coverage.
- Provide adequate notice to your current company to cancel your current coverage and submit the required down payment along with the signed application to the new insurer. Once the application is submitted, keep your new proof of insurance certificate with the vehicle registration.
One tip to remember is to use identical coverages on each price quote and and to get rates from every company you can. Doing this helps ensure a fair rate comparison and the best price quote selection.
Additional learning opportunities
- Think You’re a Safe Driver? (State Farm)
- Who Has Cheap Car Insurance Quotes for First-time Drivers in Lexington? (FAQ)
- How Much is Car Insurance for Electric Cars in Lexington? (FAQ)
- Who Has Cheap Lexington Auto Insurance Quotes for a Subaru Impreza? (FAQ)
- Who Has Cheap Car Insurance Quotes for 17 Year Olds in Lexington? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Fusion in Lexington? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a 20 Year Old Male in Lexington? (FAQ)
- How Much are Car Insurance Quotes for a Toyota Corolla in Lexington? (FAQ)
- Who Has the Cheapest Car Insurance for a Honda Accord in Lexington? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Tread Depth and Tire Safety (State Farm)
- What is Covered by GAP Insurance? (Allstate)
- Medical Payments Coverage (Liberty Mutual)