Has it been a year or more since you last compared quotes for more affordable Jeep Wrangler insurance in San Diego? Perplexed by the crazy number of insurance choices that you can choose from? Drivers have so many options that it is a challenge to locate the lowest premium rates for Jeep Wrangler insurance in San Diego. San Diego is a wonderful place to live, but getting gouged by high insurance rates makes it impossible to maintain proper levels of coverage.
Unimaginable but true, almost 70% of drivers have remained with the same insurance company for more than four years, and almost 40% of drivers have never even shopped around for affordable coverage. Consumers in California can save about 35% each year, but they just don’t understand the rate savings if they switch to a new company.
Our objective in writing this article is to help you learn how car insurance companies work and some tricks to saving. If you have coverage now, you will be able to get lower rates using this strategy. Nevertheless, California vehicle owners must know how companies calculate their prices because rates fluctuate considerably.
Cheaper San Diego insurance quotes with discounts
Insurance is neither fun to buy or cheap, but you may qualify for discounts that could drop your premiums quite a bit. A few discounts will be applied at the time you complete a quote, but some must be asked for prior to receiving the credit.
- Own a Home and Save – Owning your own home or condo can save a few bucks since home ownership shows financial diligence.
- Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
- Distant Student – Children who are enrolled in a college that is more than 100 miles from San Diego and don’t have a car could get you a discount.
- Organization Discounts – Joining qualifying employment or professional organizations could earn you a nice discount on insurance.
- Good Student Discount – Excelling in school can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Discount for Life Insurance – Insurance carriers who offer life insurance give better rates if you take out life insurance.
- Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
- Multiple Policy Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
- Mature Driver Discount – If you qualify as a senior citizen, you may qualify for a small discount on rates.
Don’t be surprised that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will help lower your policy cost.
Auto insurance companies that may offer these benefits are:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
Before purchasing a policy, check with every prospective company which discounts you may be entitled to. Some discounts listed above might not be offered on policies in San Diego. To choose insurers that offer discounts in California, click here.
Most larger insurance companies give prices for coverage from their websites. Doing online price comparisons for Jeep Wrangler insurance in San Diego is quite easy as you simply type in your coverage information on the page. Once you submit the form, the system pulls your driving record and credit report and provides a quote based on the data you entered.
Quoting online for Jeep Wrangler insurance in San Diego helps simplify price comparisons, and it’s also necessary to have as many quotes as possible in order to get cheaper prices.
In order to find out how much you’re overpaying now, compare rates now from the companies shown below. If you have coverage now, it’s recommended you complete the form with the insurance coverages as close as possible to your current policy. Doing this guarantees you will be getting a price comparison based on the exact same insurance coverage.
The companies shown below can provide price quotes in California. If several companies are displayed, we recommend you visit two to three different companies in order to find the lowest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $256 | $382 | $500 | $30 | $150 | $1,318 | $110 |
| Wrangler Unlimited Sport 2WD 4-Dr | $298 | $370 | $552 | $32 | $166 | $1,418 | $118 |
| Wrangler Sport Islander Package 4WD 2-Dr | $220 | $350 | $456 | $26 | $136 | $1,188 | $99 |
| Wrangler Unlimited Sport 4WD 4-Dr | $434 | $442 | $724 | $42 | $216 | $1,858 | $155 |
| Wrangler Sahara 4WD 2-Dr | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $296 | $376 | $530 | $32 | $158 | $1,392 | $116 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $182 | $240 | $624 | $36 | $186 | $1,268 | $106 |
| Wrangler Rubicon 4WD 2-Dr | $266 | $402 | $424 | $26 | $126 | $1,244 | $104 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $262 | $392 | $520 | $30 | $156 | $1,360 | $113 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $270 | $392 | $624 | $36 | $186 | $1,508 | $126 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in garaging location in San Diego which can raise or lower premiums significantly.
Comparison of policy deductibles
A question often asked by San Diego drivers is how high should the physical damage coverage deductibles be. The tables below help summarize the differences in premium rates when you choose different physical damage deductibles. The first set of prices uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $332 | $442 | $442 | $26 | $132 | $1,399 | $117 |
| Wrangler Unlimited Sport 2WD 4-Dr | $332 | $442 | $552 | $32 | $166 | $1,549 | $129 |
| Wrangler Sport Islander Package 4WD 2-Dr | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Wrangler Unlimited Sport 4WD 4-Dr | $380 | $442 | $552 | $32 | $166 | $1,597 | $133 |
| Wrangler Sahara 4WD 2-Dr | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $380 | $442 | $552 | $32 | $166 | $1,597 | $133 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $380 | $442 | $552 | $32 | $166 | $1,597 | $133 |
| Wrangler Rubicon 4WD 2-Dr | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $380 | $564 | $552 | $32 | $166 | $1,719 | $143 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $430 | $564 | $552 | $32 | $166 | $1,769 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Wrangler Unlimited Sport 2WD 4-Dr | $242 | $298 | $552 | $32 | $166 | $1,290 | $108 |
| Wrangler Sport Islander Package 4WD 2-Dr | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Wrangler Unlimited Sport 4WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Sahara 4WD 2-Dr | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Rubicon 4WD 2-Dr | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $278 | $382 | $552 | $32 | $166 | $1,410 | $118 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $314 | $382 | $552 | $32 | $166 | $1,446 | $121 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in zip code location which can impact coverage rates substantially.
Based on this data, using a $100 deductible will cost in the ballpark of $23 more each month or $276 every year than choosing the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 17 months between claim filings, you would most likely save money going with the higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $132 |
| Average monthly premium for $500 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
Liability only or full coverage
The information below illustrates the comparison of Jeep Wrangler insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on no driving violations, no at-fault accidents, $100 deductibles, single male driver, and no policy discounts are applied.
When to drop comprehensive and collision coverage
There is no exact formula for eliminating physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Jeep Wrangler settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your policy deductible. If you are paying in excess of $800 a year to have full coverage, then it could be time to drop full coverage.
There are a few situations where removing full coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Comparison of policy deductibles
The example below shows how choosing a deductible and can raise or lower Jeep Wrangler insurance prices for different categories of driver ages. The rate quotes are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Tailor your auto insurance coverage to you
Always keep in mind that when comparing your policy for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are unique to you.
These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.
- Am I covered if I drive in a foreign country?
- When can I cancel my policy?
- Who is covered by my policy?
- Does my liability insurance cover pulling a trailer or camper?
- Does medical payments coverage apply to all occupants?
- How much underlying liability do I need for an umbrella policy?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.
Compare prices but buy from a local San Diego insurance agency
Some people would prefer to talk to a local agent and that is a personal choice. One of the benefits of getting free rate quotes online is you can get the best rates and still choose a local agent. Buying from neighborhood insurance agencies is definitely important in San Diego.
After completing this quick form, your information is transmitted to local insurance agents in San Diego that give free quotes and help you find cheaper coverage. You never need to leave your computer because quoted prices will be sent to the email address you provide. You can find better rates and a licensed agent to talk to. If you want to compare rates from a particular provider, just visit that company’s website and fill out the quote form the provide.
When finding a reputable agency, it’s important to understand the different types of agencies that differ in how they can insure your vehicles. Agents in San Diego can be categorized as either independent (non-exclusive) or exclusive.
Independent Insurance Agents (or Brokers)
Independent agents are not employed by one company so they can insure your vehicles with many different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you don’t have to do anything.
When comparing rates, it’s recommended you include price quotes from multiple independent agents for maximum quote selection. Many can place coverage with different regional companies that may have much lower rates than larger companies.
Below is a small list of independent agents in San Diego that can give you rate quotes.
- Springbrook Insurance Agency
10650 Treena St #105 – San Diego, CA 92131 – (858) 391-3001 ext. 105 – View Map - Kostyo Insurance Agency
4456 Vandever Ave #10 – San Diego, CA 92120 – (619) 325-3600 – View Map - B H Gold Insurance
9699 Tierra Grande St # 100 – San Diego, CA 92126 – (800) 421-4653 – View Map
Exclusive Insurance Agents
Exclusive agencies can only provide one company’s prices and some examples include Allstate and State Farm. These agents are not able to compare other company’s rates so always compare other rates. Exclusive agents receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates. Some people will only use the same exclusive agent mostly because of the prominence of the brand rather than low price.
Shown below are San Diego exclusive insurance agents that are able to give comparison quotes.
- Allstate Insurance: Jing Zeng Financial and Insurance Service
7323 Convoy Ct # B111 – San Diego, CA 92111 – (858) 268-7010 – View Map - Farmers Insurance – Aaron Farmer
7960 Silverton Ave #202 – San Diego, CA 92126 – (858) 689-0466 – View Map - Allstate Insurance: David James
8333 Clairemont Mesa Blvd Ste 110 – San Diego, CA 92111 – (858) 278-4880 – View Map
Deciding on an insurance agent requires you to look at more than just the quoted price. The following questions are important to ask.
- Is insurance their full-time profession?
- Do you qualify for any additional discounts?
- Can they help ensure a fair claim settlement?
- Do they assist clients in filing claims?
- Will one accident increase rates?
- Can glass repairs be made at your home?
- Do they see any coverage gaps in your plan?
Upon receiving positive feedback to your questions and locked in a price quote, chances are good that you have found an insurance agent that can be trusted to service your policy.
Frequent quotes can save
Consumers leave their current company for a variety of reasons including not issuing a premium refund, poor customer service, delays in paying claims or even questionable increases in premium. No matter why you want to switch, finding the right insurance provider is not as hard as you think.
We covered many ways to get a better price on Jeep Wrangler insurance in San Diego. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates come from a lesser-known regional company.
There are still a few companies who may not provide online quoting and usually these regional insurance providers prefer to sell through independent agents. Cheaper insurance in San Diego is attainable on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from.
Additional information is available below:
- Teen Driving Statistics (GEICO)
- Who Has the Cheapest San Diego Car Insurance Quotes for a Nissan Rogue? (FAQ)
- How Much is Auto Insurance for Single Moms in San Diego? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Teenage Males in San Diego? (FAQ)
- How Much is San Diego Car Insurance for College Students? (FAQ)
- Who Has Affordable Auto Insurance for a 20 Year Old Female in San Diego? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Car Insurance FAQ (Trusted Choice)