Finding economical car insurance for a Jeep Wrangler in Indiana is pretty easy for most people, but it relies on many rating criteria such as the age of the Wrangler, whether or not you have filed claims in the past, and any prior driving offenses. Drivers in Indiana pay around $787 each year to insure their Wrangler, but that figure is calculated based on a 50-year-old single male driver with full physical damage coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you’re not a 50-year-old male, possibly married instead of single, or maybe your Wrangler is old enough that it doesn’t require full coverage. Even a slight difference in the rating criteria used to formulate rates can result in a large change in rates.
The different assumptions illustrate why the only way to find affordable rates for your Jeep is to just compare rates yourself.
The trim level of your Wrangler will have an impact the insurance rate, so the cost to insure a Wrangler Sport 4WD 2-Dr will cost $202 less than the price to insure the higher-priced Wrangler Unlimited Rubicon 4WD 4-Dr version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $132 | $196 | $318 | $18 | $94 | $758 | $63 |
| Wrangler Unlimited Sport 2WD 4-Dr | $132 | $196 | $396 | $24 | $118 | $866 | $72 |
| Wrangler Sport Islander Package 4WD 2-Dr | $132 | $250 | $318 | $18 | $94 | $812 | $68 |
| Wrangler Unlimited Sport 4WD 4-Dr | $152 | $196 | $396 | $24 | $118 | $886 | $74 |
| Wrangler Sahara 4WD 2-Dr | $152 | $250 | $318 | $18 | $94 | $832 | $69 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $152 | $196 | $396 | $24 | $118 | $886 | $74 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $152 | $196 | $396 | $24 | $118 | $886 | $74 |
| Wrangler Rubicon 4WD 2-Dr | $152 | $250 | $318 | $18 | $94 | $832 | $69 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $152 | $250 | $396 | $24 | $118 | $940 | $78 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $172 | $250 | $396 | $24 | $118 | $960 | $80 |
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can affect coverage prices noticeably.
Ending up with a highly-rated car insurance provider can be a challenge considering how many companies are available to choose from in Indiana. The ranking information displayed below can help you decide which coverage providers to look at purchasing from. These rankings are only comprised of companies with a nationwide focus, so smaller companies are not factored into this list.
Top 10 Large Car Insurance Companies in Fort Wayne Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
The information below demonstrates how choosing different deductibles can impact premium costs when getting quotes for cheap insurance for a Jeep Wrangler. The data is based on a married female driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower rates by $232 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $352 by using a $1,000 deductible. Youthful drivers, like the 20-year-old, could lower their rates up to $496 or more by choosing a larger deductible amount. When choosing a higher deductible, it will be necessary to have enough funds in savings to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Don’t make the mistake of not shopping around
Indiana insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay for coverage. Simply having a birthday, moving to a different location, or having a fender bender may generate price changes that may make certain companies cheaper than competitors. Not only may your risk profile change, but companies change rates without warning to ensure their profitability. Unexpectedly high claims can result in higher prices, while a lower level of claims may produce more affordable Wrangler insurance rates.
To help illustrate this point, the bar chart below shows a variety of companies that have the cheapest car insurance in Fort Wayne, IN for a 35-year-old male driver with no prior claims, no tickets, and excellent credit. If we compare prices based on his current rating profile, Travelers may have the lowest car insurance rates in Fort Wayne at $621 each year. This is $619 less than the average policy premium paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve are also included in the cheapest Fort Wayne, IN auto insurance companies.
In this example, we will give the driver from the first set of rates an at-fault accident, a little lower credit rating, and a blemish on his driving record. Since each auto insurer has a different process to set policy rates, analyzing rates may result in a new list of affordable Fort Wayne car insurance companies as shown below.
The Hartford now has the best auto insurance rate in Fort Wayne with Cincinnati Insurance, Auto-Owners, Utica National, and Motorists Mutual also having competitive pricing. This example illustrates why it is so important to do a thorough rate comparison when trying to find the most affordable car insurance rates for a Jeep Wrangler.
Prices can be altered by many risk factors and change dramatically, so the most economical company two years ago may now cost much more than other companies.
How to find more affordable car insurance for a Jeep Wrangler
Here are some money-saving suggestions that can help Fort Wayne drivers quote low-cost auto insurance.
- Avoid at-fault accidents and claims
- Clean up your credit
- Save money by bundling your home and auto policies
- Do not pay for full coverage if not needed
- Safer vehicles generally have cheaper insurance rates
- Ensure you have the best deal by shopping around regularly
That last idea is notably vital, as was affirmed in the prior information. Car insurance prices fluctuate considerably, so drivers shouldn’t be reluctant to switch carriers if a cheaper price is available. Many drivers prefer to stick with one company, but it’s not a good idea if that devotion results in you overpaying a fortune every year. Now is a great time to shop around to find cheaper car insurance for a Jeep Wrangler in Fort Wayne.
If you would rather get help from a professional when trying to find the best insurance rates for a Jeep Wrangler, the agents below can most likely help you make a decision which insurance coverage will be best for you. To locate a Fort Wayne auto insurance agent close to where you live, click the button at the bottom of the list or click here to compare price quotes now.
Allstate Insurance: Kevin Gwozdz
5721 Covington Rd – Fort Wayne, IN 46804 – (260) 436-2866
Farmers Insurance – Shea Smith
1104 W State Blvd – Fort Wayne, IN 46808 – (260) 420-2000
Northern Insurance
7113 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 969-5613
Terry Anderson – State Farm Insurance Agent
5668 St Joe Rd – Fort Wayne, IN 46835 – (260) 486-8663
Lupke Rice Insurance-Financial
127 W Berry St # 500 – Fort Wayne, IN 46802 – (260) 424-4150