Compare Jeep Wrangler Insurance Rates in Plano

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Insurance for Jeep WranglerHave you had enough of not being able to scrape enough together each month for insurance? You are no different than many other Texas drivers.

It's astonishing, but almost 70% of insureds have been with the same company for four years or more, and 38% of customers have never taken the time to shop around. The average driver in Texas could pocket about 70% a year just by comparing rates, but they won't spend time to compare rates and save money.

Steps to finding discount Jeep Wrangler insurance in Plano

The recommended way to get cheaper Jeep Wrangler insurance is to compare prices once a year from different companies who sell insurance in Plano. Drivers can shop around by following these guidelines.

  • Step 1: Gain an understanding of how insurance companies determine prices and the things you can change to keep rates low. Many policy risk factors that result in higher prices like multiple speeding tickets and a poor credit rating can be remedied by making minor driving habit or lifestyle changes. This article gives more information to help keep prices low and find hidden discounts.
  • Step 2: Request rate estimates 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 independent agents can provide prices from multiple companies.
  • Step 3: Compare the price quotes to your current policy premium to see if a cheaper price is available. If you find a better price and change companies, ensure coverage does not lapse between policies.
  • Step 4: Provide adequate notice to your current company of your intention to cancel your existing policy and submit a down payment and signed policy application for your new coverage. Immediately place the new certificate verifying proof of insurance in an accessible location in your vehicle.

The key thing to know about shopping around is to try to compare identical limits and deductibles on every price quote and and to analyze all possible companies. Doing this helps ensure a level playing field and maximum price selection.

Popular companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with fancy advertisements and it is difficult to not get sucked in by the cute commercials and find the best price available.

Lower-cost Jeep Wrangler insurance rates in Plano

Companies that sell car insurance don't always publicize all possible discounts in an easy-to-find place, so we took the time to find a few of the more well known as well as some of the hidden ways to save on auto insurance.Discount auto insurance

  • Passive Restraints - Options like air bags could see savings as much as 30%.
  • Discount for Swiching Early - A few auto insurance companies give discounts for buying a new policy prior to the expiration date on your current Wrangler insurance policy. You may see this discount when you get Plano car insurance quotes online.
  • Drive Less and Save - Low mileage vehicles can earn better prices on cars that stay parked.
  • Driver Education Discount - It's a good idea to have your young drivers enroll and complete driver's education if it's offered in school.
  • Sign Online - A handful of auto insurance companies will give you a small discount simply for signing on the web.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, you won't be that lucky.

The illustration below shows the comparison of Jeep Wrangler insurance costs with and without discounts applied. The price estimates are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, marriage, and safe-driver discounts applied.

Companies and some of the discounts are included below.

  • Progressive includes discounts for multi-vehicle, homeowner, multi-policy, online quote discount, continuous coverage, online signing, and good student.
  • Farmers Insurance offers discounts including alternative fuel, good student, youthful driver, bundle discounts, switch companies, and mature driver.
  • Farm Bureau may include discounts for driver training, multi-vehicle, good student, multi-policy, 55 and retired, safe driver, and renewal discount.
  • State Farm has discounts for defensive driving training, safe vehicle, multiple policy, accident-free, Drive Safe & Save, good student, and anti-theft.
  • GEICO may have discounts that include federal employee, driver training, defensive driver, anti-theft, and multi-policy.
  • SAFECO has savings for multi-car, anti-lock brakes, teen safety rewards, accident prevention training, homeowner, anti-theft, and bundle discounts.
  • Liberty Mutual may offer discounts for newly retired, good student, multi-policy, hybrid vehicle, new move discount, and exclusive group savings.

It's a good idea to ask each insurance company the best way to save money. Some discounts listed above might not be available to policyholders in Plano. To choose auto insurance companies that offer multiple discounts in Plano, click this link.

The quickest method to get policy rate comparisons for Jeep Wrangler insurance in Plano utilizes the fact most larger insurance companies allow for online access to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a little information such as the make and model of your vehicles, your general credit rating, if you are currently licensed, and the ages of drivers. That rating data is submitted instantly to multiple top-rated companies and they return rate quotes almost instantly.

To get price quotes for your Jeep Wrangler now, click here and enter your coverage details.

The auto insurance companies shown below offer comparison quotes in Texas. If you wish to find cheaper auto insurance in TX, it's highly recommended you compare several of them to get the best price comparison.

Analysis of coverages

The data table displayed below covers different coverage costs for Jeep Wrangler models. Being able to understand how insurance prices are established is important for drivers to make decisions when shopping around.

Jeep Wrangler Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $238 $258 $500 $30 $150 $1,176 $98
Wrangler Unlimited Sport 2WD 4-Dr $238 $258 $624 $36 $186 $1,342 $112
Wrangler Sport Islander Package 4WD 2-Dr $238 $328 $500 $30 $150 $1,246 $104
Wrangler Unlimited Sport 4WD 4-Dr $272 $258 $624 $36 $186 $1,376 $115
Wrangler Sahara 4WD 2-Dr $272 $328 $500 $30 $150 $1,280 $107
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $272 $258 $624 $36 $186 $1,376 $115
Wrangler Unlimited Sahara 2WD 4-Dr $272 $258 $624 $36 $186 $1,376 $115
Wrangler Rubicon 4WD 2-Dr $272 $328 $500 $30 $150 $1,280 $107
Wrangler Unlimited Sahara 4WD 4-Dr $272 $328 $624 $36 $186 $1,446 $121
Wrangler Unlimited Rubicon 4WD 4-Dr $308 $328 $624 $36 $186 $1,482 $124
Get Your Own Custom Quote Go

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in zip code location which can lower or raise premium rates noticeably.

Rate comparison for different deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The figures shown below highlight the rate differences between low and high deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.

Jeep Wrangler insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $256 $320 $382 $22 $114 $1,119 $93
Wrangler Unlimited Sport 2WD 4-Dr $256 $320 $476 $28 $142 $1,247 $104
Wrangler Sport Islander Package 4WD 2-Dr $256 $408 $382 $22 $114 $1,207 $101
Wrangler Unlimited Sport 4WD 4-Dr $294 $320 $476 $28 $142 $1,285 $107
Wrangler Sahara 4WD 2-Dr $294 $408 $382 $22 $114 $1,245 $104
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $294 $320 $476 $28 $142 $1,285 $107
Wrangler Unlimited Sahara 2WD 4-Dr $294 $320 $476 $28 $142 $1,285 $107
Wrangler Rubicon 4WD 2-Dr $294 $408 $382 $22 $114 $1,245 $104
Wrangler Unlimited Sahara 4WD 4-Dr $294 $408 $476 $28 $142 $1,373 $114
Wrangler Unlimited Rubicon 4WD 4-Dr $332 $408 $476 $28 $142 $1,411 $118
Get Your Own Custom Quote Go
Jeep Wrangler insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $208 $258 $382 $22 $114 $984 $82
Wrangler Unlimited Sport 2WD 4-Dr $208 $258 $476 $28 $142 $1,112 $93
Wrangler Sport Islander Package 4WD 2-Dr $208 $328 $382 $22 $114 $1,054 $88
Wrangler Unlimited Sport 4WD 4-Dr $240 $258 $476 $28 $142 $1,144 $95
Wrangler Sahara 4WD 2-Dr $240 $328 $382 $22 $114 $1,086 $91
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $240 $258 $476 $28 $142 $1,144 $95
Wrangler Unlimited Sahara 2WD 4-Dr $240 $258 $476 $28 $142 $1,144 $95
Wrangler Rubicon 4WD 2-Dr $240 $328 $382 $22 $114 $1,086 $91
Wrangler Unlimited Sahara 4WD 4-Dr $240 $328 $476 $28 $142 $1,214 $101
Wrangler Unlimited Rubicon 4WD 4-Dr $270 $328 $476 $28 $142 $1,244 $104
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in zip code location which can raise or lower premiums significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $12 more each month or $144 a year than quoting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 21 months between claims, you would more than likely save some money if you elect the higher deductible.

The information below demonstrates how deductibles and can raise or lower Jeep Wrangler insurance prices for different age groups. The premium estimates are based on a married male driver, comp and collision included, and no policy discounts are applied.

Should you buy full coverage?

The illustration below illustrates the comparison of Jeep Wrangler insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Guidelines for eliminating full coverage

There is no clear-cut formula to stop buying physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's assume your Jeep Wrangler settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after the deductible is paid. If premium cost is more than $800 a year for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where only buying liability is not a good idea. If you haven't paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

How do I know if I need professional advice?

Keep in mind that when it comes to choosing coverage, there really is not a one-size-fits-all type of policy. Your situation is unique and your policy should reflect that.Drive safe and save These are some specific questions may help you determine if your insurance needs would benefit from an agent's advice.

  • Can I get a multi-policy discount?
  • Am I covered when delivering products for my home-based business?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I carry comprehensive and collision coverage?
  • Is my Jeep Wrangler covered for smoke damage?
  • I have health insurance so do I need medical payments coverage?

If you're not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

What if I want to buy from local Plano auto insurance agents?

Some consumers just prefer to get advice from a local agent and often times that is recommended The biggest benefit of comparing car insurance online is the fact that drivers can get the best rates and still have an agent to talk to.

Find insurance agent in PlanoAfter completing this form (opens in new window), the quote information is instantly submitted to companies in Plano that can give you free Plano car insurance quotes for your business. You won't need to contact an agency because prices are sent to you. You can find better rates and a licensed agent to work with. If you have a need to compare prices from a particular provider, feel free to search and find their rate quote page and fill out their quote form.

Finding the right insurance company requires more thought than just the bottom line cost. You should also get answers to these questions.

  • Can you use your own choice of collision repair facility?
  • How will an accident affect your rates?
  • How long have they worked with personal auto insurance coverage?
  • How long have they been in business?
  • Are claims handled at the agent's location?
  • What company holds the largest book of business for them?

Car insurance agents in Plano come in two varieties

If you want to use a reliable insurance agency, you must know there are a couple different types of agents and how they are distinctly different. Car insurance policy providers are categorized either exclusive or independent (non-exclusive).

Exclusive Car Insurance Agencies

Agents that choose to be exclusive can only provide one company's prices and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot give you multiple price quotes so keep that in mind. Exclusive agents are usually well trained on sales techniques and that enables them to sell even at higher rates.

Listed below are Plano exclusive agents who may provide you with rate quotes.


3308 Preston Rd #300 - Plano, TX 75093 - (972) 758-1111 - View Map


1729 N Central Expy Suite A - Plano, TX 75075 - (972) 509-5600 - View Map


3020 Legacy Dr #190 - Plano, TX 75023 - (972) 208-3705 - View Map

More Plano agents

Independent Agencies or Brokers

Agents that choose to be independent often have many company appointments so they have the ability to put coverage amongst many companies and get the cheapest rates. If prices rise, they simply move your policy to a different company and you don't have to switch agencies.

When comparing car insurance prices, we recommend you include price quotes from independent agents in order to have the best price comparison.

Below is a short list of independent agencies in Plano who can help you get rate quotes.


903 18th St Ste 124 - Plano, TX 75074 - (972) 424-4209 - View Map


5600 Tennyson Pkwy #243 - Plano, TX 75024 - (972) 665-9975 - View Map


704 E 15th St #205 - Plano, TX 75074 - (972) 424-2993 - View Map

More Plano agents

Be persistent and save

Lower-priced auto insurance in Plano can be found on the web as well as from independent agents in Plano, and you should be comparing both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and many times these regional insurance providers provide coverage only through independent agents.

When you buy Plano car insurance online, it's a bad idea to skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

Steps to finding better rates for Jeep Wrangler insurance in Plano

Really, the only way to get budget car insurance rates in Plano is to compare prices annually from insurance carriers in Texas. Prices can be compared by following these steps.

  • First, it will benefit you to learn about how car insurance works and the modifications you can make to keep rates down. Many rating factors that are responsible for high rates such as speeding and a not-so-good credit score can be remedied by being financially responsible and driving safely.
  • Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of insurance providers.
  • Third, compare the quotes to your current policy to determine if switching companies saves money. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Fourth, provide notification to your current agent or company of your intent to cancel your current car insurance policy. Submit a signed application and payment to the new company. Immediately upon receiving it, place your new proof of insurance certificate somewhere easily accessible.

The key thing to remember is to use similar deductibles and liability limits on every price quote and and to analyze every company you can. Doing this provides a fair rate comparison and maximum price selection.

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