Want to learn how to buy lower-priced Jeep Wrangler insurance in Atlanta? Purchasing lower-cost Atlanta Jeep Wrangler insurance quotes online can appear to be rather challenging for beginners to comparing rates over the internet. Since there are so many companies in the marketplace, how can you effectively compare every one to find the best pricing?
A recent auto insurance study discovered that 70% of consumers kept their policy with the same company for more than four years, and almost half have never shopped around. Georgia drivers could pocket about $1,000 a year by just shopping around, but they underestimate the big savings they would realize if they switched to a more affordable policy.
Finding affordable insurance coverage in Atlanta can be made easier if you know where to look. If you are already insured, you will be able to save money using the ideas you’re about to read. Nevertheless, Georgia car owners benefit from understanding how the larger insurance companies determine what you pay because rates fluctuate considerably.
Cut your auto insurance rates with these eight discounts
Auto insurance companies don’t always advertise every policy discount in an easy-to-find place, so the next list breaks down some of the best known and also the more inconspicuous credits available to lower your premiums when you buy Atlanta car insurance online.
- Braking Control Discount – Cars and trucks with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
- Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Defensive Driver Discount – Taking a defensive driving course is a good idea and can lower rates if you qualify.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote Atlanta car insurance with some auto insurance companies.
- Telematics Devices – Policyholders that allow their company to look at driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.
- Multi-car Discount – Drivers who insure multiple cars or trucks with one company can get a discount for every vehicle.
- Sign Online – Many insurance companies provide a small discount get Atlanta car insurance over the internet.
- Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with one company you may save over 10 percent off each policy depending on the company.
It’s important to understand that many deductions do not apply to the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, auto insurance companies aren’t that generous.
Large auto insurance companies and a selection of discounts can be found below.
- State Farm may include discounts for good driver, Drive Safe & Save, passive restraint, multiple policy, multiple autos, defensive driving training, and anti-theft.
- Liberty Mutual may offer discounts for newly married, good student, newly retired, multi-car, and hybrid vehicle.
- American Family offers discounts including accident-free, mySafetyValet, TimeAway discount, good driver, and bundled insurance.
- Progressive includes discounts for continuous coverage, multi-policy, online signing, homeowner, multi-vehicle, good student, and online quote discount.
- Farmers Insurance discounts include multi-car, alternative fuel, early shopping, youthful driver, good student, electronic funds transfer, and teen driver.
- Auto-Owners Insurance offers premium reductions for paperless, multiple vehicles, student away at school, group or association, paid in full, and good student.
- SAFECO has savings for anti-lock brakes, anti-theft, homeowner, teen safety rewards, drive less, multi-car, and safe driver.
Check with each insurance company which credits you are entitled to. Savings may not apply to policies in your area. To find auto insurance companies that offer some of these discounts in Georgia, click here to view.
The quickest method to compare rates for Jeep Wrangler insurance in Atlanta is to know the trick most of the larger companies provide online access to give free rates quotes. To get started, all you need to do is provide the companies a bit of rating information including the year, make and model of vehicles, if a SR-22 is required, whether your vehicle is owned or leased, and how much school you completed. Your rating data is instantly provided to many different companies and they provide comparison quotes instantly to find the best rate.
To get price quotes for your Jeep Wrangler now, click here then complete the form.
The car insurance companies shown below provide free rate quotes in Atlanta, GA. If more than one company is shown, we recommend you click on several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $140 | $204 | $444 | $26 | $134 | $948 | $79 |
| Wrangler Unlimited Sport 2WD 4-Dr | $128 | $176 | $472 | $28 | $142 | $946 | $79 |
| Wrangler Sport Islander Package 4WD 2-Dr | $228 | $412 | $414 | $24 | $124 | $1,202 | $100 |
| Wrangler Unlimited Sport 4WD 4-Dr | $292 | $386 | $556 | $32 | $166 | $1,432 | $119 |
| Wrangler Sahara 4WD 2-Dr | $240 | $332 | $402 | $24 | $120 | $1,118 | $93 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $224 | $244 | $506 | $30 | $152 | $1,156 | $96 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $304 | $330 | $492 | $30 | $148 | $1,304 | $109 |
| Wrangler Rubicon 4WD 2-Dr | $282 | $340 | $516 | $30 | $154 | $1,322 | $110 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $292 | $492 | $556 | $32 | $166 | $1,538 | $128 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $382 | $502 | $492 | $30 | $148 | $1,554 | $130 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in Atlanta location which can increase or decrease price quotes greatly.
Comparison of policy deductibles
The chart below demonstrates how deductibles and can influence Jeep Wrangler insurance costs for each age group. The price estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.
Higher deductibles lower rates
When comparing car insurance rates, the most common question is at what level do you set your deductibles. The following insurance rates help summarize the differences in price when you choose different deductibles. The first price estimate table uses a $250 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $264 | $330 | $394 | $24 | $118 | $1,155 | $96 |
| Wrangler Unlimited Sport 2WD 4-Dr | $264 | $330 | $492 | $30 | $148 | $1,289 | $107 |
| Wrangler Sport Islander Package 4WD 2-Dr | $264 | $420 | $394 | $24 | $118 | $1,245 | $104 |
| Wrangler Unlimited Sport 4WD 4-Dr | $304 | $330 | $492 | $30 | $148 | $1,329 | $111 |
| Wrangler Sahara 4WD 2-Dr | $304 | $420 | $394 | $24 | $118 | $1,285 | $107 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $304 | $330 | $492 | $30 | $148 | $1,329 | $111 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $304 | $330 | $492 | $30 | $148 | $1,329 | $111 |
| Wrangler Rubicon 4WD 2-Dr | $304 | $420 | $394 | $24 | $118 | $1,285 | $107 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $304 | $420 | $492 | $30 | $148 | $1,419 | $118 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $344 | $420 | $492 | $30 | $148 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $216 | $266 | $394 | $24 | $118 | $1,018 | $85 |
| Wrangler Unlimited Sport 2WD 4-Dr | $216 | $266 | $492 | $30 | $148 | $1,152 | $96 |
| Wrangler Sport Islander Package 4WD 2-Dr | $216 | $340 | $394 | $24 | $118 | $1,092 | $91 |
| Wrangler Unlimited Sport 4WD 4-Dr | $248 | $266 | $492 | $30 | $148 | $1,184 | $99 |
| Wrangler Sahara 4WD 2-Dr | $248 | $340 | $394 | $24 | $118 | $1,124 | $94 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $248 | $266 | $492 | $30 | $148 | $1,184 | $99 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $248 | $266 | $492 | $30 | $148 | $1,184 | $99 |
| Wrangler Rubicon 4WD 2-Dr | $248 | $340 | $394 | $24 | $118 | $1,124 | $94 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $248 | $340 | $492 | $30 | $148 | $1,258 | $105 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $278 | $340 | $492 | $30 | $148 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in Atlanta location which can lower or raise auto insurance rates considerably.
We can derive from the above data that using a $250 deductible costs about $12 more each month or $144 a year than opting for the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 21 months between claims, you would save money going with the higher deductible. Here’s an example of how this decision is made.
| Average monthly premium for $250 deductibles: | $109 |
| Average monthly premium for $500 deductibles (subtract): | – $97 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One big caveat is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a claim. You must have some funds available in order to pay the deductible to have repairs made.
When do I need an agent’s advice?
When it comes to insurance from an agent or online, there really is not a one size fits all plan. Your financial needs are unique.
For example, these questions can help discover if your situation would benefit from an agent’s advice.
- Should I rate my Jeep Wrangler as pleasure use or commute?
- Will my rates increase for filing one claim?
- How can I get high-risk coverage after a DUI?
- Does my policy cover me when driving someone else’s vehicle?
- Should I get collision insurance on every vehicle?
- What is the difference between personal and commercial auto insurance policies?
- Which companies will insure me after a DUI?
- What is the premium to book value ratio for dropping full coverage?
- Is my custom paint covered by insurance?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.
Local insurance agents
A lot of people would prefer to buy from a licensed agent and that is OK! A good thing about comparing rates online is that drivers can save money and get cheap insurance quotes and also buy local.
Once you complete this short form, the quote information is sent to insurance agents in Atlanta who will return price quotes to get your business. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent to your email. You can get cheaper insurance rates AND an agent nearby. If you have a need to compare prices from a particular provider, just visit that company’s website to submit a rate quote request.
Finding the right company requires more thought than just a low price. Some important questions to ask are:
- If you have an accident, will your rates go up?
- Does the quote include credit and driving reports?
- Can they provide you with a list of referrals?
- Which companies do they recommend if they are an independent agency?
- Does the agency have a current Errors and Omissions policy?
If you are wanting to find a local Atlanta insurance agent, you should know the types of agencies and how they are distinctly different. Agents can be categorized as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
Exclusive insurance agents can usually just insure with one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually well trained on what they offer which can be an advantage. Some insured continue to buy from exclusive agents primarily because of the prominence of the brand rather than low rates.
Shown below is a list of exclusive agents in Atlanta that can give you comparison quotes.
- Randy Beavers – State Farm Insurance Agent
135 Mount Vernon Hwy – Atlanta, GA 30328 – (770) 396-3810 – View Map - Valerie Primas – State Farm Insurance Agent
2798 Lakewood Ave SW a – Atlanta, GA 30315 – (404) 209-1225 – View Map - Trevor Nollner – State Farm Insurance Agent
881 Ponce De Leon Ave NE #17 – Atlanta, GA 30306 – (678) 515-8297 – View Map
Independent Agencies or Brokers
These agents are appointed with more than one company so as a result can place your coverage with any number of different companies and find the cheapest insurance rates. If you are not satisfied with one company, your agent can just switch to a different company and you don’t have to switch agencies.
When comparing rate quotes, you will definitely want to get some free quotes from several independent insurance agents to get the most accurate price comparison. Most can insure with smaller mutual companies that many times have cheaper rates.
The following is a short list of independent insurance agencies in Atlanta that are able to give price quotes.
- Gibb Insurance Agency
991 Cascade Rd SW – Atlanta, GA 30311 – (404) 758-3511 – View Map - Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map - Snellings Walters Insurance Agency
1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map
Coverages available on your policy
Having a good grasp of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Medical payments and PIP coverage
Med pay and PIP coverage pay for short-term medical expenses like chiropractic care, doctor visits, surgery, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Auto liability insurance
Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability coverage protects against claims like pain and suffering, legal defense fees and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Georgia state law requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more liability than the minimum.
Collision coverage protection
This coverage will pay to fix damage to your Wrangler from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible on your Wrangler to save money on collision insurance.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like fire damage, vandalism and falling objects. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Jeep Wrangler.
Due to the fact that many Georgia drivers carry very low liability coverage limits (which is 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
Keep this in mind when shopping around
We just covered many ideas to get a better price on Jeep Wrangler insurance in Atlanta. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding the cheapest Jeep Wrangler rate quotes. Consumers could even find that the best rates are with a company that doesn’t do a lot of advertising.
Budget-conscious Jeep Wrangler insurance can be found from both online companies as well as from independent agents in Atlanta, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer rate quotes online and most of the time these smaller companies prefer to sell through local independent agencies.
When you buy Atlanta car insurance online, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced liability limits or collision coverage only to find out they didn’t have enough coverage. The ultimate goal is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.
Additional insurance information is available at these links:
- Driving in Bad Weather (Insurance Information Institute)
- Who Has Cheap Atlanta Car Insurance Rates for a Hyundai Santa Fe? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Ford F-150 in Atlanta? (FAQ)
- How Much is Atlanta Car Insurance for College Students? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)