Searching for more affordable Virginia Beach Jeep Wrangler insurance quotes might seem somewhat intimidating for beginners to buying their insurance on the internet. With such a large number of companies, how are drivers expected to effectively compare them all to find the cheapest available price?
Regrettably, nearly 70% of drivers have stayed with the same insurance company for a minimum of four years, and about 40% of consumers have never even compared rates from other companies. Virginia Beach drivers could save themselves almost 45% a year by just comparing rate quotes, but most tend to underestimate how much money they would save if they swap their current policy for a cheaper one.
You should make it a habit to compare premium rates quite often because prices tend to go up over time. Even if you think you had the lowest rates on Jeep Wrangler insurance in Virginia Beach last year the chances are good that you can find a lower rate quote today. There is a lot of bad information regarding Wrangler insurance online, but by reading this article, you're going to learn some of the best techniques to find affordable insurance in Virginia Beach.
We hope to introduce you to how car insurance companies work. If you have car insurance now, you will definitely be able to save money using these tips. But Virginia drivers can benefit from knowing how companies set your policy premium because rates are impacted by many factors.
When comparison shopping, there are several ways to compare rate quotes from many available car insurance companies in Virginia. The fastest way to lower the rate you pay for Jeep Wrangler insurance is to get quotes online. When price shopping your coverage, quoting more will improve the odds of getting more affordable rates. Some insurance companies are not set up to provide rate quotes online, so it's important to also get rates from them, too.
The providers in the list below provide comparison quotes in Virginia. If multiple companies are shown, we recommend you get price quotes from several of them to find the most affordable auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$148||$212||$270||$16||$80||$726||$61|
|Wrangler Unlimited Sport 2WD 4-Dr||$148||$222||$364||$22||$108||$864||$72|
|Wrangler Sport Islander Package 4WD 2-Dr||$122||$228||$290||$18||$88||$746||$62|
|Wrangler Unlimited Sport 4WD 4-Dr||$220||$266||$434||$26||$130||$1,076||$90|
|Wrangler Sahara 4WD 2-Dr||$136||$214||$348||$20||$104||$822||$69|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$220||$266||$434||$26||$130||$1,076||$90|
|Wrangler Unlimited Sahara 2WD 4-Dr||$170||$222||$364||$22||$108||$886||$74|
|Wrangler Rubicon 4WD 2-Dr||$246||$404||$348||$20||$104||$1,122||$94|
|Wrangler Unlimited Sahara 4WD 4-Dr||$94||$144||$302||$18||$90||$648||$54|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$240||$372||$418||$24||$126||$1,180||$98|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in your specific Virginia Beach location which can modify prices greatly.
Accidents and violations increase rates
The example below shows how violations and at-fault accidents can drive up Jeep Wrangler car insurance rates for each different age category. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Insurance is not optional but you don't have to overpay
Despite the high insurance cost for a Jeep Wrangler in Virginia Beach, buying insurance is mandatory in Virginia but it also protects more than you think.
First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage in order to drive the car legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if your vehicle has a loan, it's most likely the lender will make it mandatory that you have insurance to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the bank may insure your Jeep at a much higher premium rate and require you to reimburse them for the much more expensive policy.
Third, insurance safeguards not only your Jeep Wrangler but also your financial assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your policy will pay to have it repaired.
The benefits of buying enough insurance more than offset the price you pay, especially for larger claims. In a recent study of 1,000 drivers, the average customer is wasting up to $700 annually so compare rate quotes every year to ensure rates are inline.
Can you really save if you switch?
Companies like GEICO, State Farm and Progressive regularly use ads on television and other media. All the ads seem to make the promise that you'll save big if you get a free Virginia Beach auto insurance quote and switch your policy. How does each company make almost identical claims? It's all in the numbers.
Most companies can use profiling for the type of driver that will be a good risk. A good example of a profitable risk profile should be between 30 and 50, owns a home, and has a high credit rating. A customer getting a price quote that fits those parameters will most likely get cheap premium rates as well as save if they switch.
Potential insureds who do not match those standards will probably be forced to pay higher premiums and the customer buying from someone else. If you pay close attention to the ads, they say "drivers who switch" but not "everyone who gets a quote" save money. That is how companies can truthfully advertise the way they do.
Each company has different criteria, so you really need to get price quotes at each policy renewal. It's not possible to predict which insurance companies will have the lowest rates for your situation.
Determine discounts on Virginia Beach insurance
Insurance is not inexpensive, but you may qualify for discounts that can help lower your rates. A few discounts will be applied at quote time, but some may not be applied and must be specifically requested before you get the savings. If you're not getting every credit you qualify for, it's possible you qualify for a lower rate.
- Discount for Multiple Policies - When you combine your auto and home insurance and insure them with the same company you could save up to 20% off your total Wrangler insurance premium.
- Paperwork-free - A few companies will give a small break for buying your policy on the web.
- Active Service Discounts - Being on active duty in the military can result in better premium rates.
- Drive Less and Save - Maintaining low annual mileage could qualify for lower premium rates due to less chance of an accident.
- Save over 55 - If you're over the age of 55, you could receive a small decrease in premiums.
- Membership in Organizations - Participating in certain professional organizations may earn a discount on your policy.
- Distant Student Discount - College-age children who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
Just know that some credits don't apply to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like you could get a free insurance policy, insurance companies aren't that generous.
For a list of providers that have a full spectrum of discounts in Virginia, click here.
Should I have guidance from an insurance agency?
A lot of people just prefer to talk to an insurance agent and that is just fine! A good thing about getting online price quotes is you can get the lowest rates and still choose a local agent. And buying from small agencies is important especially in Virginia Beach.
After filling out this quick form, the quote information is instantly submitted to companies in Virginia Beach that provide free Virginia Beach auto insurance quotes for your coverage. You don't have to even leave your home due to the fact that quote results will go immediately to you. You can find the lowest rates and a licensed agent to talk to. If you need to quote rates for a specific company, feel free to visit that company's website and complete a quote there.
The difference between Virginia Beach car insurance agents
If you want to buy car insurance from a local agent, it's helpful to know the types of agencies and how they work. Car insurance agencies can be categorized as either independent agents or exclusive agents.
Independent insurance agents are not locked into one company so they can write business through many different car insurance companies and get you the best rates possible. If you are not satisfied with one company, the agent simply finds a different carrier and you don't have to do anything. When searching for an agent, it's recommended you get some free quotes from independent agents for the best price selection. Many can place coverage with companies you've never heard of that many times have cheaper rates.
Shown below is a small list of independent agencies in Virginia Beach who can help you get competitive price quotes.
- Atlantic charter insurance group
3008 Virginia Beach Blvd - Virginia Beach, VA 23452 - (757) 431-0910 - View Map
- Wilson Insurance Agency, Inc
1127 Crystal Lake Dr - Virginia Beach, VA 23451 - (757) 491-8953 - View Map
- The Coelho insurance agency
800 Seahawk Cir #142 - Virginia Beach, VA 23452 - (757) 437-9647 - View Map
Agents in the exclusive channel are contracted to one company such as Allstate, State Farm and Farm Bureau. They are unable to compare other company's rates so keep that in mind. Exclusive agents are well trained on what they offer which helps offset the inability to provide other markets. Consumers often purchase coverage from exclusives primarily because of loyalty to the company and solid financial strength.
The following is a short list of exclusive insurance agencies in Virginia Beach willing to provide price quote information.
- Lee Barnes - State Farm Insurance Agent
1625 Salem Rd Ste 103 - Virginia Beach, VA 23456 - (757) 467-8890 - View Map
- Ken Crowder - State Farm Insurance Agent
5802 E Virginia Beach Blvd #128 - Norfolk, VA 23502 - (757) 461-2027 - View Map
- Matt Abbott - State Farm Insurance Agent
4646 Princess Anne Rd #103 - Virginia Beach, VA 23462 - (757) 497-1999 - View Map
Finding the right auto insurance agent needs to be determined by more than just a low price. Any agent in Virginia Beach should be willing to answer these questions.
- Do the coverages you're quoting properly cover your vehicle?
- Where would glass claims be handled in Virginia Beach?
- Does the company use OEM repair parts?
- Will one accident increase rates?
- Which family members are covered?
How much car insurance do I need?
Keep in mind that when it comes to choosing proper insurance coverage, there really isn't a cookie cutter policy. Everyone's situation is a little different.
For instance, these questions might help in determining whether you might need professional guidance.
- How much liability do I need to cover my assets?
- How high should my medical payments coverage be?
- Am I insured when driving a different vehicle?
- Do I have coverage when making deliveries for my home business?
- Am I covered if I drive in a foreign country?
- Does having multiple vehicles earn me a discount?
- Am I covered when driving in Canada or Mexico?
- If I use my vehicle for business use is it covered?
If it's difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, fill out this quick form.
A conclusion for your auto insurance search
Budget-friendly auto insurance in Virginia Beach is attainable on the web and from local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers don't offer the ability to get quotes online and most of the time these regional insurance providers sell through independent insurance agents.
Drivers switch companies for a number of reasons such as delays in paying claims, unfair underwriting practices, being labeled a high risk driver and even denial of a claim. It doesn't matter why you want to switch finding a great new company can be less work than you think.
We covered many ways to shop for Jeep Wrangler insurance online. The key concept to understand is the more you quote Virginia Beach auto insurance, the better chance you'll have of finding low cost Virginia Beach auto insurance quotes. Drivers may even discover the best rates are with a company that doesn't do a lot of advertising.
Other learning opportunities
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for a Hyundai Sonata in Virginia? (FAQ)
- Who Has Affordable Car Insurance for Used Cars in Virginia? (FAQ)
- Who Has Cheap Virginia Auto Insurance Rates for Homeowners? (FAQ)
- What is the Best Car Insurance in Tuckahoe, VA? (FAQ)
- Booster Seat Ratings (iihs.org)
- Teen Driving and Texting (State Farm)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)