Searching for better insurance prices for a Jeep Wrangler in Nevada can turn out to be a lot of work, but you can use these tips to make it easier.
There is a better way to find auto insurance online so we’re going to tell you the absolute fastest way to get price quotes for a Jeep and obtain the best price possible from Henderson insurance agents and online providers.
It’s easy to assume that insurance companies don’t want you comparing rates. Consumers who compare rates once a year will probably switch companies because there is a high probability of finding good coverage at a lower price. A study showed that consumers who compared prices regularly saved as much as $865 annually compared to other drivers who never compared other company’s rates.
If finding budget-friendly rates on Jeep Wrangler insurance in Henderson is why you’re reading this, then learning a little about how to choose a company and compare coverages can save time and make the process easier.
If you have coverage now or just want to save money, use these techniques to reduce premiums without reducing protection. Comparison shopping for affordable insurance policy in Henderson is easy to do. Smart buyers just have to learn the quickest method to compare insurance rates over the internet.
The companies shown below can provide quotes in Nevada. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.
The data table displayed below showcases detailed analysis of insurance rates for Jeep Wrangler models. Having a good understanding how insurance prices are determined can be valuable when making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$142||$200||$416||$24||$124||$906||$76|
|Wrangler Unlimited Sport 2WD 4-Dr||$142||$200||$520||$30||$156||$1,048||$87|
|Wrangler Sport Islander Package 4WD 2-Dr||$142||$256||$416||$24||$124||$962||$80|
|Wrangler Unlimited Sport 4WD 4-Dr||$164||$200||$520||$30||$156||$1,070||$89|
|Wrangler Sahara 4WD 2-Dr||$164||$256||$416||$24||$124||$984||$82|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$164||$200||$520||$30||$156||$1,070||$89|
|Wrangler Unlimited Sahara 2WD 4-Dr||$164||$200||$520||$30||$156||$1,070||$89|
|Wrangler Rubicon 4WD 2-Dr||$164||$256||$416||$24||$124||$984||$82|
|Wrangler Unlimited Sahara 4WD 4-Dr||$164||$256||$520||$30||$156||$1,126||$94|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$184||$256||$520||$30||$156||$1,146||$96|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can raise or lower coverage rates considerably.
How high should deductibles be?
One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The premium rates below help summarize how much more rates are when you buy lower versus higher deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$208||$258||$308||$18||$92||$909||$76|
|Wrangler Unlimited Sport 2WD 4-Dr||$208||$258||$386||$22||$116||$1,015||$85|
|Wrangler Sport Islander Package 4WD 2-Dr||$208||$330||$308||$18||$92||$981||$82|
|Wrangler Unlimited Sport 4WD 4-Dr||$238||$258||$386||$22||$116||$1,045||$87|
|Wrangler Sahara 4WD 2-Dr||$238||$330||$308||$18||$92||$1,011||$84|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$238||$258||$386||$22||$116||$1,045||$87|
|Wrangler Unlimited Sahara 2WD 4-Dr||$238||$258||$386||$22||$116||$1,045||$87|
|Wrangler Rubicon 4WD 2-Dr||$238||$330||$308||$18||$92||$1,011||$84|
|Wrangler Unlimited Sahara 4WD 4-Dr||$238||$330||$386||$22||$116||$1,117||$93|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$268||$330||$386||$22||$116||$1,147||$96|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$168||$208||$308||$18||$92||$794||$66|
|Wrangler Unlimited Sport 2WD 4-Dr||$168||$208||$386||$22||$116||$900||$75|
|Wrangler Sport Islander Package 4WD 2-Dr||$168||$266||$308||$18||$92||$852||$71|
|Wrangler Unlimited Sport 4WD 4-Dr||$194||$208||$386||$22||$116||$926||$77|
|Wrangler Sahara 4WD 2-Dr||$194||$266||$308||$18||$92||$878||$73|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$194||$208||$386||$22||$116||$926||$77|
|Wrangler Unlimited Sahara 2WD 4-Dr||$194||$208||$386||$22||$116||$926||$77|
|Wrangler Rubicon 4WD 2-Dr||$194||$266||$308||$18||$92||$878||$73|
|Wrangler Unlimited Sahara 4WD 4-Dr||$194||$266||$386||$22||$116||$984||$82|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$218||$266||$386||$22||$116||$1,008||$84|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in garaging location in Henderson which can modify prices significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $10 more each month or $120 for a full year averaged for all Wrangler models than opting for the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go more than 25 months between claim filings, you would probably be better off if you opt for a higher deductible.
How to determine when to raise deductibles
|Average monthly premium for $250 deductibles:||$86|
|Average monthly premium for $500 deductibles (subtract):||– $76|
|Monthly savings from raising deductible:||$10|
|Difference between deductibles ($500 – $250):||$250|
|Divide difference by monthly savings:||$250 / $10|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||25 months|
One thing to note is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a claim. That will require some money saved in order to pay the higher deductible.
The information below shows how choosing a deductible and can change Jeep Wrangler insurance premiums for each different age category. The data is based on a married male driver, full physical damage coverage, and no discounts are factored in.
Gender differences in car insurance premiums
The diagram below illustrates the difference between Jeep Wrangler insurance rates for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Price comparison of only insuring for liability
The diagram below illustrates the difference between Jeep Wrangler insurance costs with full coverage and liability only. The premium estimates are based on no claims or violations, $250 deductibles, marital status is single, and no discounts are factored in.
Guidelines for dropping full coverage
There isn’t a steadfast formula to delete physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s assume your Jeep Wrangler claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying your policy deductible. If you are paying in excess of $500 annually for full coverage, then you might want to consider buying only liability coverage.
There are some situations where dropping physical damage coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
Three reasons to insure your Jeep Wrangler
Even though it can be expensive, auto insurance may be mandatory for several reasons.
- Most states have compulsory liability insurance requirements which means state laws require specific limits of liability coverage in order to get the vehicle licensed. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Jeep, it’s most likely the lender will have a requirement that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may have to buy a policy to insure your Jeep at an extremely high rate and make you pay for the much more expensive policy.
- Auto insurance preserves not only your car but also your assets. It will also pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of your driving. If your Jeep gets damaged, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the cost, particularly when you have a large claim. Today the average American driver is currently overpaying as much as $855 a year so you should quote your policy with other companies at least once a year to save money.
Affordable Jeep Wrangler insurance rates in Henderson
Auto insurance companies do not list every discount available very well, so below is a list some of the more common and the more hidden insurance savings. If you’re not getting every credit available, you could be getting lower rates.
- Discount for Swiching Early – Select companies give a discount for switching companies prior to the expiration date on your current Wrangler insurance policy. You can save around 10% with this discount.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
- Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase life insurance from them.
- Government Employees – Active or retired federal employment may reduce rates when you quote Henderson auto insurance with some insurance companies.
- No Accidents – Good drivers with no accidents can save substantially when compared to policyholders that have many claims.
- Discount for Home Ownership – Owning a home in Henderson may trigger a policy discount on insurance since home ownership is proof of financial responsibility.
- Save over 55 – Mature drivers could receive reduced rates.
- Driver’s Ed – Require your teen driver to complete a driver education course in high school.
- Multiple Policy Discount – If you can bundle your homeowners and auto insurance with the same insurance company you may save up to 20% off your total Wrangler insurance premium.
- Waiver for an Accident – Not necessarily a discount, but certain companies will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a specific time period.
As a sidenote, most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way.
The chart below visualizes the comparison of Jeep Wrangler premium costs with and without some available policy discounts. The premium estimates are based on a female driver, no accidents, no driving violations, Nevada 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 marriage, claim-free, multi-car, multi-policy, homeowner, and safe-driver discounts applied.
To view insurance companies with the best discounts in Nevada, click this link.
Can’t I get rate quotes from local Henderson auto insurance agents?
A lot of people would prefer to buy from a licensed agent and that is not a bad decision Good insurance agents are trained risk managers and help submit paperwork. One of the great benefits of comparing insurance prices online is you can get lower rates and still have a local agent. Buying from small agencies is definitely important in Henderson.
To find an agent, once you fill out this form (opens in new window), the quote information is instantly submitted to insurance agents in Henderson that give free quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork because prices are sent instantly to you. If you have a need to get a rate quote for a specific company, you can always navigate to their website and submit a quote form there.
If you want to use a reliable insurance agent, there are two different types of agents and how they function. Agencies in Henderson can be described as either independent or exclusive depending on the company they work for. Both provide auto insurance policies, but it’s worth mentioning the subtle differences because it can influence your agent selection.
Independent Insurance Agents
Agents of this type do not have single company limitations so as a result can place your coverage with lots of companies and get the cheapest rates. To move your coverage to a new company, your agent can switch companies and you don’t have to switch agencies.
When comparing rate quotes, you should always compare quotes from at least one independent agent for maximum quote selection. Most also have access to lesser-known insurance companies that may have much lower rates than larger companies.
Shown below are independent agencies in Henderson that can give you free rate quotes.
- Carl R Forman Insurance Agency
70 E Horizon Ridge Pkwy – Henderson, NV 89002 – (702) 732-7675 – View Map
- American National Insurance Morgan Agency LLC, Jarod Morgan
1120 Wigwam Pkwy #100 – Henderson, NV 89052 – (702) 430-7764 – View Map
- Safeco Insurance
2736 Marie Antoinette St – Henderson, NV 89044 – (866) 694-9046 – View Map
Exclusive Auto Insurance Agents
These agents write business for a single company like Farmers Insurance, Allstate, or State Farm. These agents are not able to provide rate quotes from other companies so they really need to provide good service. Exclusive agents are highly trained on sales techniques and that can be a competitive advantage. Consumers sometimes choose to use an exclusive agent partially due to loyalty to the company rather than having low rates.
The following are exclusive agencies in Henderson who can help you get price quote information.
- Allstate Insurance: Jeremy Peltz
3215 St Rose Pkwy Ste 120 – Henderson, NV 89052 – (702) 233-8372 – View Map
- State Farm: Steve Arrington
325 W Lake Mead Pkwy – Henderson, NV 89015 – (702) 565-9743 – View Map
- Lisa Downer – State Farm Insurance Agent
1450 W Horizon Ridge Pkwy b302 – Henderson, NV 89012 – (702) 492-6287 – View Map
Picking the best auto insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:
- Can glass claims be handled at your home?
- Are claim adjusters local or do you have to take your car somewhere else?
- How are claims handled?
- Is the agency active in community causes in Henderson?
- Is auto insurance their primary focus in Henderson?
- If you have an accident, will your rates go up?
- If your car is in the repair shop, do you have coverage for a rental car?
What is the best auto insurance company in Nevada?
Selecting the best insurance provider can be difficult considering how many choices drivers have in Henderson. The company ratings in the next section can help you analyze which coverage providers you want to consider comparing rates from.
Top 10 Henderson Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Titan Insurance – A+
Top 10 Henderson Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Insurance policy coverages for a Jeep Wrangler
Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Jeep Wrangler.
Because many people have only the minimum liability required by law (15/30/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Collision – This covers damage to your Wrangler from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like hitting a mailbox, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible on your Wrangler to get cheaper collision coverage.
Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as a broken windshield, falling objects, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Auto liability insurance – Liability coverage provides protection from damage that occurs to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 15/30/10 which means a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like court costs, medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford. Nevada requires drivers to carry at least 15/30/10 but it’s recommended drivers buy better liability coverage.
The chart below shows why low liability limits may not be enough coverage.
Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses such as dental work, X-ray expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Affordable car insurance is out there
When shopping online for car insurance, do not reduce needed coverages to save money. There are too many instances where an insured dropped full coverage and discovered at claim time that the savings was not a smart move. The aim is to find the BEST coverage at the best possible price and still be able to protect your assets.
We just covered many tips how you can lower your Jeep Wrangler insurance premium rates in Henderson. The most important thing to understand is the more providers you compare, the better likelihood of getting the cheapest Jeep Wrangler rate quotes. Consumers could even find that the lowest premium rates come from a lesser-known regional company.
Some insurance companies do not provide online price quotes and usually these regional insurance providers work with independent agencies. Budget-conscious Jeep Wrangler insurance is possible online and from local insurance agents, so you should compare both to get a complete price analysis.
Steps to finding cheaper rates for Jeep Wrangler insurance in Henderson
If you want to find the absolute lowest rates, then the best way to save on Jeep Wrangler insurance in Henderson is to regularly compare quotes from companies who can sell car insurance in Nevada. You can compare prices by completing these steps.
- Step 1: Read and learn about how companies price auto insurance and the modifications you can make to keep rates in check. Many rating criteria that drive up the price like speeding tickets, careless driving and an imperfect credit history can be improved by making small lifestyle or driving habit changes.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can give you price quotes from multiple sources.
- Step 3: Compare the new quotes to your existing policy and see if you can save money. If you can save money and change companies, make sure coverage does not lapse between policies.
An important part of this process is to use identical deductibles and limits on every quote request and and to analyze every insurance company. Doing this provides a level playing field and the most accurate and complete price analysis.
Additional car insurance information can be found below:
- Learn About Car Insurance (GEICO)
- How Much is Henderson Car Insurance for Good Students? (FAQ)
- Who Has Cheap Auto Insurance After a Speeding Ticket in Henderson? (FAQ)
- How Much are Henderson Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- How Much is Auto Insurance for Veterans in Henderson? (FAQ)
- How Much is Henderson Auto Insurance for Low Income Drivers? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Rollover Crash FAQ (iihs.org)
- Drunk Driving Statistics (Insurance Information Institute)