Are you looking for low-cost car insurance rates in Long Beach, CA? Long Beach consumers have lots of choices when looking for low-cost Jeep Wrangler insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to make rate comparisons. There is a better way to buy car insurance so you’re going to learn the quickest way to compare rates for a new or used Jeep and locate the lowest price from Long Beach insurance agents and online providers.
It’s a great practice to shop coverage around every six months because insurance prices are constantly changing. Despite the fact that you may have had the lowest price on Jeep Wrangler insurance in Long Beach a year ago there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use the internet to find better coverage on Jeep Wrangler insurance in Long Beach at a better price.
Affordable auto insurance in Long Beach, CA
The auto insurance companies shown below provide free rate quotes in California. If your goal is to find cheap auto insurance in Long Beach, it’s highly recommended you compare several of them to get a more complete price comparison.
Rates and detailed analysis
The price information shown next showcases estimates of insurance costs for Jeep Wrangler models. Having a good understanding how car insurance prices are calculated can help drivers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $256 | $382 | $500 | $30 | $150 | $1,318 | $110 |
| Wrangler Unlimited Sport 2WD 4-Dr | $256 | $382 | $624 | $36 | $186 | $1,484 | $124 |
| Wrangler Sport Islander Package 4WD 2-Dr | $256 | $488 | $500 | $30 | $150 | $1,424 | $119 |
| Wrangler Unlimited Sport 4WD 4-Dr | $294 | $382 | $624 | $36 | $186 | $1,522 | $127 |
| Wrangler Sahara 4WD 2-Dr | $294 | $488 | $500 | $30 | $150 | $1,462 | $122 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $294 | $382 | $624 | $36 | $186 | $1,522 | $127 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $294 | $382 | $624 | $36 | $186 | $1,522 | $127 |
| Wrangler Rubicon 4WD 2-Dr | $294 | $488 | $500 | $30 | $150 | $1,462 | $122 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $294 | $488 | $624 | $36 | $186 | $1,628 | $136 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $332 | $488 | $624 | $36 | $186 | $1,666 | $139 |
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in your specific Long Beach location which can lower or raise auto insurance rates noticeably.
Higher deductibles save money
One frequently asked question is how high should the physical damage coverage deductibles be. The data tables below outline how much more rates are when you select higher and lower physical damage coverage deductibles. The first data set uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $298 | $370 | $442 | $26 | $132 | $1,293 | $108 |
| Wrangler Unlimited Sport 2WD 4-Dr | $298 | $370 | $552 | $32 | $166 | $1,443 | $120 |
| Wrangler Sport Islander Package 4WD 2-Dr | $298 | $472 | $442 | $26 | $132 | $1,395 | $116 |
| Wrangler Unlimited Sport 4WD 4-Dr | $342 | $370 | $552 | $32 | $166 | $1,487 | $124 |
| Wrangler Sahara 4WD 2-Dr | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $342 | $370 | $552 | $32 | $166 | $1,487 | $124 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $342 | $370 | $552 | $32 | $166 | $1,487 | $124 |
| Wrangler Rubicon 4WD 2-Dr | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $342 | $472 | $552 | $32 | $166 | $1,589 | $132 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $386 | $472 | $552 | $32 | $166 | $1,633 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $184 | $232 | $442 | $26 | $132 | $1,016 | $85 |
| Wrangler Unlimited Sport 2WD 4-Dr | $184 | $232 | $552 | $32 | $166 | $1,166 | $97 |
| Wrangler Sport Islander Package 4WD 2-Dr | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Wrangler Unlimited Sport 4WD 4-Dr | $210 | $232 | $552 | $32 | $166 | $1,192 | $99 |
| Wrangler Sahara 4WD 2-Dr | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $210 | $232 | $552 | $32 | $166 | $1,192 | $99 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $210 | $232 | $552 | $32 | $166 | $1,192 | $99 |
| Wrangler Rubicon 4WD 2-Dr | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $210 | $298 | $552 | $32 | $166 | $1,258 | $105 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $238 | $298 | $552 | $32 | $166 | $1,286 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in specific location which can raise or lower prices considerably.
Based on the data above, we can derive that using a $250 deductible costs roughly $25 more each month or $300 a year across all Jeep Wrangler models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 30 months between claims, you would come out ahead if you opt for a higher deductible.
The illustration below shows how choosing a deductible and can raise or lower Jeep Wrangler premium costs for each age group. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Price comparison of only insuring for liability
The information below compares Jeep Wrangler yearly insurance costs with liability coverage only compared to full coverage. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There isn’t a written rule to stop paying for physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Jeep Wrangler book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your policy deductible. If you are paying in excess of $200 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where dropping full coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Car insurance policy discounts for Jeep Wrangler insurance in Long Beach
Companies offering auto insurance do not list all discounts in a way that’s easy to find, so the next list breaks down both well-publicized and the more hidden credits available to bring down your rates.
- E-sign Discounts – A few larger online companies will give a small break get Long Beach auto insurance over the internet.
- Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote Long Beach auto insurance with select insurance companies.
- Safety Course Discount – Taking a course that instructs on driving safety can save you 5% or more and make you a better driver.
- Club Memberships – Being in specific professional or occupational memberships or organizations could qualify you for a break when getting a Long Beach auto insurance quote.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts could see savings as much as 30%.
- Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Long Beach auto insurance quote.
- Low Mileage – Driving less can earn lower prices on the low mileage vehicles.
- No Claim Discounts – Insureds with no claims or accidents pay less compared to policyholders that have many claims.
As a sidenote, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.
The diagram below compares Jeep Wrangler insurance rates with and without discounts applied to the rates. The price estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, marriage, and homeowner discounts applied.
If you would like to choose from a list of insurance companies that offer discounts in California, click here to view.
Insurance Price Influencing Factors
Lots of factors are used when pricing auto insurance. Most are fairly basic such as traffic violations, but other criteria are not as apparent like your continuous coverage or your financial responsibility. When buying insurance it’s important to understand a few of the rating criteria that come into play when calculating the level of your policy premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can help you get lower rates.
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Tickets will cost you – Being a careful driver impacts your car insurance rates tremendously. Even one citation can bump up the cost by twenty percent. Drivers with clean records get better prices than their less careful counterparts. Drivers who have gotten dangerous violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent a license revocation.
The example below highlights how traffic violations and at-fault claims can influence Jeep Wrangler auto insurance rates for different age groups. The prices are based on a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
- How do annual miles impact prices? – The higher the mileage driven annually the more you’ll pay to insure it. Many insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. Verify your vehicle rating is showing the correct driver usage. Having the wrong rating on your Wrangler is just wasting money.
- Extra coverages could be costing you – Insurance policies have a lot of optional add-on coverages that can waste your money if you aren’t careful. Insurance for things like rental car reimbursement, towing coverage, and membership fees may be costing you every month. They may seem like a good idea when buying your policy, but if you’ve never needed them in the past get rid of them and save.
- Your occupation and insurance rates – Jobs like military personnel, architects, and emergency personnel usually pay higher rates than average due to job stress and incredibly demanding work hours. Conversely, jobs such as professors, athletes and the unemployed get better rates.
- Don’t let your coverage lapse – Not maintaining insurance can get your license suspended and you will pay a penalty because you let your insurance coverage expire. Not only will you pay more, not being able to provide proof of insurance could earn you fines and jail time.
- Lower comp and collision deductibles cost more – The deductibles are how much you are willing to pay before a claim is paid by your company. Insurance for physical damage, aka comp and collision, insures against damage to your car. Examples of covered claims could be a windshield broken by a bird, damage caused by hail, and having a roll-over accident. The more expense you’re willing to pay, the less your insurance will be.
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Insurance is expensive for younger drivers – Teen drivers in California have been known to be inattentive and easily distracted in a vehicle and because of this, their insurance rates are much higher. Having to add a youthful driver onto your insurance can cause a big jump in price. Older insureds are more responsible, are lower risk to insure, and usually have better credit.
The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
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More performance means higher rates – The type of car, truck or SUV you own makes a huge difference in your auto insurance rates. Lower cost passenger cars usually are quite affordable to insure, but many other things help determine your insurance rates.
The chart below assumes a single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It compares Jeep Wrangler insurance premiums compared to other models that have different risk factors.
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Jeep Wrangler statistical loss data – Companies factor in insurance loss information when they file their rates in each state. Models that are shown to have higher prevalence or dollar amount of losses will have higher premium rates. The table below shows the insurance loss data used by companies for Jeep Wrangler vehicles.
For each coverage type, the statistical loss for all vehicles averaged together is considered to be 100. Percentage values below 100 indicate a favorable loss history, while values over 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
Jeep Wrangler Insurance Claim Statistics Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Jeep Wrangler 2dr SWB 4WD 54 134 71 57 52 102 Jeep Wrangler 4dr 4WD 58 151 82 66 62 120 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When do I need to contact an agent?
Many drivers would prefer to buy from a local agent and there is nothing wrong with that. Most agents are highly skilled in risk management and will help you if you have claims. The best thing about comparing insurance online is that drivers can save money and get the lowest rates and still choose a local agent.
To find an agent, once you fill out this simple form, your information is immediately sent to agents in your area who can give free rate quotes for your business. It’s much easier because you don’t need to search for any insurance agencies since rate quotes are delivered straight to your inbox. If for some reason you want to get a rate quote from one company in particular, you would need to navigate to their website and fill out the quote form the provide.
Selecting an provider requires more thought than just the premium amount. Below are some questions you should ask.
- Are there any discounts for paying up front?
- Are they involved in claim handling?
- What is their Better Business Bureau rating?
- Do they get paid more for recommending certain coverages?
- Can glass claims be handled at your home?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is the agency active in community causes in Long Beach?
Below are agents in Long Beach that can give you rate quotes for Jeep Wrangler insurance in Long Beach.
- State Farm Insurance: Damian Useda
929 E Wardlow Rd – Long Beach, CA 90807 – (562) 426-8565 – View Map - John Margain – State Farm Insurance Agent
3524 E 7th St – Long Beach, CA 90804 – (562) 433-4622 – View Map - Jim Seilsopour – State Farm Insurance Agent
4195 N Viking Way Ste 180 – Long Beach, CA 90808 – (562) 420-6819 – View Map - Allstate Insurance: Victoria L. Avery
4510 Pacific Coast Hwy #340 – Long Beach, CA 90804 – (562) 597-2371 – View Map
If you feel you receive acceptable answers to your questions and low cost Jeep Wrangler insurance quotes, chances are good that you have found a company that is reliable enough to service your policy.
The most affordable rates come from being thorough
A few companies do not offer online rate quotes and most of the time these regional carriers work with independent agencies. Cheaper insurance in Long Beach is available online and also from your neighborhood Long Beach agents, and you should compare price quotes from both to have the best selection.
Drivers leave their current company for a variety of reasons including high rates after DUI convictions, delays in paying claims, not issuing a premium refund and unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.
As you quote Long Beach auto insurance, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured cut physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.
How to find cheaper quotes for Jeep Wrangler insurance in Long Beach
The recommended way to get affordable auto insurance rates is to compare prices regularly from insurance carriers who sell auto insurance in Long Beach. You can compare rates by following these guidelines.
- First, read about individual coverages and the changes you can make to keep rates low. Many rating factors that are responsible for high rates such as speeding and a negative credit history can be controlled by making small lifestyle or driving habit changes.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while independent agents can provide price quotes for many different companies. View companies
- Third, compare the new rate quotes to your existing coverage to determine if you can save on Wrangler insurance. If you find a better price and switch companies, ensure there is no coverage lapse between policies.
An essential thing to point out is to try to compare the same liability limits and deductibles on every quote and and to get price quotes from as many companies as possible. Doing this enables a fair price comparison and the best price selection.
For more information, feel free to visit the articles below:
- Medical Payments Coverage (Liberty Mutual)
- Who Has the Cheapest Car Insurance Rates for a Hyundai Elantra in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Toyota 4Runner in Long Beach? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Honda Pilot in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance for Ride Shares? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Vehicle Insurance in the U.S. (Wikipedia)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)