How to Save on Oklahoma City Jeep Wrangler Insurance

It takes a little time, but the best way to find cheaper prices for auto insurance rates is to start comparing prices yearly from insurers in Oklahoma City.

First, read and learn about what coverages are included in your policy and the modifications you can make to prevent expensive coverage. Many rating factors that drive up the price such as accidents, careless driving, and a bad credit score can be controlled by making lifestyle changes or driving safer. Read the full article for instructions to help prevent expensive coverage and get discounts that may be available to you.

Second, get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agencies can quote prices from multiple companies.

Third, compare the quotes to your existing rates to determine if you can save on Wrangler insurance. If you find better rates and change companies, verify that coverage does not lapse between policies.

A crucial key to this process is to try to use the same deductibles and limits on every quote and and to get rate quotes from as many companies as possible. Doing this enables a fair rate comparison and the best rate selection.

It’s an obvious statement that auto insurance companies don’t want you quoting rates from other companies. People who do rate comparisons will presumably buy a different policy because of the high probability of finding a more affordable policy. A recent study showed that people who routinely compared quotes saved $865 annually compared to drivers who didn’t regularly shop around.

If finding discount rates on auto insurance in Oklahoma City is your ultimate objective, understanding how to shop for auto insurance can make the process less intimidating.

Companies offering Jeep Wrangler insurance in Oklahoma City

The companies shown below are our best choices to provide price quotes in Oklahoma. If multiple providers are shown, it’s highly recommended you get rate quotes from several of them to get the best price comparison.

Jeep Wrangler coverage analysis

The coverage information below outlines estimates of insurance rates for Jeep Wrangler models. Being aware of how policy premiums are formulated can be useful when making smart choices when purchasing an insurance policy.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price information does not factor in specific zip code location which can decrease or increase premiums noticeably.

Higher deductibles save money

One frequently asked question is where should you set your physical damage deductibles. The following tables determine the differences in price between low and high deductibles. The first price estimate table uses a $100 deductible and the second rate table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can modify insurance rates noticeably.

Based on this data, using a $100 deductible could cost the average driver approximately $24 more each month or $288 each year than opting for the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 17 months between claims, you would probably come out ahead by selecting a higher deductible.

Liability only or full coverage

The diagram below shows the difference between Jeep Wrangler insurance premiums when comparing full coverage to liability only. The data assumes no claims or driving citations, $1,000 deductibles, single status, and no other discounts are factored in.

When to stop buying full coverage

There is no definitive formula that is best for determining when to drop comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Jeep Wrangler replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after the deductible is paid. If it’s costing you more than $800 a year for your policy with full coverage, then it might be time to buy liability only.

There are some circumstances where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Affordable Jeep Wrangler insurance in Oklahoma City

Companies offering auto insurance do not list all possible discounts in an easy-to-find place, so we researched some of the more common in addition to some of the lesser obvious auto insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

• Life Insurance Discount – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
• Driving Data Discount – Policyholders that allow their company to analyze vehicle usage by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
• Auto/Home Discount – If you have multiple policies with one insurance company you will save over 10 percent off each policy depending on the company.
• Discount for New Cars – Putting auto insurance coverage on a new Wrangler is cheaper since new model year vehicles are generally safer.
• College Student Discount – Any of your kids who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
• Lower Rates for Military – Having a deployed family member could trigger a small discount.
• Accident Forgiveness – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will let one accident slide before raising your premiums as long as you don’t have any claims prior to the accident.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

The diagram below illustrates the comparison of Jeep Wrangler insurance prices with and without discounts being applied to the rates. The premiums are based on a male driver, no tickets, no at-fault accidents, Oklahoma 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-car, marriage, multi-policy, safe-driver, and claim-free discounts applied.

A list of companies and some of their more popular discounts include:

• State Farm has discounts for Steer Clear safe driver discount, good student, safe vehicle, multiple policy, multiple autos, and accident-free.
• GEICO offers discounts for five-year accident-free, membership and employees, seat belt use, federal employee, and anti-lock brakes.
• Allstate offers premium reductions for defensive driver, premier discount, farm vehicle, good payer, and premier plus.
• SAFECO has savings for anti-lock brakes, accident prevention training, bundle discounts, anti-theft, drive less, and safe driver.
• Farm Bureau may have discounts that include safe driver, youthful driver, 55 and retired, multi-vehicle, multi-policy, and good student.
• Progressive may offer discounts for multi-policy, good student, continuous coverage, multi-vehicle, and online quote discount.
• AAA discounts include good student, multi-policy, good driver, anti-theft, and AAA membership discount.

When quoting, ask all companies you are considering to apply every possible discount. All car insurance discounts might not be available to policyholders in your area. If you would like to choose from a list of companies who offer free Jeep Wrangler insurance quotes in Oklahoma City, click here.

What insurance coverages do I need?

When it comes to choosing your policy, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

• Is motorclub coverage worth it?
• Does coverage follow the driver or the vehicle?
• How do I file an SR-22 for a DUI in Oklahoma?
• Do I need an umbrella policy?
• Do I need replacement cost coverage on my Jeep Wrangler?
• Can I get a multi-policy discount?
• Is my cargo covered for damage or theft?
• How many claims can I have before being canceled?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Local Oklahoma City insurance agents and car insurance

A lot of people still prefer to buy from a licensed agent and that can be a smart move Licensed agents can make sure you are properly covered and will help you if you have claims. The biggest benefit of comparing rates online is that you can obtain lower rates and still buy from a local agent.

Upon completion of this form (opens in new window), the quote information is submitted to agents in your area that can give you free Oklahoma City auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies since price quotes are sent directly to your email. If you want to get a comparison quote from a particular provider, don’t hesitate to visit that company’s website and fill out their quote form.

Finding a good provider should include more criteria than just a low price. Here are some questions you might want to ask.

• Who are their largest clients?
• What will you get paid if your car is a total loss? How is that amount determined?
• Can they provide you with a list of referrals?
• Which companies can they place coverage with?
• Is the agency covered by Errors and Omissions coverage?

If you prefer to buy car insurance from a reliable insurance agency, it’s helpful to know the different types of agents and how they operate. Oklahoma City agents can be classified as either exclusive or independent (non-exclusive). Either type can properly insure your vehicles, but it’s important to point out the differences because it can impact which agent you choose.

Exclusive Insurance Agencies

Exclusive agents have only one company to place business with such as State Farm, Allstate, and Farm Bureau. They are unable to compare other company’s rates so you might not find the best rates. These agents are well schooled on what they offer which helps them sell on service rather than price. Some consumers prefer to use the same exclusive agent mainly due to the prominent brand name and solid financial strength.

Shown below are exclusive agencies in Oklahoma City who may provide you with price quote information.

• Tom Woodward – State Farm Insurance Agent
  4401 W Memorial Rd #115 – Oklahoma City, OK 73134 – (405) 755-5958 – View Map
• Farmers Insurance: Todd Jackson
  5909 Northwest Expy #105 – Oklahoma City, OK 73132 – (405) 722-5858 – View Map
• Rita Wallenberg – State Farm Insurance Agent
  2833 SW 119th St – Oklahoma City, OK 73170 – (405) 691-2464 – View Map

View more Oklahoma City agents

Independent Agents (or Brokers)

Independent agencies often have many company appointments and that allows them to write policies with an assortment of companies enabling the ability to shop coverage around. If they find a cheaper price, your agent can switch companies and you stay with the same agent.

When shopping rates, it’s a good idea to get some free quotes from several independent agencies so that you have a good selection of quotes to compare. Many can place coverage with additional companies that you may not be familiar with which may provide better rates.

Below is a short list of independent agencies in Oklahoma City willing to provide comparison quotes.

• Shelton Agency
  6401 NW Expressway # 100B – Oklahoma City, OK 73132 – (405) 384-1518 – View Map
• Knight’s Insurance Agency
  3825 NW 23rd St – Oklahoma City, OK 73107 – (405) 946-0111 – View Map
• 3000 Insurance Group Alexander and Strunk
  3000 NW 149th St – Oklahoma City, OK 73134 – (405) 751-8356 – View Map

View more Oklahoma City agents

If you receive good responses to any questions you have as well as cheaper Wrangler insurance quotes, you may have just found an auto insurance agent that meets the criteria to service your policy.

Lower rates by being persistent

When searching for low cost Oklahoma City auto insurance quotes, it’s very important that you do not reduce needed coverages to save money. Too many times, consumers will sacrifice full coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

We just presented a lot of techniques to get a better price on Jeep Wrangler insurance in Oklahoma City. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper Oklahoma City auto insurance quotes. You may even be surprised to find that the biggest savings come from some of the lesser-known companies. These companies may often insure only within specific states and give better rates compared to the large companies like Allstate or State Farm.

Even more information can be found in these articles:

• What if I Can’t Find Coverage? (Insurance Information Institute)
• Who Has Affordable Oklahoma City Auto Insurance for a School Permit? (FAQ)
• How Much are Oklahoma City Auto Insurance Quotes for a Hyundai Sonata? (FAQ)
• How Much are Car Insurance Rates for Nurses in Oklahoma City? (FAQ)
• Distracted Driving Extends Beyond Texting (State Farm)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Driving in Bad Weather (Insurance Information Institute)