Save Money on Jeep Wrangler Insurance in Portland

Do you need a better way to compare more competitive Jeep Wrangler insurance in Portland? Scraping up a payment for high-priced Jeep Wrangler insurance in Portland can draw down your savings account and force you to tighten up your finances. Comparison shopping is a great way to make sure you’re not throwing money away.

Inconceivable but true, the majority of drivers kept buying from the same company for four years or more, and almost 40% of drivers have never shopped around. Many drivers in Oregon can save almost $970 each year by just shopping around, but most undervalue the large savings they would see if they replace their high priced policy. Vehicle owners have multiple insurance companies to pick from, and although it’s nice to be able to choose, having more insurance companies makes it harder to compare rates and cut insurance costs.

Consumers should take time to shop coverage around occasionally due to the fact that insurance prices are usually higher with each renewal. Just because you had the lowest rate on Jeep Wrangler insurance in Portland two years ago you can probably find a better premium rate now. There is a lot of bad information regarding Wrangler insurance on the web, but in just a couple of minutes you can learn some tested techniques to slash your car insurance rates in Portland.

Comparing quotes for cheaper coverage in Portland is actually quite simple. If you’re already insured or want to find a cheaper company, you can learn to get lower rates without reducing protection. Comparison shoppers just need to learn the fastest way to compare different rates using one simple form.

Affordable Jeep insurance prices in Portland

The companies shown below are our best choices to provide quotes in Portland, OR. If you want cheaper auto insurance in Portland, OR, we recommend you visit several of them to get a more complete price comparison.

Jeep Wrangler insurance analysis

The coverage table shown below outlines estimates of insurance premium costs for Jeep Wrangler models. Having a good understanding how rate quotes are formulated can help you make informed purchases.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in Portland location which can lower or raise insurance rates noticeably.

Choosing deductibles

One frequently asked question is which deductibles should you choose. The premium rates below approximate how much more rates are between high and low physical damage coverage deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can affect premiums greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you about $26 more each month or $312 every year averaged for all Wrangler models than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 35 months between claims, you would probably save some money if you choose the higher deductible. The table below illustrates a better example of how you can decide this on your own policy.

One big caveat is that a higher deductible means you will have to cover more of the damage yourself when you file a claim. You will want to have some available funds in the event you need to pay the deductible to have repairs made.

The information below shows how choosing a deductible and can change Jeep Wrangler premium costs for each age group. The costs are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Accidents and violations increase rates

The diagram below illustrates how traffic citations and accidents increase Jeep Wrangler insurance costs for different age groups. The premium estimates are based on a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.

Score discounts to get cheaper Portland insurance rates

Insurance can be prohibitively expensive, but you might be missing out on some discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but a few must be requested specifically before being credited. If you are not receiving all the discounts available, you are throwing money away.

• Own a Home – Owning a house in Portland may earn you a small savings because of the fact that having a home is proof that your finances are in order.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• Telematics Data – Policyholders that allow driving data submission to look at their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
• Government Employees – Employees or retirees of the government could qualify for a slight premium decrease with a few insurance companies.
• New Car Discount – Insuring a vehicle that is new can cost up to 25% less because new vehicles keep occupants safer.
• Multiple Cars – Buying insurance for multiple cars or trucks with one company may reduce the rate for each vehicle.
• Senior Discount – Older drivers may qualify for a small decrease in premiums.

Consumers should know that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, that’s just not realistic.

The diagram below shows the difference between Jeep Wrangler insurance prices with and without discounts being applied to the rates. The premium estimates are based on a male driver, no claims or driving citations, Oregon state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, safe-driver, claim-free, and marriage discounts applied.

A list of insurance companies and their offered discounts are shown below.

• GEICO has savings for multi-vehicle, good student, federal employee, seat belt use, emergency military deployment, daytime running lights, and five-year accident-free.
• MetLife offers discounts including claim-free, good student, multi-policy, accident-free, good driver, defensive driver
• State Farm may offer discounts for good driver, student away at school, passive restraint, good student, multiple policy, anti-theft, and safe vehicle.
• Progressive has discounts for online quote discount, multi-policy, continuous coverage, homeowner, good student, and multi-vehicle.
• Mercury Insurance includes discounts for location of vehicle, good driver, anti-theft, annual mileage, age of vehicle, and multi-policy.
• 21st Century may include discounts for teen driver, homeowners, anti-lock brakes, automatic seat belts, theft prevention, and air bags.
• Allstate may have discounts that include multi-policy, anti-lock brakes, economy car, premier plus, auto/life discount, and teenSMART discount.

When getting free Portland car insurance quotes, it’s a good idea to every prospective company which discounts you may be entitled to. A few discounts may not apply in Portland. If you would like to choose from a list of insurers who offer online Jeep Wrangler insurance quotes in Oregon, follow this link.

Why You Might Pay Lower Rates in Portland

Lots of factors are part of the calculation when quoting car insurance. Some factors are common sense like a motor vehicle report, but other factors are less apparent such as your marital status or your financial responsibility. It’s important that you understand some of the elements that play a part in calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that may reward you with lower rates.

The following are a partial list of the pieces that factor into your rates.

Vehicle features that lower premiums – Selecting a car model with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop vehicle theft.

Liability coverage is critical – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that a court rules you are at fault for physical damage or personal injury to other. Liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Does your job cost you more? – Occupations such as judges, social workers, and stock brokers generally have higher premiums than the average policyholder due to high stress levels and lots of time spent away from family. Conversely, occupations such as farmers, engineers and retirees have the lowest average rates.

Are you male or female? – Over time, data shows that men are more aggressive behind the wheel. However, this does not mean females are better drivers. Females and males have accidents in similar numbers, but males have costlier accidents. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.

The diagram below illustrates the difference between Jeep Wrangler insurance rates for male and female drivers. The data is based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, single status, and no other discounts are factored in.

Jeep Wrangler historical loss data – Insurance companies analyze past claim statistics in order to profitably underwrite each model. Models that the statistics show to have a trend towards higher claims will be charged more to insure. The next table shows the insurance loss data for Jeep Wrangler vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, without regard to make or model, is equal to 100. Values that are below 100 indicate a favorable loss history, while numbers above 100 indicate more frequent claims or an increased probability of a larger loss.

Get rate quotes but still have a local Portland insurance agency

Some consumers just want to buy from a local agent and that is a personal choice. Professional agents can point out coverage gaps and help file insurance claims. One of the benefits of comparing rate quotes online is that you can obtain cheap rate quotes but still work with a licensed agent. Putting coverage with local agents is still important in Portland.

By using this form (opens in new window), your coverage information is submitted to participating agents in Portland who will give you quotes to get your business. There is no reason to contact an agency as quotes are delivered straight to your inbox. If for some reason you want to get a price quote from one company in particular, you can always jump over to their website and fill out their quote form.

When looking for a local agent, it’s helpful to know the different agency structures from which to choose. Agents in Portland can be described as either independent or exclusive depending on the company they work for. Either one can properly insure your vehicles, but it’s important to point out why they differ because it may have an impact on the kind of agent you use.

Independent Agents

Agents in the independent channel do not sell for just one brand and that gives them the ability to insure amongst many companies and find you cheaper rates. If prices rise, your agent can just switch to a different company and you don’t have to find a new agent.

If you are trying to find cheaper rates, we recommend you check rates from multiple independent agents in order to have the best price comparison.

Below is a list of independent insurance agencies in Portland that can give you free rate quotes.

View more agents

Exclusive Insurance Agents

Agents in the exclusive channel can only quote rates from one company such as Allstate and State Farm. These agents are not able to provide prices from multiple companies so you might not find the best rates. They are well trained on the products they sell and that enables them to sell even at higher rates.

Listed below is a list of exclusive agencies in Portland who can help you get price quotes.

View more agents

Finding the right insurance agency requires more thought than just the premium amount. These are valid questions to ask:

• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• How much will you save each year by using a higher deductible?
• How many years have they been established?
• Do they reduce claim amounts on high mileage vehicles?
• Are they able to provide referrals?

Best auto insurance in Portland

Ending up with a highly-rated auto insurance provider can be a challenge considering how many companies sell insurance in Oregon. The company ratings displayed below can help you choose which coverage providers you want to consider purchasing from.

Top 10 Portland Car Insurance Companies Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. The General
6. Progressive
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top 10 Portland Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. AAA Insurance
7. State Farm
8. Mercury Insurance
9. Nationwide
10. Safeco

Shop around and save

In this article, we presented many tips how you can reduce Jeep Wrangler insurance premium rates online in Portland. It’s most important to understand that the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the best price on auto insurance is with the least-expected company. These smaller insurers may have significantly lower prices on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

Budget-friendly auto insurance in Portland can be bought both online in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money. A few companies may not offer online quoting and many times these regional insurance providers provide coverage only through independent insurance agents.

How to find cheaper quotes for Jeep Wrangler insurance in Portland

If you want to save money, the best way to find affordable auto insurance rates in Portland is to do an annual price comparison from companies in Oregon. This can be done by following these guidelines.

First, try to comprehend the coverage provided by your policy and the measures you can control to keep rates low. Many rating factors that are responsible for high rates such as at-fault accidents, speeding tickets, and a not-so-good credit rating can be controlled by paying attention to minor details.

Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can quote rates for a wide range of insurance providers. View rates

Third, compare the new rates to the premium of your current policy to see if you can save by switching companies. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good piece of advice is to use the same liability limits and deductibles on every price quote and and to get quotes from as many companies as possible. This provides a fair rate comparison and a complete price analysis.

To learn more, feel free to visit the resources below:

• Event Data Recorders FAQ (iihs.org)
• Who Has Cheap Portland Car Insurance Rates for College Students? (FAQ)
• Understanding Car Crashes Video (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Institute)