Insurance for Jeep WranglerSearching for the cheapest insurance for a Jeep Wrangler in Tennessee can turn out to be a painful process, but you can use a few tricks to find lower rates.

There is a better way to compare insurance rates so we're going to tell you the quickest way to price shop coverage for a new or used Jeep and get the cheapest rates from Memphis insurance agents and online providers.

Smart consumers take time to get comparison quotes yearly due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on Jeep Wrangler insurance in Memphis a few years ago you will most likely find a better premium rate today. There is too much inaccurate information about Wrangler insurance online, but we're going to give you some of the best techniques to stop overpaying for insurance in Memphis.

The method we recommend to get policy rate comparisons for Jeep Wrangler insurance in Memphis is to know the trick all the major auto insurance companies participate in a system to give free rates quotes. The only thing you need to do is provide a small amount of information including how your vehicles are used, whether your vehicle is owned or leased, marital status, and how much education you have. That information is submitted instantly to insurance companies and you get price estimates within a short period of time.

If you would like to start a quote now, click here and see if a lower rate is available in Memphis.

The companies shown below offer quotes in Tennessee. If multiple companies are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Jeep Wrangler Insurance Costs in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $110 $140 $298 $18 $90 $656 $55
Wrangler Unlimited Sport 2WD 4-Dr $190 $278 $436 $26 $130 $1,060 $88
Wrangler Sport Islander Package 4WD 2-Dr $104 $190 $326 $20 $98 $738 $62
Wrangler Unlimited Sport 4WD 4-Dr $118 $150 $380 $22 $114 $784 $65
Wrangler Sahara 4WD 2-Dr $192 $302 $326 $20 $98 $938 $78
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $192 $240 $340 $20 $102 $894 $75
Wrangler Unlimited Sahara 2WD 4-Dr $142 $166 $346 $20 $104 $778 $65
Wrangler Rubicon 4WD 2-Dr $118 $190 $326 $20 $98 $752 $63
Wrangler Unlimited Sahara 4WD 4-Dr $238 $416 $470 $28 $140 $1,292 $108
Wrangler Unlimited Rubicon 4WD 4-Dr $200 $286 $436 $26 $130 $1,078 $90
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in your specific Memphis location which can alter premiums greatly.

Higher deductibles save money

One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The comparison tables below outline the costs and benefits when you buy lower versus higher coverage deductibles. The first price estimate table uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Jeep Wrangler insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $194 $242 $288 $18 $86 $853 $71
Wrangler Unlimited Sport 2WD 4-Dr $194 $242 $360 $22 $108 $951 $79
Wrangler Sport Islander Package 4WD 2-Dr $194 $310 $288 $18 $86 $921 $77
Wrangler Unlimited Sport 4WD 4-Dr $224 $242 $360 $22 $108 $981 $82
Wrangler Sahara 4WD 2-Dr $224 $310 $288 $18 $86 $951 $79
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $224 $242 $360 $22 $108 $981 $82
Wrangler Unlimited Sahara 2WD 4-Dr $224 $242 $360 $22 $108 $981 $82
Wrangler Rubicon 4WD 2-Dr $224 $310 $288 $18 $86 $951 $79
Wrangler Unlimited Sahara 4WD 4-Dr $224 $310 $360 $22 $108 $1,049 $87
Wrangler Unlimited Rubicon 4WD 4-Dr $252 $310 $360 $22 $108 $1,077 $90
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Jeep Wrangler insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $120 $152 $288 $18 $86 $664 $55
Wrangler Unlimited Sport 2WD 4-Dr $120 $152 $360 $22 $108 $762 $64
Wrangler Sport Islander Package 4WD 2-Dr $120 $194 $288 $18 $86 $706 $59
Wrangler Unlimited Sport 4WD 4-Dr $138 $152 $360 $22 $108 $780 $65
Wrangler Sahara 4WD 2-Dr $138 $194 $288 $18 $86 $724 $60
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $138 $152 $360 $22 $108 $780 $65
Wrangler Unlimited Sahara 2WD 4-Dr $138 $152 $360 $22 $108 $780 $65
Wrangler Rubicon 4WD 2-Dr $138 $194 $288 $18 $86 $724 $60
Wrangler Unlimited Sahara 4WD 4-Dr $138 $194 $360 $22 $108 $822 $69
Wrangler Unlimited Rubicon 4WD 4-Dr $156 $194 $360 $22 $108 $840 $70
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in Memphis location which can alter coverage prices considerably.

Based on these figures, using a $250 deductible will cost you roughly $18 more each month or $216 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 42 months between claim filings, you would probably come out ahead by going with a higher deductible.

Careless driving habits raise auto insurance rates

The example below shows how traffic citations and at-fault fender-benders impact Jeep Wrangler insurance rates for different categories of driver ages. The price estimates are based on a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Auto insurance just makes sense

Even though Memphis Wrangler insurance rates can get expensive, buying auto insurance may be required and benefits you in several ways.

The benefits of having insurance definitely exceed the cost, especially with large liability claims. The average driver in Tennessee is overpaying more than $820 a year so you should quote your policy with other companies at least once a year to make sure the price is not too high.

Get affordable rates with these nine discounts

Companies offering auto insurance don't necessarily list the entire discount list very well, so the next list breaks down a few of the more common and also the more inconspicuous discounts that may be available.Discount auto insurance

We need to note that some credits don't apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think it's possible to get free car insurance, insurance companies wouldn't stay in business. But any discount will reduce the amount you have to pay.

Some of the larger companies that may offer quotes with these discounts include:

If you are trying to find cheaper Memphis car insurance quotes, ask every prospective company how you can save money. Discounts may not apply in Memphis. To see insurers who offer cheap Jeep Wrangler insurance quotes in Tennessee, click this link.

Compare rate quotes but still have a local Memphis insurance agency

A lot of people just want to talk to a local agent and that is just fine! Insurance agents are trained to spot inefficiencies and help submit paperwork. A nice benefit of comparing car insurance online is that you can find cheap car insurance quotes and still have a local agent. Buying insurance from local insurance agents is still important in Memphis.

Insurance agents in MemphisAfter filling out this quick form, the quote information is sent to agents in your area who will return price quotes to get your business. It simplifies rate comparisons since you won't have to search for an agent as quotes are delivered to the email address you provide. If you wish to get a rate quote from a specific company, you can always search and find their rate quote page and give them your coverage information.

Selecting an company needs to be determined by more than just the price. Below are some questions you should ask.

Insurance coverage options for a Jeep Wrangler

Understanding the coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage pay for bills for chiropractic care, rehabilitation expenses and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Due to the fact that many Tennessee drivers only purchase the least amount of liability that is required (Tennessee limits are 25/50/15), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.

Collision - Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible on your Wrangler to save money on collision insurance.

Comprehensive auto coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, vandalism and hitting a bird. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability - Liability coverage provides protection from damage that occurs to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/15 which means $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a limit of $15,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, funeral expenses, loss of income, structural damage and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it's cheap coverage so purchase as large an amount as possible. Tennessee state minimum liability requirements are 25/50/15 but you should consider buying more coverage.

Get the best coverage at the lowest price

Insureds who switch companies do it for any number of reasons including denial of a claim, not issuing a premium refund, unfair underwriting practices and high prices. It doesn't matter what your reason, finding a new insurance company can be less work than you think.

Discount Jeep Wrangler insurance in Memphis can be sourced from both online companies in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and usually these small, regional companies only sell through local independent agents.

We've covered some good ideas how you can get a better price on Jeep Wrangler insurance in Memphis. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding affordable Memphis car insurance quotes. Drivers may even discover the lowest priced insurance comes from an unexpected company.

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