Save Money on Jeep Wrangler Insurance in Bakersfield

Insurance for Jeep WranglerIt takes a few minutes, but the best way to get more affordable Jeep Wrangler insurance in Bakersfield is to do an annual price comparison from insurers in California. Prices can be compared by completing these steps.

  1. Try to comprehend how auto insurance works and the measures you can take to drop your rates. Many factors that cause rate increases such as accidents, careless driving, and a bad credit rating can be rectified by making minor changes in your lifestyle.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while independent agencies can quote prices from many different companies. Select a company
  3. Compare the price quotes to your existing policy and see if you can save money. If you find better rates, ensure coverage does not lapse between policies.
  4. Give proper notification to your current agent or company of your intent to cancel your current car insurance policy and submit any necessary down payment along with the completed application for the new coverage. Once the application is submitted, place the new certificate verifying proof of insurance with your vehicle’s registration.

A good piece of advice is to make sure you’re comparing identical coverage information on each quote request and and to get quotes from as many companies as feasibly possible. This guarantees an accurate price comparison and a good representation of prices.

Smart shoppers know that car insurance companies don’t want policyholders to compare prices from other companies. People who compare rates annually are likely to buy a different policy because there is a significant possibility of finding a more affordable policy premium. A recent survey discovered that people who make a habit of shopping around saved as much as $3,400 over four years compared to those who never shopped around for lower prices.

If finding the lowest price for Jeep Wrangler insurance in Bakersfield is your target objective, understanding how to shop for insurance premiums can make the process more efficient.

Rates and other information

The data table displayed below highlights different policy rates for Jeep Wrangler models. Having knowledge of how prices are calculated can assist in making smart choices when selecting a coverage provider.


Jeep Wrangler Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $204 $286 $596 $36 $178 $1,300 $108
Wrangler Unlimited Sport 2WD 4-Dr $204 $286 $746 $44 $224 $1,504 $125
Wrangler Sport Islander Package 4WD 2-Dr $204 $366 $596 $36 $178 $1,380 $115
Wrangler Unlimited Sport 4WD 4-Dr $234 $286 $746 $44 $224 $1,534 $128
Wrangler Sahara 4WD 2-Dr $234 $366 $596 $36 $178 $1,410 $118
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $234 $286 $746 $44 $224 $1,534 $128
Wrangler Unlimited Sahara 2WD 4-Dr $234 $286 $746 $44 $224 $1,534 $128
Wrangler Rubicon 4WD 2-Dr $234 $366 $596 $36 $178 $1,410 $118
Wrangler Unlimited Sahara 4WD 4-Dr $234 $366 $746 $44 $224 $1,614 $135
Wrangler Unlimited Rubicon 4WD 4-Dr $264 $366 $746 $44 $224 $1,644 $137
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can raise or lower premiums significantly.

An analysis of deductible level

One of the more difficult decisions when buying insurance is how high should your deductibles be. The following insurance rates can help show the cost difference when you buy lower versus higher insurance deductibles. The first data set uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.


Jeep Wrangler insurance with $250 deductibles
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

Jeep Wrangler insurance with $1,000 deductibles
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

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific Bakersfield garaging location which can change price quotes considerably.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $25 more each month or $300 a year than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 30 months between claim filings, you would save more money by going with a higher deductible.

Male drivers versus female drivers

The diagram below illustrates the comparison of Jeep Wrangler annual premium costs for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The illustration below compares Jeep Wrangler auto insurance rates with liability coverage only compared to full coverage. The costs are based on no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

When to drop full coverage

There isn’t a written rule to delete physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Jeep Wrangler replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $3,000 after you pay the deductible. If you are paying more than $300 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Jeep Wrangler Insurance Rate Factors

A large part of saving on insurance is knowing some of the things that help calculate the price you pay for insurance. When consumers understand what determines premiums, this enables you to make decisions that will entitle you to lower rates.

The itemized list below are some of the factors companies use to determine rates.

Insurance savings summarized

We’ve covered a lot of information how to lower your Jeep Wrangler insurance rates in Bakersfield. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Consumers may even find the lowest priced insurance comes from a small local company. Some small companies often have lower car insurance rates on specific markets than their larger competitors like GEICO and State Farm.

More affordable insurance in Bakersfield can be sourced on the web and from local agencies, so you need to shop Bakersfield auto insurance with both to have the best selection. Some insurance providers do not offer price quotes online and most of the time these small, regional companies only sell through independent insurance agencies.

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