Really, the only way to get more affordable car insurance rates in Tucson is to regularly compare prices from insurers that insure vehicles in Arizona.
- First, try to learn a little about how companies price auto insurance and the steps you can take to lower rates. Many factors that are responsible for high rates like inattentive driving and a less-than-favorable credit history can be amended by making minor driving habit or lifestyle changes. Read the full article for additional tips to prevent expensive rate increases and get bigger discounts that may have been overlooked.
- Second, compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can quote prices from multiple sources. View rates
- Third, compare the new rates to the premium of your current policy and determine if there is any savings. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.
- Fourth, give proper notification to your current agent or company to cancel your existing policy. Submit the required down payment along with the signed application to your new agent or company. Be sure to store the proof of insurance paperwork with your vehicle’s registration.
One key aspect when comparing rates is to try to compare similar deductibles and liability limits on each quote and to quote with all possible companies. This enables an apples-to-apples comparison and a complete selection of prices.
Smart shoppers know that auto insurance companies want to prevent you from shopping around. Drivers who get price comparisons are inclined to switch companies because they have good chances of finding good coverage at a lower price. A study discovered that drivers who compared prices regularly saved over $865 a year compared to drivers who don’t regularly compare prices.
If finding low prices for auto insurance is your objective, then having some knowledge of the best way to compare insurance coverage can help simplify the process.
Save a ton by taking advantage of these eight discounts
Auto insurance companies don’t list all possible discounts in an easy-to-find place, so we took the time to find some of the best known and also the more inconspicuous credits available to bring down your rates.
- Paper-free Discount – A few insurance companies will provide an incentive for completing your application on the web.
- College Student – Kids who are enrolled in a college that is more than 100 miles from Tucson and do not take a car to college may be able to be covered for less.
- Military Rewards – Having a deployed family member may lower your rates slightly.
- Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
- Bundle and Save – When you have multiple policies with one insurance company you could get a discount of as much as 10 to 15 percent.
- Accident Forgiveness – Not really a discount, but companies like Allstate, State Farm and GEICO will forgive one accident without the usual rate increase as long as you don’t have any claims before the accident.
- Discounts for New Vehicles – Buying a new car model can cost up to 25% less since new model year vehicles have better safety ratings.
- Passenger Safety Discount – Vehicles equipped with air bags may earn rate discounts of more than 20%.
As a sidenote, most discount credits are not given to the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, insurance companies wouldn’t stay in business. But any discount will help lower the amount you pay for coverage.
The chart below shows the comparison of Jeep Wrangler insurance costs with and without policy discounts. Data assumes a female driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, multi-policy, marriage, and homeowner discounts applied.
Some of the larger companies that have most of the discounts above include:
When comparing rates, check with each company which discounts you qualify for. A few discounts might not be offered on policies in your area.
Finding Jeep Wrangler insurance in Tucson, AZ
To find the cheapest Jeep Wrangler rate quotes, there are several ways to compare rate quotes from companies that offer auto insurance in Arizona. The easiest way to do a complete rate comparison is to get quotes online.
It’s so easy to compare rate quotes online that it takes the place of having to drive to and from local Tucson insurance agencies. Shopping for auto insurance online eliminates the middleman unless you have a complicated situation and need the professional abilities that you can only get from talking to an agent. Some companies do allow you to find lower rates online and get advice from an agent in your area.
When quoting auto insurance, remember that obtaining a wide range of quotes will improve the odds of getting a lower rate.
The companies in the list below offer price comparisons in Arizona. If multiple companies are listed, it’s highly recommended you visit as many as you can to get the best price comparison.
Jeep Wrangler insurance charts and tables
The premium information displayed below showcases detailed analysis of rate quotes for Jeep Wrangler models. Learning more about how insurance prices are determined can help drivers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $114 | $146 | $308 | $18 | $92 | $678 | $57 |
| Wrangler Unlimited Sport 2WD 4-Dr | $114 | $146 | $386 | $22 | $116 | $784 | $65 |
| Wrangler Sport Islander Package 4WD 2-Dr | $114 | $186 | $308 | $18 | $92 | $718 | $60 |
| Wrangler Unlimited Sport 4WD 4-Dr | $130 | $146 | $386 | $22 | $116 | $800 | $67 |
| Wrangler Sahara 4WD 2-Dr | $130 | $186 | $308 | $18 | $92 | $734 | $61 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $130 | $146 | $386 | $22 | $116 | $800 | $67 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $130 | $146 | $386 | $22 | $116 | $800 | $67 |
| Wrangler Rubicon 4WD 2-Dr | $130 | $186 | $308 | $18 | $92 | $734 | $61 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $130 | $186 | $386 | $22 | $116 | $840 | $70 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $148 | $186 | $386 | $22 | $116 | $858 | $72 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in your specific Tucson location which can change insurance rates noticeably.
How high should deductibles be?
When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The figures shown below may help to conceptualize the cost difference of buying low and high comp and collision deductibles. The first pricing table uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $224 | $300 | $300 | $18 | $90 | $957 | $80 |
| Wrangler Unlimited Sport 2WD 4-Dr | $224 | $300 | $374 | $22 | $112 | $1,057 | $88 |
| Wrangler Sport Islander Package 4WD 2-Dr | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Wrangler Unlimited Sport 4WD 4-Dr | $258 | $300 | $374 | $22 | $112 | $1,091 | $91 |
| Wrangler Sahara 4WD 2-Dr | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $258 | $300 | $374 | $22 | $112 | $1,091 | $91 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $258 | $300 | $374 | $22 | $112 | $1,091 | $91 |
| Wrangler Rubicon 4WD 2-Dr | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $258 | $382 | $374 | $22 | $112 | $1,173 | $98 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $292 | $382 | $374 | $22 | $112 | $1,207 | $101 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $164 | $202 | $300 | $18 | $90 | $774 | $65 |
| Wrangler Unlimited Sport 2WD 4-Dr | $164 | $202 | $374 | $22 | $112 | $874 | $73 |
| Wrangler Sport Islander Package 4WD 2-Dr | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Wrangler Unlimited Sport 4WD 4-Dr | $188 | $202 | $374 | $22 | $112 | $898 | $75 |
| Wrangler Sahara 4WD 2-Dr | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $188 | $202 | $374 | $22 | $112 | $898 | $75 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $188 | $202 | $374 | $22 | $112 | $898 | $75 |
| Wrangler Rubicon 4WD 2-Dr | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $188 | $258 | $374 | $22 | $112 | $954 | $80 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $212 | $258 | $374 | $22 | $112 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can impact rates significantly.
We can derive from the above data that using a $100 deductible will cost you approximately $17 more each month or $204 every year across all Jeep Wrangler models than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 24 months between claims, you would probably come out ahead if you choose the higher deductible.
How to calculate deductible break even period
| Average monthly premium for $100 deductibles: | $91 |
| Average monthly premium for $500 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
An important thing to remember is that raising deductibles to save money means you will have to pay more of your own money when you have a physical damage claim. You need to have enough money in the bank in order to pay more to get your vehicle repaired.
Local Tucson insurance agents
A small number of people still prefer to visit with an insurance agent and that is a personal choice. The best thing about getting online price quotes is you may find lower rates and still have a local agent.
By using this short form, your insurance data is sent to local insurance agents that can provide free Tucson auto insurance quotes for your insurance coverage. You won’t even need to leave your computer because prices are sent instantly to you. Get lower rates and a licensed agent to work with. If for some reason you want to get a rate quote from one company in particular, you can always navigate to their website and complete a quote there.
Finding the right insurance company needs to be determined by more than just the price. These are some valid questions you should ask.
- What company holds the largest book of business for them?
- Is the agency involved in supporting local community causes?
- Will the company cover a rental car if your car is getting fixed?
- Do they offer claims assistance after hours?
- Where are claims handled?
If you are searching for a good Tucson insurance agent, you need to know there are two types of insurance agents that you can choose from. Car insurance agencies can either be exclusive or independent (non-exclusive).
Exclusive Insurance Agencies
Agents of this type can usually just insure with one company and some examples include Allstate, Farmers Insurance or State Farm. These agents are not able to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
The following is a list of exclusive agencies in Tucson willing to provide comparison quotes.
Al Vasey – State Farm Insurance Agent
7401 E 22nd St – Tucson, AZ 85710 – (520) 514-0222 – View Map
Gilbert Castillo – State Farm Insurance Agent
3010 W Valencia Rd #250 – Tucson, AZ 85746 – (520) 883-2886 – View Map
Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683 – View Map
Independent Agencies or Brokers
These agents often have affiliation with several companies so they can quote policies with multiple insurance companies and find you the best rates. If they find a lower price, they can switch companies in-house without you having to go to a different agency.
If you need cheaper car insurance rates, we recommend you get several quotes from several independent insurance agents to get the most accurate price comparison.
The following are Tucson independent insurance agencies who can help you get price quote information.
The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map
Mooney Insurance
10501 E Seven Generations Way #103 – Tucson, AZ 85747 – (520) 751-0502 – View Map
ETNA INSURANCE AGENCY, INC.
3430 N 1st Ave #2 – Tucson, AZ 85719 – (520) 887-4700 – View Map
If you feel you receive good responses to your questions as well as low cost Jeep Wrangler insurance quotes, you may have just found an auto insurance agent that can provide car insurance coverage.
Specific coverage details
Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on most auto insurance policies.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Jeep Wrangler.
Due to the fact that many Arizona drivers have only the minimum liability required by law (15/30/10 in Arizona), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage provide coverage for bills for things like hospital visits, chiropractic care, pain medications, funeral costs and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
Liability car insurance
This protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 15/30/10 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $10,000.
Liability insurance covers claims such as medical expenses, pain and suffering, attorney fees, emergency aid and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Arizona requires drivers to carry at least 15/30/10 but it’s recommended drivers buy better liability coverage.
The illustration below demonstrates why low liability limits may not provide you with enough coverage.
Comprehensive insurance
This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like theft, damage from flooding, a broken windshield and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision coverage
This will pay to fix damage to your Wrangler from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as hitting a parking meter, crashing into a ditch, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible on your Wrangler to bring the cost down.
The best rates come from being thorough
Budget-conscious Jeep Wrangler insurance can be bought from both online companies in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies don’t offer rate quotes online and most of the time these small, regional companies only sell through independent insurance agencies.
When getting Tucson auto insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice physical damage coverage only to discover later they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.
In this article, we presented a lot of ways to find cheaper Jeep Wrangler insurance in Tucson. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best price on car insurance is with an unexpected company. Smaller companies may only write in your state and offer lower auto insurance rates compared to the large companies like GEICO and State Farm.
More detailed car insurance information is available by following these links:
- Young Drivers: The High Risk Years Video (iihs.org)
- What is the Cheapest Car Insurance in Tucson, Arizona? (FAQ)
- What Car Insurance is Cheapest for State Employees in Tucson? (FAQ)
- How Much are Tucson Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 70 in Tucson? (FAQ)
- How Much are Tucson Auto Insurance Rates for College Students? (FAQ)
- Vehicle Insurance (Wikipedia)
- Red Light Cameras (State Farm)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Get the Right Protection (InsureUonline.org)