Cheapest Insurance for a Jeep Wrangler in Lincoln

Tired of trying to scrape together enough money to insure your Jeep every month? You’re in the same situation as many other Nebraska drivers.

Sad but true, over 70% of consumers have purchased from the same company for a minimum of four years, and nearly the majority have never compared rates from other carriers. With the average car insurance premium being $1,440, Nebraska drivers could save themselves almost $400 a year just by comparing rates, but they just feel it’s too hard to compare rate quotes.

How to buy lower priced Jeep Wrangler insurance in Lincoln

The preferred way to get discount Jeep Wrangler insurance is to begin comparing prices regularly from companies who provide auto insurance in Lincoln.

Step 1: Try to comprehend policy coverages and the measures you can control to lower rates. Many factors that cause rate increases like distracted driving and an unacceptable credit score can be controlled by making lifestyle changes or driving safer. Continue reading for the details to prevent high prices and find possible discounts that are available.

Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO or State Farm, while independent agencies can provide price quotes from multiple companies.

Step 3: Compare the new quotes to the premium of your current policy to determine if you can save on Wrangler insurance. If you can save money and buy the policy, make sure coverage is continuous and does not lapse.

Step 4: Notify your agent or company of your decision to cancel your current auto insurance policy. Submit a completed application and payment to your new agent or company. Be sure to put the new certificate verifying coverage in an accessible location in your vehicle.

An important note is that you’ll want to compare the same coverage limits and deductibles on every price quote and and to get prices from as many auto insurance providers as possible. Doing this ensures a level playing field and a complete rate analysis.

Multiple insurers compete for your hard-earned dollar, so it’s not easy to compare every insurer and uncover the absolute best rate on Jeep Wrangler insurance in Lincoln.

Consumers should take time to get comparison quotes periodically because prices tend to go up over time. Despite the fact that you may have had the best price on Jeep Wrangler insurance in Lincoln a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to show you one of the quickest ways to find better rates and still maintain coverage.

The best way we recommend to compare rates for Jeep Wrangler insurance in Lincoln utilizes the fact most insurance companies pay for the opportunity to compare their rates. The only thing you need to do is give the companies some data like if a SR-22 is needed, the ages of drivers, your credit rating estimate, and if you have an active license. Those rating factors gets sent immediately to multiple auto insurance providers and they provide comparison quotes very quickly.

If you would like to compare rates now, click here and find out if you can get cheaper insurance in Lincoln.

The companies in the list below offer price comparisons in Nebraska. To buy the best auto insurance in NE, we suggest you visit several of them to find the most affordable car insurance rates.

Best reasons to buy insurance in Nebraska

Despite the high insurance cost for a Jeep Wrangler in Lincoln, insurance is mandatory in Nebraska but it also protects more than you think.

• Just about all states have minimum liability requirements which means state laws require a minimum amount of liability in order to be legal. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your vehicle with a loan, most banks will require that you carry insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank will be required to insure your Jeep at a much higher premium rate and require you to reimburse them for the expensive policy.
• Insurance protects not only your Jeep but also your financial assets. It will also cover many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, your insurance policy will pay to have it repaired.

The benefits of buying insurance greatly outweigh the cost, especially when you need to use it. But the average American driver is overpaying more than $825 a year so compare quotes from several companies at every policy renewal to make sure the price is not too high.

Statistics and details

The premium table shown next outlines detailed analysis of insurance premium costs for Jeep Wrangler models. Learning more about how insurance policy rates are calculated can help customers make informed purchases.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle garaging location which can raise or lower prices substantially.

Deductible analysis

When comparing insurance rates, the most common question is at what level do you set your deductibles. The rates below lay out the differences in price when you buy lower versus higher deductibles. The first table uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in vehicle garaging location which can change insurance rates greatly.

Based on the above data, using a $100 deductible costs about $25 more each month or $300 for a full year than choosing the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 36 months between claim filings, you would probably save some money if you elect the higher deductible.

How accidents and violations affect rates

The example below highlights how traffic violations and at-fault claims can increase Jeep Wrangler insurance costs for different categories of driver ages. The rate quotes are based on a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Auto insurance discounts are available to lower rates

Car insurance can cost a lot, but you may be missing some discounts that may help make it more affordable. Certain discounts will be applied at the time of quoting, but some may not be applied and must be requested specifically before being credited.

• Lincoln Homeowners Discount – Just being a homeowner can save you money since home ownership requires a higher level of personal finance.
• Bundle and Save – If you can bundle your home and auto insurance with one insurance company you could earn a discount of 10% to 20% off each policy.
• Lower Rates for Military – Being on active duty in the military could qualify you for better prices.
• Accident Forgiveness Coverage – Not really a discount, but a handful of insurance companies will forgive one accident without raising rates if you have no claims prior to being involved in the accident.
• Good Students Pay Less – Performing well in school may save you up to 25%. Most companies allow this discount well after school through age 25.
• Drivers Education – It’s a good idea to have your young drivers successfully take a driver’s education course as it will make them better drivers and lower rates.
• Clubs and Organizations – Joining a professional or civic organization could earn you a nice discount on your next auto insurance statement.

A quick disclaimer, most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will help lower your auto insurance premiums.

The illustration below illustrates the difference between Jeep Wrangler insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, no claims, a clean driving record, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, multi-policy, and claim-free discounts applied.

Popular auto insurance companies and their offered discounts are:

• GEICO offers discounts for daytime running lights, anti-lock brakes, membership and employees, emergency military deployment, federal employee, and good student.
• Travelers offers discounts including multi-car, good student, home ownership, continuous insurance, multi-policy, and driver training.
• Farm Bureau policyholders can earn discounts including renewal discount, 55 and retired, driver training, youthful driver, multi-policy, and good student.
• Liberty Mutual has savings for safety features, teen driver discount, preferred payment discount, hybrid vehicle, and new graduate.
• American Family offers premium reductions for good student, air bags, TimeAway discount, mySafetyValet, multi-vehicle, Steer into Savings, and defensive driver.
• Progressive may include discounts for online signing, multi-policy, homeowner, good student, continuous coverage, and multi-vehicle.

When getting free Lincoln auto insurance quotes, it’s a good idea to each company or agent which credits you are entitled to. Some credits may not be available in Lincoln.

Car insurance companies ranked

Finding the highest-rated auto insurance provider is difficult considering how many different companies there are to choose from in Lincoln. The ranking information listed below may help you decide which auto insurance companies you want to consider when shopping your coverage around.

Top 10 Lincoln Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Top 10 Lincoln Car Insurance Companies Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance