The best way to save on car insurance rates in Sacramento is to compare quotes annually from insurers in California. You can shop around by completing these steps.
- Step 1: Try to comprehend the different coverages in a policy and the measures you can take to keep rates in check. Many risk factors that cause high rates like your driving record and bad credit can be eliminated by making small lifestyle or driving habit changes.
- Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agents can give you price quotes for many different companies.
- Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper price is available. If you can save some money and decide to switch, verify that coverage does not lapse between policies.
One thing to point out is to make sure you enter identical deductibles and limits on every quote request and and to analyze every insurance company. This helps ensure a fair rate comparison and many rates to choose from.
It’s a fact that auto insurance companies don’t want customers comparing rates. Consumers who perform rate comparisons are likely to switch companies because they have good chances of finding a policy with more affordable rates. Remarkably, a study showed that drivers who compared rates once a year saved an average of $72 a month compared to policyholders who never shopped around for cheaper prices.
If saving money on Jeep Wrangler insurance in Sacramento is your goal, learning how to get rate quotes and compare insurance premiums can help make the process easier and more efficient.
Affordable auto insurance in Sacramento, CA
The auto insurance companies shown below offer comparison quotes in Sacramento, CA. If your goal is to find cheap auto insurance in Sacramento, we recommend you visit two to three different companies to get a more complete price comparison.
Jeep Wrangler insurance statistics and information
The information below highlights a range of coverage prices for Jeep Wrangler models. Having a good understanding how policy premiums are formulated is important for you to make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $188 | $254 | $424 | $26 | $126 | $1,018 | $85 |
| Wrangler Unlimited Sport 2WD 4-Dr | $188 | $254 | $530 | $32 | $158 | $1,162 | $97 |
| Wrangler Sport Islander Package 4WD 2-Dr | $188 | $324 | $424 | $26 | $126 | $1,088 | $91 |
| Wrangler Unlimited Sport 4WD 4-Dr | $216 | $254 | $530 | $32 | $158 | $1,190 | $99 |
| Wrangler Sahara 4WD 2-Dr | $216 | $324 | $424 | $26 | $126 | $1,116 | $93 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $216 | $254 | $530 | $32 | $158 | $1,190 | $99 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $216 | $254 | $530 | $32 | $158 | $1,190 | $99 |
| Wrangler Rubicon 4WD 2-Dr | $216 | $324 | $424 | $26 | $126 | $1,116 | $93 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $216 | $324 | $530 | $32 | $158 | $1,260 | $105 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $244 | $324 | $530 | $32 | $158 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in garaging location in Sacramento which can change premiums greatly.
Rate comparison for different deductibles
One of the most common insurance questions is which deductibles should you choose. The data tables below sum up how much more rates are when you buy lower versus higher comp and collision deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $332 | $442 | $442 | $26 | $132 | $1,399 | $117 |
| Wrangler Unlimited Sport 2WD 4-Dr | $332 | $442 | $552 | $32 | $166 | $1,549 | $129 |
| Wrangler Sport Islander Package 4WD 2-Dr | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Wrangler Unlimited Sport 4WD 4-Dr | $380 | $442 | $552 | $32 | $166 | $1,597 | $133 |
| Wrangler Sahara 4WD 2-Dr | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $380 | $442 | $552 | $32 | $166 | $1,597 | $133 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $380 | $442 | $552 | $32 | $166 | $1,597 | $133 |
| Wrangler Rubicon 4WD 2-Dr | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $380 | $564 | $552 | $32 | $166 | $1,719 | $143 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $430 | $564 | $552 | $32 | $166 | $1,769 | $147 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in specific garaging location which can modify coverage prices noticeably.
Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $35 more each month or $420 annually than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 26 months between claims, you would most likely save money if you opt for a higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $132 |
| Average monthly premium for $1,000 deductibles (subtract): | – $97 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
An important sidenote is that raising deductibles means you pay more out-of-pocket at claim time. You must have access to more funds in the event you have to pay more to get your vehicle repaired.
The illustration below highlights how deductible selection and can affect Jeep Wrangler premium costs for each age group. The premium estimates are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
Age, gender, and Jeep Wrangler insurance
The example below shows the difference between Jeep Wrangler premium costs for male and female drivers. The premium estimates are based on no claims or violations, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Informed Drivers Know How to Quote Car Insurance More Affordably
An important part of buying insurance is that you know the different types of things that help determine the price you pay for car insurance. If you have some idea of what determines premiums, this allows you to make educated decisions that could help you find lower premium levels. Lots of things are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but other criteria are not as apparent such as your credit history or your vehicle rating.
- Where you live is a factor – Having an address in less populated areas can save you money when talking about car insurance. People in densely populated areas tend to have more traffic problems and much longer commute distances. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates.
- Deter theft and pay less – Choosing to buy a car with advanced anti-theft systems can save you some money. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft and help lower rates.
- Use one insurance company and save – Some insurance companies give better rates to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, you still need to compare Jeep Wrangler rates in Sacramento to make sure you are getting the best deal.
- Get better costs if you’re married – Having a significant other may cut your premiums compared to being single. Marriage generally demonstrates drivers are less irresponsible and insurance companies like that married drivers tend to file fewer claims.
-
Rates increase with driving citations – Your driving record impacts premiums far more than you think. Just one ticket can bump up the cost forty percent or more. Drivers with clean records pay lower auto insurance prices as compared to careless drivers. Drivers with license-revoking tickets like reckless driving, hit and run or driving under the influence are required to complete a SR-22 with their state’s licensing department in order to keep their license.
The example below shows how speeding tickets and at-fault fender-benders increase Jeep Wrangler auto insurance rates for different ages of insureds. The premiums assume a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
- Eliminate add-on coverages – Policies have extra coverages that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, towing, and motor club memberships are some examples. The coverages may be enticing when talking to your agent, but if they’re wasting money eliminate them to save money.
-
Claims statistics for a Jeep Wrangler – Companies use statistical claims data as a way to help calculate a profitable premium rate. Models that the data shows to have a trend towards higher claim severity or frequency will have higher premium rates.
The next table illustrates the collected loss data for Jeep Wrangler vehicles. For each insurance policy coverage type, the claim amount for all vehicles compiled together is a value of 100. Numbers that are below 100 suggest losses that are better than average, while numbers above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.
Insurance Loss Ratings for Jeep Wrangler Vehicles Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Jeep Wrangler 2dr SWB 4WD 54 134 71 57 52 102 Jeep Wrangler 4dr 4WD 58 151 82 66 62 120 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Jeep Wrangler insurance discounts in Sacramento
Some insurers don’t list every available discount in an easy-to-find place, so here is a list a few of the more well known and the more hidden discounts you could be receiving when you buy Sacramento car insurance online.
- Anti-theft Discount – Cars with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
- Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase a life policy as well.
- Own a Home – Just being a homeowner can help you save on insurance due to the fact that maintaining a home demonstrates responsibility.
- Passenger Safety Discount – Factory air bags and/or automatic seat belt systems could see savings of up to 25% or more.
- Paperless Signup – Some larger companies give back up to $50 for buying your policy digitally online.
- Low Mileage Discounts – Driving fewer miles can qualify you for cheaper prices.
- Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less since new model year vehicles have better safety ratings.
- Discount for Swiching Early – A few insurance companies allow discounts for buying a new policy early. You could save around 10% when you buy Sacramento car insurance online.
- Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.
The illustration below illustrates the difference between Jeep Wrangler insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, multi-policy, claim-free, and safe-driver discounts applied.
A partial list of companies that may offer quotes with these discounts may include but are not limited to:
When getting free Sacramento car insurance quotes, it’s a good idea to every insurance company how many discounts you can get. Discounts might not be available to policyholders in Sacramento. To see a list of insurance companies that offer discounts in Sacramento, click here to view.
Car insurance agents can help
Many people prefer to buy from a licensed agent and that is OK! Agents are trained risk managers and help file insurance claims. One of the benefits of comparing car insurance online is that you can obtain cheap rate quotes and still have an agent to talk to. Putting coverage with local agents is important particularly in Sacramento.
By using this simple form, the coverage information is submitted to agents in your area who can give free rate quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies since rate quotes are delivered directly to you. If you want to get a price quote from a specific company, don’t hesitate to search and find their rate quote page and give them your coverage information.
Different types of Sacramento auto insurance agents
If you want a good Sacramento insurance agent, you must know there are a couple different agency structures and how they operate. Car insurance agents in Sacramento can be categorized as either exclusive agents or independent agents. Both types can write policy coverage, but it is a good idea to know the subtle differences because it can factor into which agent you choose.
Independent Car Insurance Agencies
Independent agents often have many company appointments so they can insure your vehicles through lots of different companies and possibly get better coverage at lower prices. If your premiums go up, they simply switch companies in-house and the insured can keep the same agent. When comparing car insurance prices, we highly recommend that you include rate quotes from a couple of independent agencies for maximum quote selection. A lot of them also have access to companies that do not advertise much that can offer cheaper rates than bigger companies.
Featured below are Sacramento independent agencies that may be able to give comparison quotes.
- Thrive Insurance Agency
1353 Fulton Ave – Sacramento, CA 95825 – (916) 339-6490 – View Map - Leland Insurance Agency
910 Florin Rd # 108 – Sacramento, CA 95831 – (916) 428-1309 – View Map - Apna Insurance Agency
3022 Stockton Blvd #5 – Sacramento, CA 95820 – (916) 454-4495 – View Map
Exclusive Agents
These agents can only provide one company’s prices such as Farmers Insurance or State Farm. They generally cannot shop your coverage around so they have to upsell other benefits. Exclusive insurance agents receive extensive training on their company’s products and that enables them to sell even at higher rates. Some people will only use the same agent mostly because of the brand rather than low rates.
Listed below are exclusive agencies in Sacramento that are able to give rate quotes.
- Ken Perry – State Farm Insurance Agent
2724 24th St #200 – Sacramento, CA 95818 – (916) 452-6668 – View Map - Moira Little – State Farm Insurance Agent
9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985 – View Map - GEICO: Vincent Harris
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map
Finding a good car insurance agent requires more thought than just the quoted price. Any good agent in Sacramento should know the answers to these questions.
- Does the agency provide any after hours assistance?
- Do you need full coverage on every vehicle?
- What company do they have the most business with?
- Will they make sure you get an adequate claim settlement?
- Does the agency support the community they serve?
- How long has their agency been in business in Sacramento?
- How many years of experience in personal auto insurance do they have?
- Has the agent ever had any license suspensions?
Best auto insurance in California
Choosing the right car insurance company is hard considering how many companies are available to choose from in Sacramento. The rank data shown below can help you choose which coverage providers to look at comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Which policy gives me the best coverage?
When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Every situation is different and your policy should reflect that.
Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.
- Am I covered by my spouse’s policy after a separation?
- Does insurance cover tools stolen from my truck?
- If I drive on a suspended license am I covered?
- Am I covered if hit by an uninsured driver?
- Do I need higher collision deductibles?
- Where can I get insurance after a DUI in California?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Frequent quotes can save
In this article, we presented many tips how you can get a better price on Jeep Wrangler insurance in Sacramento. The key thing to remember is the more providers you compare, the better chance you’ll have of finding the cheapest Jeep Wrangler rate quotes. Drivers may even discover the best auto insurance rates are with a smaller regional carrier. Smaller companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.
Cheaper car insurance in Sacramento is possible both online in addition to many Sacramento insurance agents, so you need to quote Sacramento car insurance with both so you have a total pricing picture. Some companies may not provide online quoting and many times these small insurance companies work with independent agents.
More tips and info about car insurance can be read at these sites:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Quotes for Drivers Under 25 in Sacramento? (FAQ)
- What Auto Insurance is Cheapest for 18 Year Olds in Sacramento? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Subaru Outback in Sacramento? (FAQ)
- What is a Telematics Device? (Allstate)
- A Tree Fell on Your Car: Now What? (Allstate)