Truthfully, the best way to get discount Jeep Wrangler insurance in Boston is to start doing a yearly price comparison from insurers that insure vehicles in Massachusetts.
- Get a basic knowledge of car insurance and the changes you can make to drop your rates. Many rating criteria that are responsible for high rates such as getting speeding tickets and a lousy credit rating can be improved by making minor changes to your lifestyle. This article gives additional tips to keep prices down and find additional discounts.
- Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can quote rates from multiple insurance companies. Start a quote
- Compare the new rates to your current policy premium to determine if switching companies saves money. If you find a lower rate and change companies, ensure there is no coverage lapse between policies.
- Provide notification to your current company of your intent to cancel the current policy. Submit any necessary down payment along with the completed application to the new insurer. As soon as you receive it, put the new proof of insurance paperwork in a readily accessible location in your vehicle.
A key point to remember is to make sure you’re comparing identical coverage information on every quote request and to quote with as many companies as feasibly possible. This enables a level playing field and the best price quote selection.
It’s well known that insurance companies want to keep you from shopping around. Insureds who compare price quotes are inclined to buy a new policy because there is a significant possibility of finding a policy with better rates. Surprisingly, a recent survey revealed that people who did price comparisons regularly saved as much as $865 a year as compared to drivers who don’t regularly compare prices.
If finding the lowest price on Jeep Wrangler insurance in Boston is the reason you’re here, learning how to shop and compare insurance coverage can help simplify the process.
When comparison shopping, comparing more quotes helps locate the best rates.
The companies shown below have been selected to offer free quotes in Massachusetts. If multiple companies are listed, it’s a good idea that you get price quotes from several of them to get the most competitive price.
Boston auto insurance discounts
Companies offering auto insurance do not advertise their entire list of discounts very clearly, so the next list breaks down both the well known in addition to some of the lesser obvious auto insurance savings.
- Student Driver Training – Have your child enroll in driver’s education as it can save substantially.
- 55 and Retired – Drivers that qualify as senior citizens may receive a slight reduction on a Boston car insurance quote.
- Discounts for Government Workers – Employees or retirees of the government can save as much as 8% with select insurance companies.
- Life Insurance – Select companies reward you with lower premium rates if you buy a life insurance policy as well.
- No Accidents – Good drivers with no accidents are rewarded with significantly better rates on Boston car insurance quote in comparison with drivers with a long claim history.
- Auto/Home Discount – If you combine your home and auto policies with the same insurance company you will save at least 10 to 15 percent or more.
- E-sign – Many larger companies provide a small discount shop Boston car insurance on the web.
- Homeowners Savings – Owning a home in Boston can save you money because it is proof that your finances are in order.
- Anti-lock Brake Discount – Vehicles that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
- Safe Driver Discounts – Insureds who avoid accidents can save as much as half off their rates than drivers with accident claims.
As a footnote on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.
The illustration below shows the difference between Jeep Wrangler premium costs with and without discounts applied to the rates. The premiums assume a male driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, multi-car, and claim-free discounts applied.
Some of the larger companies that may offer policyholders most of these discounts are:
When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Discounts might not be offered on policies in Boston. If you would like to view insurers with the best Jeep Wrangler insurance discounts in Massachusetts, follow this link.
Insurance coverage details
The coverage information shown next outlines a range of insurance costs for Jeep Wrangler models. Having knowledge of how auto insurance prices are determined can aid in making smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$142||$192||$320||$18||$96||$768||$64|
|Wrangler Unlimited Sport 2WD 4-Dr||$142||$192||$402||$24||$120||$880||$73|
|Wrangler Sport Islander Package 4WD 2-Dr||$142||$246||$320||$18||$96||$822||$69|
|Wrangler Unlimited Sport 4WD 4-Dr||$164||$192||$402||$24||$120||$902||$75|
|Wrangler Sahara 4WD 2-Dr||$164||$246||$320||$18||$96||$844||$70|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$164||$192||$402||$24||$120||$902||$75|
|Wrangler Unlimited Sahara 2WD 4-Dr||$164||$192||$402||$24||$120||$902||$75|
|Wrangler Rubicon 4WD 2-Dr||$164||$246||$320||$18||$96||$844||$70|
|Wrangler Unlimited Sahara 4WD 4-Dr||$164||$246||$402||$24||$120||$956||$80|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$184||$246||$402||$24||$120||$976||$81|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Prices do not factor in specific Boston garaging location which can revise prices greatly.
The illustration below demonstrates how choosing different deductibles and can increase or decrease Jeep Wrangler premium costs for different insured age categories. The premiums are based on a single female driver, full coverage, and no policy discounts are applied.
Drive responsibly or pay higher rates
The diagram below demonstrates how citations and at-fault fender-benders drive up Jeep Wrangler insurance prices for each age group. The premium estimates are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Jeep Wrangler liability rates compared to full coverage
The chart below shows the comparison of Jeep Wrangler auto insurance costs with liability coverage only compared to full coverage. Data assumes no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There is no written rule to delete physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s assume your Jeep Wrangler replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after you pay the deductible. If you are paying more than $500 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some conditions where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.
Boston Insurance Premiums are Influenced by These Factors
Smart consumers have a good feel for some of the elements that aid in calculating your premiums. When you understand what determines premiums, this allows you to make good choices that can earn you cheaper rates.
Cheaper rates by consolidating – Some auto insurance companies provide lower prices to customers that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, consumers should still get quotes from other companies to help guarantee you have the best rates.There is a chance you can save even more by buying auto insurance from a different company.
Drive lots and pay more – The more you drive each year the more you will pay for auto insurance. Most insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles that do not get driven very much receive better premium rates than vehicles that are driven to work every day. It’s a good idea to make sure your auto insurance policy properly reflects the correct usage for each vehicle. Having the wrong rating on your Wrangler is just wasting money.
The type of vehicle makes a difference – The performance level of the car you are insuring makes a huge difference in your auto insurance rates. Small economy passenger cars usually have the lowest premiums, but many other things help determine your insurance rates.
The following chart uses these assumptions: single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. The data compares Jeep Wrangler rates compared to other models of vehicles that have a range of performances.
More traffic equals higher premiums – Choosing to live in areas with lower population can save you money when shopping for auto insurance. Fewer people means a lower chance of having an accident in addition to fewer liability claims. Residents of big cities regularly have traffic congestion and much longer commute distances. More time behind the wheel statistically corresponds to a higher accident and claim rate.
Amount of liability coverage – Your auto insurance policy’s liability coverage will protect you when you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
No auto insurance gaps is important – Driving with no insurance is against the law and auto insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, getting caught without coverage may earn you fines and jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Massachusetts department of motor vehicles.
Drivers with high credit save on auto insurance – A driver’s credit rating is a large factor in calculating your premium rate. So if your credit score can use some improvement, you could save money insuring your Jeep Wrangler by taking the time to improve your credit score. Insureds with high credit scores tend to be more responsible and file fewer claims as compared to drivers with poor credit.
Jeep Wrangler historical loss data – Insurance companies factor in insurance loss information to calculate a rate that offsets possible losses. Models that tend to have increased losses will have increased rates. The data below shows the actual insurance loss data for Jeep Wrangler vehicles.
For each type of coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is equal to 100. Values that are under 100 suggest a positive loss record, while values that are above 100 indicate more frequent claims or statistically larger claims.
|Vehicle 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|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Comparing rates from local Boston insurance agents
Many drivers would prefer to talk to an insurance agent and doing that can be a smart decision One of the great benefits of getting online price quotes is you can get cheaper rates and still buy from a local agent.
After completing this form (opens in new window), your information is sent to local insurance agents who will give you quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent on your own since rate quotes are delivered instantly to you. You can find lower rates without having to waste a lot of time. In the event you want to compare prices from one company in particular, you just need to find their quoting web page to submit a rate quote request.
Choosing the best provider shouldn’t rely on just the premium amount. Here are some questions you might want to ask.
- By raising physical damage deductibles, how much would you save?
- Can glass repairs be made at your home?
- Are they properly licensed to sell insurance in Massachusetts?
- Will they take your side in the event of a claim?
- How often do they review coverages?
- What company do they have the most business with?
- Are they full-time agents?
- Is the coverage adequate for your vehicle?
Exclusive agents vs. Independent agents
If you are wanting to purchase auto insurance from a local Boston insurance agent, you should know the different types of agencies and how they can service your needs differently. Agents in Boston may be either exclusive agents or independent agents.
Exclusive insurance agents are contracted to one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. They are usually well trained on what they offer which aids in selling service over price. Many people use the same agent primarily because of the brand legacy rather than low price.
The following is a short list of exclusive agents in Boston that are able to give price quote information.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Independent agencies are not limited to a single company so they can write business through lots of different companies and find the cheapest rate. If your premiums go up, they can switch companies in-house and you won’t have to switch agencies. When shopping rates, you will want to include price quotes from a few independent agents to get the most accurate price comparison. Many write coverage with additional companies that you may not be familiar with which could offer lower prices.
The following is a short list of independent agencies in Boston who can help you get comparison quotes.
- Walter Kwan – Prudential Financial
72 Kneeland St Suite 301 – Boston, MA 02111 – (617) 482-6918 – View Map
- Richard Soohoo Insurance
1148 Washington St – Boston, MA 02118 – (617) 338-8168 – View Map
- Pilgrim Insurance Co
695 Atlantic Ave – Boston, MA 02111 – (617) 956-6000 – View Map
After receiving good responses as well as offering an affordable quote, you have narrowed it down to a car insurance agent that meets your needs to insure your vehicles. Just be aware that you have the power to cancel coverage for any reason so don’t assume you’re contractually obligated to the auto insurance policy for a certain time period.
Don’t give up on affordable rates
Budget-friendly insurance in Boston can be purchased online and also from your neighborhood Boston agents, so get free Boston car insurance quotes from both of them to have the best rate selection. Some insurance companies may not provide price quotes online and many times these regional insurance providers only sell coverage through independent agents.
When shopping online for insurance, you should never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced full coverage only to discover later that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price.
We just showed you some good ideas how you can lower your Jeep Wrangler insurance prices in Boston. The key thing to remember is the more companies you get rates for, the better likelihood of getting affordable Jeep Wrangler insurance quotes. You may even find the lowest prices come from a company that doesn’t do a lot of advertising.
More detailed insurance information is available by following these links:
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Who Has Cheap Boston Auto Insurance for Drivers Under 25? (FAQ)
- What Insurance is Cheapest for a Honda Accord in Boston? (FAQ)
- What Insurance is Cheapest for Welfare Recipients in Boston? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)