We don’t have to point out that fact that auto insurance companies don’t want customers comparing rates. Consumers who do rate comparisons will, in all likelihood, move their business because there is a high probability of finding better rates. A recent survey revealed that consumers who compared prices once a year saved about $865 annually compared to those who never shopped for cheaper rates.
If finding the lowest price for Jeep Wrangler insurance in Corpus Christi is why you’re reading this, understanding how to find and compare auto insurance can save time and make the process easier.
If saving the most money is your goal, then the best way to save money on auto insurance rates is to compare prices at least once a year from providers in Corpus Christi.
- Spend some time learning about how companies price auto insurance and the measures you can take to drop your rates. Many factors that drive up the price like speeding and a substandard credit score can be eliminated by making minor changes to your lifestyle.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like Progressive or State Farm, while agents who are independent can quote rates for a wide range of companies. Find a Corpus Christi insurance agent
- Compare the new rates to the premium of your current policy to see if a cheaper price is available in Corpus Christi. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your current company to cancel your current coverage. Submit a down payment along with a signed application to your new carrier. Immediately upon receiving it, put the new proof of insurance certificate along with the vehicle’s registration papers.
An important bit of advice to remember is to try to compare the same coverage limits and deductibles on every quote and and to get price estimates from every insurance company. Doing this enables an apples-to-apples comparison and a good representation of prices.
Locating the most cost-effective auto insurance policy in Corpus Christi is not rocket science. If you are already insured or are looking for a new policy, you can use these tips to get lower rates while maximizing coverage. Smart buyers just have to use the tricks to compare different rates from many different companies.
Save a ton on Jeep Wrangler insurance in Corpus Christi with these nine auto insurance discounts
Some insurers don’t necessarily list the complete list of policy discounts very well, so we break down a few of the more common and also the more inconspicuous discounts that may be available. If you do not check that you are getting every discount you qualify for, you are just wasting money.
- First Accident Forgiveness – Not really a discount, but a few companies such as Allstate and State Farm will forgive one accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
- Home Ownership Discount – Just owning your own home can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
- Senior Citizen Rates – Older drivers may be able to get a small decrease in premiums.
- Military Rewards – Being on active deployment in the military may qualify for rate reductions.
- Renewal Discounts – Some larger companies give discounts for signing up prior to your current Wrangler insurance policy expiration. This discount can save up to 10%.
- College Student Discount – Kids who are enrolled in higher education away from home and leave their car at home can receive lower rates.
- Multiple Cars – Purchasing coverage when you have more than one vehicle on a single policy can get a discount on all vehicles.
- Safety Restraint Discount – Forcing all vehicle occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
You should keep in mind that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic.
The diagram below visualizes the comparison of Jeep Wrangler premium costs with and without discounts applied to the premium. The rates are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, multi-car, homeowner, and safe-driver discounts applied.
To choose insurance companies who offer cheap Jeep Wrangler insurance quotes in Corpus Christi in Texas, click here to view.
The quickest way to compare car insurance company rates for Jeep Wrangler insurance in Corpus Christi is to understand almost all companies allow for online access to compare their rates. To get started, all you need to do is provide information such as your general credit rating, how you use your vehicles, if the vehicle is leased, and what your job is. Those rating factors is automatically sent to multiple top-rated companies and they return cost estimate instantly to find the best rate.
To find the cheapest car insurance rates, click here and find out if you can get cheaper insurance in Corpus Christi.
The companies shown below are ready to provide price comparisons in Texas. If your goal is to find cheap car insurance in TX, we suggest you get price quotes from several of them in order to get a fair rate comparison.
Rates and other information
The premium information below highlights estimates of insurance prices for Jeep Wrangler models. Having a good understanding how prices are figured can help you make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $144 | $184 | $392 | $24 | $118 | $862 | $72 |
| Wrangler Unlimited Sport 2WD 4-Dr | $144 | $184 | $490 | $30 | $146 | $994 | $83 |
| Wrangler Sport Islander Package 4WD 2-Dr | $144 | $236 | $392 | $24 | $118 | $914 | $76 |
| Wrangler Unlimited Sport 4WD 4-Dr | $166 | $184 | $490 | $30 | $146 | $1,016 | $85 |
| Wrangler Sahara 4WD 2-Dr | $166 | $236 | $392 | $24 | $118 | $936 | $78 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $166 | $184 | $490 | $30 | $146 | $1,016 | $85 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $166 | $184 | $490 | $30 | $146 | $1,016 | $85 |
| Wrangler Rubicon 4WD 2-Dr | $166 | $236 | $392 | $24 | $118 | $936 | $78 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $166 | $236 | $490 | $30 | $146 | $1,068 | $89 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $186 | $236 | $490 | $30 | $146 | $1,088 | $91 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in specific location which can modify premium rates noticeably.
Where to set your deductibles
One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The comparisons below determine the costs and benefits of buying low and high deductibles. The first set of rates uses a $100 deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $286 | $382 | $382 | $22 | $114 | $1,211 | $101 |
| Wrangler Unlimited Sport 2WD 4-Dr | $286 | $382 | $476 | $28 | $142 | $1,339 | $112 |
| Wrangler Sport Islander Package 4WD 2-Dr | $286 | $486 | $382 | $22 | $114 | $1,315 | $110 |
| Wrangler Unlimited Sport 4WD 4-Dr | $328 | $382 | $476 | $28 | $142 | $1,381 | $115 |
| Wrangler Sahara 4WD 2-Dr | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $328 | $382 | $476 | $28 | $142 | $1,381 | $115 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $328 | $382 | $476 | $28 | $142 | $1,381 | $115 |
| Wrangler Rubicon 4WD 2-Dr | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $328 | $486 | $476 | $28 | $142 | $1,485 | $124 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $370 | $486 | $476 | $28 | $142 | $1,527 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $208 | $258 | $382 | $22 | $114 | $984 | $82 |
| Wrangler Unlimited Sport 2WD 4-Dr | $208 | $258 | $476 | $28 | $142 | $1,112 | $93 |
| Wrangler Sport Islander Package 4WD 2-Dr | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Wrangler Unlimited Sport 4WD 4-Dr | $240 | $258 | $476 | $28 | $142 | $1,144 | $95 |
| Wrangler Sahara 4WD 2-Dr | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $240 | $258 | $476 | $28 | $142 | $1,144 | $95 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $240 | $258 | $476 | $28 | $142 | $1,144 | $95 |
| Wrangler Rubicon 4WD 2-Dr | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $240 | $328 | $476 | $28 | $142 | $1,214 | $101 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $270 | $328 | $476 | $28 | $142 | $1,244 | $104 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.
Based on the above data, using a $100 deductible could cost the average driver approximately $21 more each month or $252 each year averaged for all Wrangler models than selecting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at least 19 months between claims, you would probably come out ahead if you opt for a higher deductible.
The chart below demonstrates how choosing different deductibles and can impact Jeep Wrangler premium costs for different age categories. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
How violations and accidents impact rates
The chart below illustrates how speeding tickets and accidents can raise Jeep Wrangler car insurance rates for each different age category. The premiums are based on a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.
Jeep Wrangler insurance premiums by gender
The illustration below compares Jeep Wrangler auto insurance costs for male and female drivers. The prices are based on no claims or driving violations, comp and collision included, $250 deductibles, marital status is single, and no additional discounts are factored in.
How much more does full coverage cost?
The illustration below illustrates the difference between Jeep Wrangler auto insurance rates when comparing full coverage to state minimum liability only. The rate quotes are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you pay for full coverage?
There isn’t a written rule for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s pretend your Jeep Wrangler replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after paying the physical damage deductible. If you are currently paying more than $800 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Local insurance agents
Many drivers would prefer to go talk to an agent and that can be a great decision Good insurance agents can help you choose the best coverages and give you someone to call. The best thing about getting free rate quotes online is that you can find better rates and still have a local agent.
To help locate an agent, after submitting this simple form, your information gets sent to agents in your area that can provide free Corpus Christi car insurance quotes to get your business. There is no need to contact any agents because quoted prices will be sent to you directly. If you wish to get a rate quote from a specific auto insurance provider, you would need to go to their quote page and give them your coverage information.
Finding the right provider should include more criteria than just a low price. These are some valid questions you should ask.
- Does the company allow you to choose your own collision repair facility?
- How much can you save by raising your physical damage deductibles?
- Do they assist clients in filing claims?
- Is there a local claims center in Corpus Christi?
- Do they make recommendations based only on price?
- What is the financial rating for the quoted company?
Not all car insurance agents are the same
When finding a good Corpus Christi insurance agent, there are two different agency structures and how they are slightly different. Auto insurance agents are either independent agents or exclusive agents. Either one can do a good job, but we need to point out the subtle differences because it can impact the selection process.
Exclusive Agents
Exclusive agencies can usually just insure with one company and some examples include Allstate and State Farm. These agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. They receive extensive training on their company’s products which helps them sell on service rather than price. Consumers sometimes buy insurance from these agents primarily because of the prominent brand name and strong financial ratings.
Listed below are exclusive agents in Corpus Christi who may provide you with price quotes.
- Felix Pena – State Farm Insurance Agent
5718 McArdle Rd #105 – Corpus Christi, TX 78412 – (361) 992-7760 – View Map - Joely DelVecchio – State Farm Insurance Agent
525 Glazebrook St c – Corpus Christi, TX 78404 – (361) 906-2886 – View Map - Allstate Insurance: Jesse Trevino
4721 Bonner Dr Ste 101 – Corpus Christi, TX 78411 – (361) 986-1000 – View Map
Independent Agents
Agents that elect to be independent can quote rates with many companies and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your policy is moved internally and you won’t have to switch agencies. When comparison shopping, you should always include price quotes from independent agents to have the most options to choose from. They also have the ability to place coverage with mutual insurance companies that may provide cheaper auto insurance rates.
Listed below is a list of independent insurance agencies in Corpus Christi that can give you comparison quotes.
- Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543 – View Map - Annaville Insurance
14602 Compass St a – Corpus Christi, TX 78418 – (361) 949-6787 – View Map - Moore Insurance Agency
500 N Water St #702 – Corpus Christi, TX 78401 – (361) 991-9000 – View Map
Educate yourself about auto insurance coverages
Learning about specific coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Jeep Wrangler.
Due to the fact that many Texas drivers carry very low liability coverage limits (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Auto liability insurance
Liability insurance will cover damages or injuries you inflict on other’s property or people. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 30/60/25 that means you have $30,000 in coverage for each person’s injuries, $60,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability insurance covers claims like repair bills for other people’s vehicles, pain and suffering, medical services, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but drivers should carry better liability coverage.
The next chart demonstrates why buying the state minimum limits may not be adequate coverage.
Coverage for medical payments
Med pay and PIP coverage pay for expenses like dental work, EMT expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
Comprehensive coverages
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like rock chips in glass, damage from a tornado or hurricane, hail damage, a broken windshield and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision coverage protection
This coverage pays for damage to your Wrangler caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible on your Wrangler to save money on collision insurance.
Find cheaper rates by comparing often
When buying insurance coverage, never skimp on coverage in order to save money. There have been many situations where someone dropped collision coverage only to discover later that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford, but do not skimp to save money.
Consumers who switch companies do it for any number of reasons including high prices, lack of trust in their agent, policy cancellation or even questionable increases in premium. No matter why you want to switch, choosing a new insurance company can be less work than you think.
Cheap Jeep Wrangler insurance in Corpus Christi is attainable from both online companies as well as from independent agents in Corpus Christi, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and many times these regional carriers work with independent insurance agents.
More detailed car insurance information is located at these sites:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- What Car Insurance is Cheapest for High Mileage Drivers in Corpus Christi? (FAQ)
- Who Has Affordable Corpus Christi Auto Insurance Quotes for Seniors? (FAQ)
- What Auto Insurance is Cheapest for Drivers Over Age 50 in Corpus Christi? (FAQ)
- Who Has Affordable Auto Insurance for 19 Year Olds in Corpus Christi? (FAQ)
- What Car Insurance is Cheapest for Good Drivers in Corpus Christi? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Teen Driving Statistics (GEICO)
- Drunk Driving Statistics (Insurance Information Institute)