The recommended way to save on car insurance rates in Irvine is to compare prices once a year from different companies in California. Rates can be compared by following these guidelines.
- Spend some time learning about individual coverages and the measures you can control to prevent high rates. Many rating factors that result in higher prices such as accidents, careless driving, and an imperfect credit rating can be rectified by paying attention to minor details. This article provides more information to prevent high rates and get additional discounts that may be available.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while independent agencies can provide prices from multiple insurance companies.
- Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in Irvine. If you find better rates and buy the policy, make sure there is no lapse in coverage.
The key aspect of shopping around is to use the same amount of coverage on every quote and and to analyze every insurance company. This guarantees a fair rate comparison and a thorough price selection.
It’s an obvious conclusion that car insurance companies don’t want customers comparing rates. People who compare other rates are inclined to buy a new policy because there is a significant possibility of finding lower prices. A recent survey found that people who shopped around saved as much as $3,400 over four years as compared to drivers who didn’t regularly shop around.
If finding discount rates on auto insurance in Irvine is why you’re reading this, understanding how to find companies and compare coverages can help simplify the process.
This article’s intent is to let you in on the most effective way to quote insurance and also save some money in the process If you are already insured, you will be able to get lower rates using the ideas you’re about to read. Comparison shoppers just need to use the most efficient way to find the lowest price from multiple carriers.
The companies shown below are ready to provide comparison quotes in California. If you want to find cheap car insurance in Irvine, we recommend you click on several of them to find the cheapest car insurance rates.
Protect your Jeep vehicle and other assets
Despite the high cost, buying insurance is required in California but also provides important benefits.
First, most states have minimum liability requirements which means state laws require specific limits of liability in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your vehicle, most lenders will require that you have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may insure your Jeep at a much higher rate and require you to fork over for it.
Third, insurance protects both your Jeep Wrangler and your assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of carrying adequate insurance are without a doubt worth the cost, particularly when you have a large claim. Despite what companies tell you, the average driver overpays as much as $810 a year so you should quote rates at least once a year to be sure current rates are still competitive.
Jeep Wrangler coverage analysis
The coverage information displayed below outlines a range of insurance prices for Jeep Wrangler models. Knowing how prices are figured can help guide drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $168 | $214 | $456 | $26 | $136 | $1,000 | $83 |
| Wrangler Unlimited Sport 2WD 4-Dr | $168 | $214 | $568 | $34 | $170 | $1,154 | $96 |
| Wrangler Sport Islander Package 4WD 2-Dr | $168 | $274 | $456 | $26 | $136 | $1,060 | $88 |
| Wrangler Unlimited Sport 4WD 4-Dr | $192 | $214 | $568 | $34 | $170 | $1,178 | $98 |
| Wrangler Sahara 4WD 2-Dr | $192 | $274 | $456 | $26 | $136 | $1,084 | $90 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $192 | $214 | $568 | $34 | $170 | $1,178 | $98 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $192 | $214 | $568 | $34 | $170 | $1,178 | $98 |
| Wrangler Rubicon 4WD 2-Dr | $192 | $274 | $456 | $26 | $136 | $1,084 | $90 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $192 | $274 | $568 | $34 | $170 | $1,238 | $103 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $216 | $274 | $568 | $34 | $170 | $1,262 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes significantly.
Should you raise deductibles?
The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The following tables can help illustrate the rate difference between low and high coverage deductibles. The first data table uses a $100 deductible and the second pricing table uses a $500 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 | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Wrangler Unlimited Sport 2WD 4-Dr | $242 | $298 | $552 | $32 | $166 | $1,290 | $108 |
| Wrangler Sport Islander Package 4WD 2-Dr | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Wrangler Unlimited Sport 4WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Sahara 4WD 2-Dr | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $278 | $298 | $552 | $32 | $166 | $1,326 | $111 |
| Wrangler Rubicon 4WD 2-Dr | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $278 | $382 | $552 | $32 | $166 | $1,410 | $118 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $314 | $382 | $552 | $32 | $166 | $1,446 | $121 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in specific location which can change insurance rates substantially.
We can derive from the above data that using a $100 deductible will cost in the ballpark of $23 more each month or $276 each year averaged for all Wrangler models than requesting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 17 months between claim filings, you would come out ahead if you decide on a higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $100 deductibles: | $132 |
| Average monthly premium for $500 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
The chart below illustrates how your choice of deductibles and can change Jeep Wrangler insurance premiums for each age group. Data assumes a married female driver, full physical damage coverage, and no discounts are factored in.
Should you buy full coverage?
The chart below illustrates the comparison of Jeep Wrangler insurance premiums with full coverage and liability only. The prices are based on no claims or violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.
When to drop full coverage
There isn’t a steadfast formula to drop full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Jeep Wrangler replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are paying more than $600 annually for full coverage, then you might want to consider buying only liability coverage.
There are a few situations where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Discounts mean cheaper rates for Jeep Wrangler insurance in Irvine
Some insurance providers don’t always publicize every discount available in an easy-to-find place, so the list below contains a few of the more common and also the more inconspicuous car insurance savings.
- College Student – Children who attend college more than 100 miles from Irvine and do not take a car to college may qualify for this discount.
- Military Deployment Discount – Being deployed with a military unit could be rewarded with lower rates.
- Online Discount – A few insurance companies provide a small discount simply for signing digitally online.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.
- Buy New and Save – Buying car insurance coverage on a new vehicle can get you a discount since newer models have better safety ratings.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
You can save money using discounts, but most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
The diagram below illustrates the comparison of Jeep Wrangler annual premium costs with and without discounts applied to the policy rates. The costs are based on a female driver, no claims or violations, California 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 multi-policy, marriage, safe-driver, claim-free, multi-car, and homeowner discounts applied.
A few popular companies and some of their more popular discounts include:
- American Family discounts include good student, air bags, TimeAway discount, bundled insurance, and defensive driver.
- Nationwide has savings for easy pay, good student, business or organization, family plan, Farm Bureau membership, defensive driving, and anti-theft.
- MetLife includes discounts for multi-policy, defensive driver, good student, good driver, accident-free, claim-free
- 21st Century offers discounts including anti-lock brakes, 55 and older, air bags, early bird, driver training, and defensive driver.
- Farmers Insurance offers discounts for teen driver, mature driver, early shopping, bundle discounts, good student, switch companies, and business and professional.
- Allstate may include discounts for farm vehicle, anti-theft, early signing, multi-policy, utility vehicle, resident student, and FullPay discount.
It’s a good idea to ask every insurance company which discounts they offer. All car insurance discounts may not be offered everywhere.
Car insurance agents near you
A small number of people still prefer to talk to an insurance agent and that is a personal choice. Agents can answer important questions and help submit paperwork. One of the benefits of price shopping on the web is that you can obtain cheap insurance rates but also keep your business local. And providing support for small agencies is still important in Irvine.
To make it easy to find an agent, after completing this quick form, your insurance data is emailed to participating agents in Irvine that give free quotes for your business. You never need to search for any insurance agencies as quotes are delivered immediately to you. If you want to quote rates from a specific insurance provider, don’t hesitate to go to their quote page and fill out their quote form.
Finding a good provider should depend on more than just a low price. These are some valid questions you should ask.
- Does the company use OEM repair parts?
- How much training do they have in personal risk management?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- In the event of vehicle damage, can you pick the collision repair facility?
- Does the agent help file claims?
- Do they review policy coverages at every renewal?
- Is the quote a firm price?
- Do they specialize in personal lines auto insurance in Irvine?
When to get professional advice
When it comes to the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Every situation is different.
These are some specific questions may help you determine whether or not you would benefit from professional advice.
- Do I have coverage when pulling a U-Haul trailer?
- Do I really need UM/UIM coverage?
- What companies insure drivers after a DUI or DWI?
- What should my uninsured motorist coverage limits be in California?
- What does PIP insurance cover?
- Am I covered when using my vehicle for business?
If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.
More effort can pay off
Drivers who switch companies do it for any number of reasons including not issuing a premium refund, denial of a claim, unfair underwriting practices or even lack of trust in their agent. It doesn’t matter why you want to switch finding a new insurance company is not as difficult as it may seem.
As you shop your coverage around, you should never buy less coverage just to save a little money. In many instances, an accident victim reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.
Some insurance providers don’t offer price quotes online and many times these small insurance companies only sell through local independent agencies. Cost effective Jeep Wrangler insurance can be sourced on the web and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates.
Additional information is available below:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- How Much is Auto Insurance for Postal Workers in Irvine? (FAQ)
- Who Has Affordable Auto Insurance Rates for Uninsured Drivers in Irvine? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Medical Payments Coverage (Liberty Mutual)
- Event Data Recorders FAQ (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Institute)