Jeep Wrangler Insurance Quotes in Denver

Searching for the cheapest Jeep Wrangler insurance in Denver? Price shopping your Jeep Wrangler insurance in Denver could be difficult for beginners to online comparison shopping. Drivers have so many different companies and agents to choose from that it can easily become a chore to find the best premium rates.

It’s amazing but a large majority of drivers kept buying from the same company for four years or more, and nearly half have never even shopped around for lower-cost coverage. The average driver in the U.S. could save almost $860 each year by just shopping around, but they don’t want to take the time to find lower-cost insurance by shopping around.

It’s important to quote other rates once or twice a year because car insurance prices trend upward over time. Even if you think you had the best rates on Jeep Wrangler insurance in Denver a couple years back the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because you’re going to learn one of the best ways to find better rates and still maintain coverage.

Most companies allow consumers to get coverage prices from their websites. Comparing prices online for Jeep Wrangler insurance in Denver is fairly straightforward as you simply enter your coverage information into the quote form. Once you submit the form, their quoting system makes automated requests for credit information and your driving record and provides a quote determined by many factors.

Getting online rates for Jeep Wrangler insurance in Denver helps simplify price comparisons, and it’s absolutely necessary to get many rate quotes in order to get the cheapest price.

To quickly find out how much you’re overpaying now, compare rates from the companies below. If you have coverage now, it’s recommended you complete the form with the insurance coverages just like they are on your policy. This guarantees you will have a price comparison for similar insurance coverage.

The following companies can provide comparison quotes in Colorado. If multiple companies are shown, we recommend you visit two to three different companies to get the best price comparison.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can decrease or increase auto insurance rates considerably.

How much more does full coverage cost in Denver?

The chart below illustrates the difference between Jeep Wrangler insurance costs with full coverage and liability only. The premiums are based on no claims or driving citations, $100 deductibles, single female driver, and no discounts are applied to the premium.

When to drop full coverage

There is no exact formula of when to phase out full coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s pretend your Jeep Wrangler settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after the policy deductible has been paid. If it’s costing you more than $200 annually for physical damage coverage, then it could be time to drop full coverage.

There are some cases where dropping physical damage coverage is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Rate comparison for different deductibles

When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The data tables below approximate the difference in cost when you choose different policy deductibles. The first rate estimation uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in vehicle location which can revise rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $21 more each month or $252 each year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 36 months between claim filings, you would come out ahead if you choose a higher deductible.

One important issue to know is that raising deductibles to save money means you will have to pay more of your own money when you do file a claim. You will want to have some money saved in the event you need to pay more for the deductible.

Jeep Wrangler insurance costs by gender and age in Denver

The chart below visualizes the comparison of Jeep Wrangler insurance costs for male and female drivers. The premium estimates are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.

Cheaper rates with these six discounts on Jeep Wrangler insurance in Denver

Some companies don’t always list every policy discount in a way that’s easy to find, so the list below details both well-publicized in addition to some of the lesser obvious credits that may apply to you.

• Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings up to 30%.
• Pay Early and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
• ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• Lower Rates for Military – Being on active duty in the military could trigger a small discount.
• Safe Driver Discount – Insureds who avoid accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
• More Vehicles More Savings – Purchasing coverage when you have multiple cars on one policy could earn a price break for each car.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Car insurance companies that may offer some of the discounts shown above include:

• State Farm
• Nationwide
• GEICO
• AAA
• 21st Century
• The Hartford

When comparing rates, check with each insurance company how you can save money. Savings may not apply in Denver. To view car insurance companies that provide some of the discounts listed above in Colorado, click here to view.

Insurance is available from local insurance agents

Some consumers still prefer to talk to an insurance agent and that is a personal choice. One of the best bonuses of comparing rate quotes online is that you can find lower rates and still have a local agent.

To help locate an agent, after submitting this simple form, your insurance coverage information is sent to insurance agents in Denver that provide free Denver auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies due to the fact that quote results will go directly to you. You’ll get the best rates AND a local agent. If you have a need to compare rates from a specific insurance company, you can always jump over to their website and complete a quote there.

Deciding on a company requires you to look at more than just the quoted price. Some important questions to ask are:

• Does the agency have a good rating with the Better Business Bureau?
• If you are a high risk driver, do they have special markets for your coverage?
• Who is covered by the car insurance policy?
• How long has their agency been in business in Denver?
• What is the financial rating for the quoted company?
• Does the agency support the community they serve?
• How many years of experience in personal auto insurance do they have?

If you would like to find a reputable agency, you should know the different agency structures that you can select. Insurance agencies are categorized either independent or exclusive.

Exclusive Insurance Agents

These agents can only provide pricing for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. They are unable to compare rates from other companies so they really need to provide good service. Exclusive agents are highly trained on their products and sales techniques and that enables them to sell even at higher rates. Consumers often choose to use a exclusive agent primarily because of loyalty to the company rather than low rates.

The following is a list of exclusive insurance agencies in Denver who can help you get rate quotes.

• Bao Ngoc Nguyen – State Farm Insurance Agent
  1699 S Federal Blvd b – Denver, CO 80219 – (303) 975-1100 – View Map
• Farmers Insurance – Angel Le
  1145 S Federal Blvd – Denver, CO 80219 – (303) 975-8911 – View Map
• Bob Chapman – State Farm Insurance Agent
  2335 E Evans Ave – Denver, CO 80210 – (303) 777-3005 – View Map

More Denver agents

Independent Insurance Agents

Agents of this type can quote rates with many companies and that gives them the ability to insure amongst many companies and find the cheapest rate. If your premiums go up, your policy is moved internally which requires no work on your part.

When comparing insurance rates, you need to check rates from multiple independent agents so that you have a good selection of quotes to compare. Most also have access to small regional insurance companies which may have better rates.

The following are independent agencies in Denver that are able to give comparison quotes.

• Henry Ham Agency, Inc
  645 E Evans Ave – Denver, CO 80210 – (303) 744-1341 – View Map
• American Home Insurance Agency
  7505 E Harvard Ave – Denver, CO 80231 – (888) 325-8108 – View Map
• FUSA Insurance Agency
  7900 E Union Ave #200 – Denver, CO 80237 – (303) 752-5806 – View Map

More Denver agents

If you get good feedback to all your questions as well as inexpensive Jeep Wrangler insurance in Denver quotes, it’s possible that you found an insurance agency that is a good match to adequately provide insurance. Just be aware that it’s your policy and you can terminate your policy at any time so don’t think that you’re stuck with a specific agent with no way to switch.

Auto insurance can be complex

When selecting coverage, there really isn’t a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

• How do I file an SR-22 for a DUI in Colorado?
• Can my babysitter drive my car?
• Can I rate high risk drivers on liability-only vehicles?
• What if I owe more than I can insure my car for?
• Am I covered if I wreck a rental car?
• Is my Jeep Wrangler covered if I use it for business?
• Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Three reasons car insurance is important

Despite the high insurance cost for a Jeep Wrangler in Denver, insurance is required for several reasons.

• Almost all states have minimum liability requirements which means state laws require a minimum amount of liability insurance if you don’t want to risk a ticket. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you took out a loan on your Wrangler, it’s most likely the lender will force you to have insurance to guarantee loan repayment. If you do not keep the policy in force, the bank will be required to insure your Jeep at a more expensive rate and force you to pay the higher price.
• Car insurance preserves both your Jeep and your personal assets. Insurance will pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses in the event you are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of carrying adequate insurance are definitely more than the cost, especially if you ever need it. But the average driver in Colorado is overpaying more than $869 every year so it’s recommended you shop around once a year at a minimum to ensure rates are competitive.

The coverage is in the details

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for things like EMT expenses, doctor visits and pain medications. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, falling objects and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

This coverage will cover damage or injury you incur to other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/15 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $15,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, structural damage, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as large an amount as possible. Colorado requires minimum liability limits of 25/50/15 but drivers should carry higher limits.

Collision insurance

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, crashing into a building, backing into a parked car, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Wrangler to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many Colorado drivers carry very low liability coverage limits (Colorado limits are 25/50/15), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Cheaper auto insurance is a realistic goal

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. Too many times, an insured dropped physical damage coverage only to discover later that it was a big mistake. Your strategy should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

The cheapest Jeep Wrangler insurance in Denver is attainable from both online companies in addition to many Denver insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide internet price quotes and these regional carriers sell through independent insurance agencies.

Insureds leave their current company for many reasons like delays in paying claims, high rates after DUI convictions, extreme rates for teen drivers or even lack of trust in their agent. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

More detailed auto insurance information is located by following these links:

• Alcohol Impaired Driving FAQ (iihs.org)
• Who Has Cheap Auto Insurance for a Company Car in Denver? (FAQ)
• Who Has Cheap Car Insurance for Inexperienced Drivers in Denver? (FAQ)
• Who Has the Cheapest Denver Auto Insurance Quotes for Teenage Males? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Immigrants in Denver? (FAQ)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Shopping for a Safe Car (Insurance Information Institute)
• Car Insurance FAQ (Trusted Choice)