It’s amazing but over 70% of drivers kept their coverage with the same car insurance company for more than four years, and just short of a majority have never quoted rates to find affordable coverage. Drivers in Tennessee could save 35% a year, but they don’t invest the time required to go online and compare rates.
If you want to save money, the best way to get more affordable Jeep Wrangler insurance is to make a habit of regularly comparing prices from companies who provide auto insurance in Nashville.
- Spend some time learning about how auto insurance works and the modifications you can make to keep rates low. Many rating criteria that are responsible for high rates like accidents, careless driving, and an imperfect credit rating can be controlled by making small lifestyle or driving habit changes. Read the full article for more details to help reduce prices and get bigger discounts.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple sources.
- Compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current agent or company of your intent to cancel the current policy. Submit the completed application along with a down payment to your new insurance company. Once the paperwork is finalized, keep the new proof of insurance certificate in your vehicle.
A tip to remember is to use the same amount of coverage on each quote request and and to get rates from as many companies as you can. This enables a fair rate comparison and and a good selection of different prices.
To find cheap quotes, there are a couple of ways to compare rate quotes from companies that offer insurance in Tennessee. The recommended way to compare Jeep Wrangler insurance prices consists of shopping online.
It’s so fast and easy to compare rates online that it makes it obsolete to actually drive to all the different Nashville insurance agencies. Quoting Jeep Wrangler insurance online has made agencies unnecessary unless your situation requires the advice and guidance that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to compare the best prices online but have a local agent actually write the policy. When price shopping your coverage, getting more free quotes will improve the odds of getting lower pricing. Some regional insurers cannot provide price estimates online, so you also need to get prices from those companies as well.
The following companies have been selected to offer price quotes in Nashville, TN. To locate the best cheap auto insurance in Nashville, TN, we recommend you get prices from several of them in order to get a fair rate comparison.
Rates and data analysis
The data table shown below showcases different insurance policy prices for Jeep Wrangler models. Being more informed about how insurance quotes are established can be of help when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $168 | $238 | $304 | $18 | $90 | $818 | $68 |
| Wrangler Unlimited Sport 2WD 4-Dr | $168 | $238 | $380 | $22 | $114 | $922 | $77 |
| Wrangler Sport Islander Package 4WD 2-Dr | $168 | $302 | $304 | $18 | $90 | $882 | $74 |
| Wrangler Unlimited Sport 4WD 4-Dr | $192 | $238 | $380 | $22 | $114 | $946 | $79 |
| Wrangler Sahara 4WD 2-Dr | $192 | $302 | $304 | $18 | $90 | $906 | $76 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $192 | $238 | $380 | $22 | $114 | $946 | $79 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $192 | $238 | $380 | $22 | $114 | $946 | $79 |
| Wrangler Rubicon 4WD 2-Dr | $192 | $302 | $304 | $18 | $90 | $906 | $76 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $192 | $302 | $380 | $22 | $114 | $1,010 | $84 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $216 | $302 | $380 | $22 | $114 | $1,034 | $86 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific Nashville garaging location which can influence premium rates significantly.
Choosing deductibles
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The figures shown below may help to conceptualize the price difference between low and high comp and collision deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $194 | $242 | $288 | $18 | $86 | $853 | $71 |
| Wrangler Unlimited Sport 2WD 4-Dr | $194 | $242 | $360 | $22 | $108 | $951 | $79 |
| Wrangler Sport Islander Package 4WD 2-Dr | $194 | $310 | $288 | $18 | $86 | $921 | $77 |
| Wrangler Unlimited Sport 4WD 4-Dr | $224 | $242 | $360 | $22 | $108 | $981 | $82 |
| Wrangler Sahara 4WD 2-Dr | $224 | $310 | $288 | $18 | $86 | $951 | $79 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $224 | $242 | $360 | $22 | $108 | $981 | $82 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $224 | $242 | $360 | $22 | $108 | $981 | $82 |
| Wrangler Rubicon 4WD 2-Dr | $224 | $310 | $288 | $18 | $86 | $951 | $79 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $224 | $310 | $360 | $22 | $108 | $1,049 | $87 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $252 | $310 | $360 | $22 | $108 | $1,077 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $158 | $196 | $288 | $18 | $86 | $746 | $62 |
| Wrangler Unlimited Sport 2WD 4-Dr | $158 | $196 | $360 | $22 | $108 | $844 | $70 |
| Wrangler Sport Islander Package 4WD 2-Dr | $158 | $250 | $288 | $18 | $86 | $800 | $67 |
| Wrangler Unlimited Sport 4WD 4-Dr | $182 | $196 | $360 | $22 | $108 | $868 | $72 |
| Wrangler Sahara 4WD 2-Dr | $182 | $250 | $288 | $18 | $86 | $824 | $69 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $182 | $196 | $360 | $22 | $108 | $868 | $72 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $182 | $196 | $360 | $22 | $108 | $868 | $72 |
| Wrangler Rubicon 4WD 2-Dr | $182 | $250 | $288 | $18 | $86 | $824 | $69 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $182 | $250 | $360 | $22 | $108 | $922 | $77 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $204 | $250 | $360 | $22 | $108 | $944 | $79 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in Nashville location which can modify insurance rates substantially.
We can estimate from the data above that using a $250 deductible costs an average of $10 more each month or $120 every year across all Jeep Wrangler models than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 25 months between claim filings, you would probably come out ahead if you choose the higher deductible. Below is an example of how this decision is made.
| Average monthly premium for $250 deductibles: | $81 |
| Average monthly premium for $500 deductibles (subtract): | – $71 |
| Monthly savings from raising deductible: | $10 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $10 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
An important sidenote is that raising deductibles means you will have to pay more of your own money when you file a claim. That will require some non-essential savings in the event you have to pay the deductible to have repairs made.
Impact of citations and accidents on Nashville insurance rates
The illustration below highlights how speeding tickets and fender-benders can impact Jeep Wrangler insurance rates for each age group. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Insurance premiums for males and females
The illustration below illustrates the difference between Jeep Wrangler insurance prices for male and female drivers. The data assumes no violations or accidents, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
Comparison of full coverage and liability-only policies
The information below shows the difference between Jeep Wrangler insurance costs with full coverage compared to only the Tennessee minimum liability coverage. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are factored in.
Should you be buying full coverage?
There is no clear-cut formula for excluding comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Jeep Wrangler claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying the physical damage deductible. If you are paying in excess of $200 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some scenarios where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not consider dropping full coverage.
Buying the right Jeep Wrangler insurance in Tennessee is an important decision
Despite the fact that auto insurance is not cheap in Nashville, paying for auto insurance may be mandatory for several reasons.
- The majority of states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage if you drive a vehicle. In Tennessee 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 have a lien on your Wrangler, more than likely the lender will require you to have full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Jeep at an extremely high rate and force you to reimburse them for the much more expensive policy.
- Auto insurance preserves both your assets and your vehicle. It will also provide coverage for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance are definitely more than the cost, particularly for liability claims. According to a 2015 survey, the average American driver overpays as much as $700 annually so it’s very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.
Reduce Insurance Rates with These Tips
An important part of buying insurance is that you know the factors that play a part in calculating your car insurance rates. If you have some idea of what impacts premium levels, this helps enable you to make changes that will entitle you to big savings.
The list below includes some of the most rate-impacting factors used by companies to determine your prices.
Lower rates with GPS tracking and theft deterrents – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft and help bring rates down.
Discounts for married couples – Your spouse actually saves money on your policy. Marriage generally demonstrates drivers are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
Lower rates come with age – Older insureds tend to be more responsible, statistically cause fewer accidents, and are generally more financially stable. Drivers with little experience are known to be inattentive behind the wheel and because of this, their car insurance rates are much higher.
The following chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
Long commutes cost more – The more miles you rack up on your Jeep in a year’s time the more you will pay for car insurance. Many insurance companies apply a rate based on how the vehicle is used. Autos that are left in the garage receive better premium rates than those used for commuting. Incorrect rating for your Wrangler may be costing you higher rates. It’s always a good idea to double check that your declarations sheet properly reflects the correct usage, because it can save money.
Jeep Wrangler claim data – Companies take into consideration historical loss data for every vehicle to help determine the price you pay. Vehicles that are shown to have a higher amount or frequency of claims will have higher rates for specific coverages. The table below illustrates the compiled insurance loss statistics for Jeep Wrangler vehicles.
For each policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Percentages below 100 imply a favorable loss record, while percentage numbers above 100 indicate more frequent losses or a tendency for losses to be larger than average.
| Vehicle 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 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
These discounts can reduce Jeep Wrangler insurance rates
Some insurers don’t necessarily list all their discounts very clearly, so the below list has a few of the more common as well as some of the hidden credits that may apply to you.
- Federal Government Employee – Federal government employees could provide a small rate reduction depending on your car insurance provider.
- New Vehicle Savings – Adding a new car to your policy can save up to 30% since new model year vehicles have better safety ratings.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents so you can save 10 percent or more.
- Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you can avoid the installment charge.
- Home Ownership Discount – Being a homeowner may earn you a small savings because owning a home requires a higher level of personal finance.
- Drive Safe and Save – Drivers who avoid accidents may save up to 50% more than drivers with accident claims.
- Professional Memberships – Belonging to a civic or occupational organization in Nashville could trigger savings on car insurance.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.
- College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from Nashville without a vehicle on campus can receive lower rates.
Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way.
The illustration below illustrates the difference between Jeep Wrangler insurance prices with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or driving citations, Tennessee state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, multi-car, marriage, and claim-free discounts applied.
If you would like to view car insurance companies that can offer you the previously mentioned discounts in Nashville, click this link.
Buying from car insurance agents
A small number of people would prefer to get advice from a local agent and that is a personal choice. The best thing about comparing insurance prices online is that drivers can save money and get cheap rate quotes and also buy local. Buying from and supporting local agencies is especially important in Nashville.
For easy comparison, once you complete this quick form, your coverage information is transmitted to participating agents in Nashville who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to drive around due to the fact that quote results will go to your email. You can find better rates and work with a local agent. If for some reason you want to get a rate quote from a specific company, you just need to go to their quote page and submit a quote form there.
The difference between Nashville car insurance agents
If you prefer to buy auto insurance from a reputable insurance agent or broker, you must know there are a couple types of insurance agents and how they differ in how they quote coverages. Agents in Nashville are either independent agents or exclusive agents.
Independent Agencies or Brokers
Agents that elect to be independent often have many company appointments and that enables them to quote your coverage with an assortment of companies and help determine which has the cheapest rates. If they find a cheaper price, the business is moved internally and that require little work on your part. If you are comparing auto insurance prices, you definitely need to include price quotes from several independent insurance agents to get the best comparison.
Below are Nashville independent agencies that may be able to provide comparison quotes.
Hale Insurance, LLC
301 29th Ave N – Nashville, TN 37203 – (615) 321-4150 – View Map
Zander Insurance Group
6213 Charlotte Pike – Nashville, TN 37209 – (615) 356-1700 – View Map
Affordable Insurance Agency
3225 Gallatin Pike – Nashville, TN 37216 – (615) 645-1900 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only write with one company and examples are Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so keep that in mind. These agents receive a lot of sales training on the products they sell which can be an advantage.
Below are exclusive insurance agencies in Nashville that are able to give price quote information.
Jeff Summers – State Farm Insurance Agent
336 21st Ave N – Nashville, TN 37203 – (615) 320-3016 – View Map
Charles Sargent – State Farm Insurance Agent
4094 Hillsboro Pike #202 – Nashville, TN 37215 – (615) 385-1700 – View Map
Holly Williams – State Farm Insurance Agent
8010 TN-100 – Nashville, TN 37221 – (615) 662-1551 – View Map
Picking the best auto insurance agent shouldn’t rely on just the price. The answers to these questions are important, too.
- Can you contact them at any time?
- How much will you save each year by using a higher deductible?
- In the event of vehicle damage, can you pick the collision repair facility?
- How often do they review policy coverages?
- Will you work with the agent or an assistant?
- How experienced are they in personal risk management?
Upon receiving reasonable responses to your questions and locked in a price quote, it’s possible that you found an insurance agency that meets the requirements to insure your vehicles. Just remember it’s your coverage and you can cancel your coverage for any reason so don’t think that you are permanently stuck with any specific company for a certain time period.
Quote more and you will save more
You just read a lot of tips how to get a better price on Jeep Wrangler insurance in Nashville. The most important thing to understand is the more companies you get prices for, the better likelihood of getting affordable Jeep Wrangler insurance quotes. You may even find the most savings is with an unexpected company. Some small companies can often provide lower prices in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.
Some insurance companies do not offer the ability to get a quote online and usually these regional insurance providers work with independent agents. Low-cost Jeep Wrangler insurance in Nashville is attainable both online in addition to local insurance agencies, so compare prices from both to get a complete price analysis.
More information is available on the following sites:
- Choosing an Insurance Company (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for High School Students in Nashville? (FAQ)
- Who Has Cheap Nashville Car Insurance Rates for Lyft Drivers? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)