Do you want to learn how to find lower-priced car insurance rates in Pittsburgh, PA? Pittsburgh consumers have a choice when looking for low-cost Jeep Wrangler insurance. You can either waste hours struggling with agents trying to get quotes or use the internet to compare rates. There are more efficient ways to find car insurance online so you’re going to learn the best way to get price quotes on a Jeep and find the cheapest rates from both online companies and Pittsburgh agents.
It’s a fact that insurance companies don’t want you to look at other companies. People who compare other rates will presumably buy a new policy because they have a good chance of finding coverage at a more affordable price. A recent survey discovered that drivers who compared rates once a year saved as much as $3,500 over four years compared to people who never shopped around.
If saving the most money on auto insurance in Pittsburgh is your objective, then learning a little about how to get free comparison quotes and analyze car insurance can save time, money, and frustration.
You may qualify for discounts for Jeep Wrangler insurance in Pittsburgh
Auto insurance is not an enjoyable expense, but you may find discounts that can drop the cost substantially. Certain reductions will be credited at quote time, but lesser-known reductions have to be manually applied before being credited.
- Organization Discounts – Being in specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.
- Buy New and Save – Insuring a new Wrangler can be considerably cheaper since new model year vehicles are generally safer.
- Resident Student – College-age children living away from Pittsburgh attending college and don’t have a car may be insured at a cheaper rate.
- Pittsburgh Homeowners Discount – Just owning your own home can help you save on auto insurance because of the fact that having a home requires personal responsibility.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
- Sign Online – Certain companies will give a small break simply for signing on the web.
- Drive Less and Save – Low mileage vehicles can qualify you for slightly better rates than normal.
- Pay Early and Save – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
One last thing about discounts, most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears you could get a free auto insurance policy, you aren’t that lucky.
The example below illustrates the difference between Jeep Wrangler insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, marriage, homeowner, and claim-free discounts applied.
A few popular companies and some of the discounts are shown below.
- Esurance includes discounts for renters, emergency road assistance, anti-lock brakes, defensive driver, multi-car, online shopper, and homeowner.
- The Hartford offers premium reductions for bundle, anti-theft, vehicle fuel type, defensive driver, driver training, and good student.
- AAA has discounts for good driver, pay-in-full, multi-policy, education and occupation, AAA membership discount, and anti-theft.
- GEICO has savings for five-year accident-free, multi-policy, air bags, federal employee, and anti-lock brakes.
- State Farm offers discounts for multiple policy, multiple autos, Steer Clear safe driver discount, anti-theft, good student, and defensive driving training.
If you are trying to find affordable Jeep Wrangler insurance quotes, ask each company to apply every possible discount. All car insurance discounts may not be available in Pittsburgh. For a list of providers who offer online Jeep Wrangler insurance quotes in Pennsylvania, click here.
Reducing your insurance rates is a great way to save money. The only thing you need to do is invest a little time comparing rates from some recommended companies.
The companies shown below have been selected to offer price comparisons in Pennsylvania. To get cheap car insurance in Pittsburgh, PA, we recommend you visit several of them to get a more complete price comparison.
Jeep Wrangler coverage analysis
The table below highlights different insurance rates for Jeep Wrangler models. Learning as much as possible about how car insurance prices are formulated can be useful when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $190 | $284 | $372 | $22 | $112 | $980 | $82 |
| Wrangler Unlimited Sport 2WD 4-Dr | $190 | $284 | $466 | $28 | $140 | $1,108 | $92 |
| Wrangler Sport Islander Package 4WD 2-Dr | $190 | $362 | $372 | $22 | $112 | $1,058 | $88 |
| Wrangler Unlimited Sport 4WD 4-Dr | $218 | $284 | $466 | $28 | $140 | $1,136 | $95 |
| Wrangler Sahara 4WD 2-Dr | $218 | $362 | $372 | $22 | $112 | $1,086 | $91 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $218 | $284 | $466 | $28 | $140 | $1,136 | $95 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $218 | $284 | $466 | $28 | $140 | $1,136 | $95 |
| Wrangler Rubicon 4WD 2-Dr | $218 | $362 | $372 | $22 | $112 | $1,086 | $91 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $218 | $362 | $466 | $28 | $140 | $1,214 | $101 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $246 | $362 | $466 | $28 | $140 | $1,242 | $104 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in specific location information which can raise or lower price quotes significantly.
Rate comparison for different deductibles
One common question asked by Pittsburgh drivers is which comprehensive and collision deductibles to buy. The premium rates below summarize the differences in price between low and high insurance deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $222 | $276 | $330 | $20 | $98 | $971 | $81 |
| Wrangler Unlimited Sport 2WD 4-Dr | $222 | $276 | $412 | $24 | $124 | $1,083 | $90 |
| Wrangler Sport Islander Package 4WD 2-Dr | $222 | $352 | $330 | $20 | $98 | $1,047 | $87 |
| Wrangler Unlimited Sport 4WD 4-Dr | $254 | $276 | $412 | $24 | $124 | $1,115 | $93 |
| Wrangler Sahara 4WD 2-Dr | $254 | $352 | $330 | $20 | $98 | $1,079 | $90 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $254 | $276 | $412 | $24 | $124 | $1,115 | $93 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $254 | $276 | $412 | $24 | $124 | $1,115 | $93 |
| Wrangler Rubicon 4WD 2-Dr | $254 | $352 | $330 | $20 | $98 | $1,079 | $90 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $254 | $352 | $412 | $24 | $124 | $1,191 | $99 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $288 | $352 | $412 | $24 | $124 | $1,225 | $102 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Wrangler Sport 4WD 2-Dr | $180 | $222 | $330 | $20 | $98 | $850 | $71 |
| Wrangler Unlimited Sport 2WD 4-Dr | $180 | $222 | $412 | $24 | $124 | $962 | $80 |
| Wrangler Sport Islander Package 4WD 2-Dr | $180 | $284 | $330 | $20 | $98 | $912 | $76 |
| Wrangler Unlimited Sport 4WD 4-Dr | $206 | $222 | $412 | $24 | $124 | $988 | $82 |
| Wrangler Sahara 4WD 2-Dr | $206 | $284 | $330 | $20 | $98 | $938 | $78 |
| Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $206 | $222 | $412 | $24 | $124 | $988 | $82 |
| Wrangler Unlimited Sahara 2WD 4-Dr | $206 | $222 | $412 | $24 | $124 | $988 | $82 |
| Wrangler Rubicon 4WD 2-Dr | $206 | $284 | $330 | $20 | $98 | $938 | $78 |
| Wrangler Unlimited Sahara 4WD 4-Dr | $206 | $284 | $412 | $24 | $124 | $1,050 | $88 |
| Wrangler Unlimited Rubicon 4WD 4-Dr | $234 | $284 | $412 | $24 | $124 | $1,078 | $90 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in your specific Pittsburgh location which can affect premium rates noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $11 more each month or $132 annually than opting for the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have more than 23 months between claims, you would most likely save money if you decide on a higher deductible. The illustration below shows how you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $92 |
| Average monthly premium for $500 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
An important sidenote is that higher deductibles means you will have to pay more of your own money when you file a claim. That will require some savings in order to pay the higher deductible in order to repair your vehicle.
Impact of careless driving on Pittsburgh insurance rates
The chart below demonstrates how speeding tickets and accidents increase Jeep Wrangler insurance costs for each age group. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Insurance cost for men versus women
The illustration below illustrates the comparison of Jeep Wrangler annual premium costs for male and female drivers. The premiums assume no claims or violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are factored in.
Compare prices but buy from a local Pittsburgh insurance agent
Many people prefer to have an agent’s advice and that is OK! Licensed agents can help you build your policy and will help you if you have claims. An additional benefit of getting free rate quotes online is the fact that you can find cheap auto insurance rates and still have an agent to talk to.
To make it easy to find an agent, after completing this simple form, the quote information is instantly submitted to insurance agents in Pittsburgh who will return price quotes to get your business. It’s much easier because you don’t need to find an agent since rate quotes are delivered to you instantly. If you need to compare rates from a specific insurance company, just jump over to their website and fill out their quote form.
Picking an insurer needs to be determined by more than just the bottom line cost. These questions are important to ask:
- What is their Better Business Bureau rating?
- What are their preferred companies if they are an independent agency?
- Has the agent ever had any license suspensions?
- Does their agency support local causes in Pittsburgh?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they have cheaper tiers of coverage?
If you would like to find a local agent, you should know the different agency structures and how they are distinctly different. Auto insurance agents are either exclusive or independent agents depending on their company appointments. Either one can provide auto insurance policies, but it’s good to learn how they are different since it could factor into your agent selection.
Exclusive Agents
Agents that elect to be exclusive can only write with one company like American Family, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so you might not find the best rates. Exclusive insurance agents are usually well trained on sales techniques which helps overcome the inability to quote other rates. Consumers frequently purchase coverage from exclusives mostly because of the prominence of the brand rather than low price.
Below is a short list of exclusive insurance agents in Pittsburgh who may provide you with price quotes.
- Corey Griffith – State Farm Insurance Agent
1143 S Braddock Ave – Pittsburgh, PA 15218 – (412) 241-1178 – View Map - Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map - Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 – View Map
Independent Agents
These agents are not employed by any specific company so they can insure your vehicles through lots of different companies and find the cheapest auto insurance rates. If they find a cheaper price, your agent can just switch to a different company and you don’t have to find a new agent. When shopping rates, you will definitely want to compare prices from several independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to mutual insurance companies that many times have cheaper rates.
Below are Pittsburgh independent agents that are able to give price quote information.
- Brown Insurance Agency
5001 Baum Blvd #515 – Pittsburgh, PA 15213 – (412) 681-7114 – View Map - Insurance Consultants Of Pittsburgh
300 Mt Lebanon Blvd – Pittsburgh, PA 15234 – (412) 344-2800 – View Map - Spodek Insurance Agency, Inc.
4349 Murray Ave – Pittsburgh, PA 15217 – (412) 521-8600 – View Map
Shop smart and save
Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, poor customer service, policy cancellation and even an unsatisfactory settlement offer. Whatever your reason, choosing a new company can be easier than you think.
We just showed you many tips how you can save on Jeep Wrangler insurance in Pittsburgh. The key concept to understand is the more quotes you get, the better likelihood of getting affordable Pittsburgh car insurance quotes. You may even be surprised to find that the lowest prices come from an unexpected company.
Affordable Jeep Wrangler insurance in Pittsburgh is available on the web and with local Pittsburgh insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers work with independent agents.
How to find better rates for Jeep Wrangler insurance in Pittsburgh
It takes a little time, but the best way to get low-cost Jeep Wrangler insurance in Pittsburgh is to start doing a yearly price comparison from providers in Pennsylvania. This can be done by following these steps.
- First, take a few minutes and learn about the different coverages in a policy and the modifications you can make to prevent expensive coverage. Many risk factors that cause high rates like traffic violations and an unacceptable credit score can be eliminated by paying attention to minor details.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can provide rate quotes from many different companies.
- Third, compare the new rate quotes to the price on your current policy and determine if cheaper Wrangler coverage is available. If you find better rates and buy the policy, make sure coverage does not lapse between policies.
- Fourth, tell your current agent or company of your decision to cancel your current coverage. Submit the signed application along with the required initial payment to your new agent or company. As soon as you have the new policy, place your new certificate verifying coverage somewhere easily accessible.
One key aspect when comparing rates is to try to compare identical limits and deductibles on each price quote and and to get rates from as many companies as possible. Doing this guarantees a fair price comparison and the best price quote selection.
To learn more, feel free to visit the resources below:
- Avoiding Deer Collisions (Insurance Information Institute)
- Who Has the Cheapest Pittsburgh Auto Insurance for Welfare Recipients? (FAQ)
- What Auto Insurance is Cheapest for Low Income Drivers in Pittsburgh? (FAQ)
- Determining Auto Insurance Rates (GEICO)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)