Discount Jeep Wrangler insuranceDo you want an efficient way to compare the cheapest car insurance rates in Cheyenne, WY? Cheyenne shoppers have a choice when shopping for the lowest priced Jeep Wrangler insurance. They can either spend hours driving around to compare prices or use the internet to get rate quotes.

There are more efficient ways to buy car insurance and we'll show you the absolute fastest way to price shop coverage for a Jeep and find the lowest price from both online companies and Cheyenne agents.

Four Tips to Get More Affordable Cheyenne Insurance Costs

Many factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but others are not as apparent like your vehicle usage or your commute time. The best way to find cheaper insurance is to take a look at the rating factors that help calculate insurance rates. If you understand what impacts premium levels, this allows you to make educated decisions that may reward you with lower insurance prices.

The itemized list below are some of the most common factors used by your company to calculate your prices.

Compare free Cheyenne Jeep Wrangler insurance rate quotes

The following companies provide quotes in Cheyenne, WY. If multiple companies are shown, we recommend you click on several of them to get a more complete price comparison.

Jeep Wrangler Insurance Estimates in Cheyenne, WY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $192 $278 $434 $26 $130 $1,060 $88
Wrangler Unlimited Sport 2WD 4-Dr $128 $186 $506 $30 $152 $1,002 $84
Wrangler Sport Islander Package 4WD 2-Dr $210 $388 $344 $20 $102 $1,064 $89
Wrangler Unlimited Sport 4WD 4-Dr $250 $298 $604 $36 $182 $1,370 $114
Wrangler Sahara 4WD 2-Dr $176 $262 $344 $20 $102 $904 $75
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $226 $242 $448 $26 $134 $1,076 $90
Wrangler Unlimited Sahara 2WD 4-Dr $168 $218 $542 $32 $162 $1,122 $94
Wrangler Rubicon 4WD 2-Dr $148 $248 $404 $24 $122 $946 $79
Wrangler Unlimited Sahara 4WD 4-Dr $308 $472 $604 $36 $182 $1,602 $134
Wrangler Unlimited Rubicon 4WD 4-Dr $176 $222 $462 $28 $138 $1,026 $86
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific Cheyenne garaging location which can lower or raise coverage prices significantly.

Choosing deductibles

When shopping for car insurance, a common question is how low should you set your deductibles. The following tables approximate the rate fluctuation when you select higher and lower comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Jeep Wrangler insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $268 $358 $358 $22 $108 $1,139 $95
Wrangler Unlimited Sport 2WD 4-Dr $268 $358 $448 $26 $134 $1,259 $105
Wrangler Sport Islander Package 4WD 2-Dr $268 $458 $358 $22 $108 $1,239 $103
Wrangler Unlimited Sport 4WD 4-Dr $308 $358 $448 $26 $134 $1,299 $108
Wrangler Sahara 4WD 2-Dr $308 $458 $358 $22 $108 $1,279 $107
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $308 $358 $448 $26 $134 $1,299 $108
Wrangler Unlimited Sahara 2WD 4-Dr $308 $358 $448 $26 $134 $1,299 $108
Wrangler Rubicon 4WD 2-Dr $308 $458 $358 $22 $108 $1,279 $107
Wrangler Unlimited Sahara 4WD 4-Dr $308 $458 $448 $26 $134 $1,399 $117
Wrangler Unlimited Rubicon 4WD 4-Dr $348 $458 $448 $26 $134 $1,439 $120
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Jeep Wrangler insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Wrangler Sport 4WD 2-Dr $150 $188 $358 $22 $108 $826 $69
Wrangler Unlimited Sport 2WD 4-Dr $150 $188 $448 $26 $134 $946 $79
Wrangler Sport Islander Package 4WD 2-Dr $150 $242 $358 $22 $108 $880 $73
Wrangler Unlimited Sport 4WD 4-Dr $172 $188 $448 $26 $134 $968 $81
Wrangler Sahara 4WD 2-Dr $172 $242 $358 $22 $108 $902 $75
Wrangler Unlimited Sport Islander Package 4WD 4-Dr $172 $188 $448 $26 $134 $968 $81
Wrangler Unlimited Sahara 2WD 4-Dr $172 $188 $448 $26 $134 $968 $81
Wrangler Rubicon 4WD 2-Dr $172 $242 $358 $22 $108 $902 $75
Wrangler Unlimited Sahara 4WD 4-Dr $172 $242 $448 $26 $134 $1,022 $85
Wrangler Unlimited Rubicon 4WD 4-Dr $194 $242 $448 $26 $134 $1,044 $87
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Wyoming minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in your specific Cheyenne location which can change price quotes greatly.

Based on this data, using a $100 deductible costs approximately $29 more each month or $348 a year than selecting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 31 months between claims, you would probably come out ahead if you opt for a higher deductible. The table below illustrates a better example of how you can make your own decision.

Average monthly premium for $100 deductibles: $108
Average monthly premium for $1,000 deductibles (subtract): - $79
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

Difference between full coverage and liability only rates

The illustration below shows the difference between Jeep Wrangler insurance costs with full coverage and liability only. The rate quotes are based on no violations or claims, $250 deductibles, married female driver, and no discounts are factored in.

Deciding between full coverage and liability only

There is no clear-cut rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's assume your Jeep Wrangler replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are paying more than $500 annually for full coverage, then it might be time to buy liability only.

There are some conditions where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Do drivers who switch really save?

Consumers can't get away from ads that promise big savings for switching by Progressive, Allstate and GEICO. All the companies make an identical promise about how much you will save if you change to them.

How can each company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the type of driver that will most likely be profitable. For example, this type of risk profile should be married and over the age of 30, is a homeowner, and drives a vehicle with a low ISO rating. A customer that hits that "sweet spot" receive the lowest rate quotes in Cheyenne and have a good chance to save money with a new company.

People who are not a match for these standards may be forced to pay higher prices which usually ends up with the customer buying from someone else. Company advertisements say "people who switch" but not "everyone who gets a quote" save that kind of money. This is how insurance companies can state the savings.

Because every company is different, it's extremely important to get a wide range of price quotes. It is impossible to predict which company will fit your personal profile best.

Why you need vehicle insurance in Wyoming

Even though it's not necessarily cheap to insure a Jeep in Cheyenne, maintaining insurance serves an important purpose.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly for liability claims. The average driver in Wyoming is currently overpaying as much as $855 a year so you should quote rates at least once a year to ensure rates are inline.

Get cheaper Jeep Wrangler insurance rates in Cheyenne

Companies don't always list every possible discount in a way that's easy to find, so the following list contains some of the best known and also the lesser-known discounts that you can inquire about if you buy Cheyenne auto insurance online. If you check and find you aren't receiving every discount you deserve, you are just wasting money.Car insurance discounts

Just know that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you won't be that lucky.

The best car insurance companies and the discounts they provide can be found below.

Before you buy a policy, ask all the companies to give you their best rates. Depending on the company, some discounts may not be available in every state. To find insurance companies that offer many of these discounts in Wyoming, follow this link.

Quote more to save more

More affordable car insurance in Cheyenne is available from both online companies and with local Cheyenne insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not offer online quoting and usually these small, regional companies only sell through independent insurance agents.

We've covered many tips how you can find cheap Jeep Wrangler insurance in Cheyenne. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Drivers may even discover the most savings is with an unexpected company.

When shopping online for car insurance, it's a bad idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

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