The Jeep Wrangler Is One of the Cheapest Used SUVs to Insure

One of the benefits of targeting a used SUV for sale is that you are likely going to be paying less for your auto insurance. When shopping for a used vehicle, you are already saving big on depreciation, as new vehicles depreciate much faster than used vehicles. But most people do not consider the potential for savings with auto insurance. Depending on which make and model you end up buying, you can save a good deal of money on your premium if you know which ones are favored by insurance companies. So let’s take a look at how insurance companies determine your rate, and then see which used SUVs routinely rank as the cheapest to insure.

How Insurance Companies Determine Your Rate

Insurance companies use a number of factors to determine the price of your policy. One of the most important factors is the model of the vehicle. You might be surprised to hear this, but different kinds of models are associated with different types of drivers. So if you buy a family-oriented model, which generally indicates that the drivers of these models are driving safe with their kids on board, then you will most likely get a break on your policy. This is why the Jeep Renegade and Jeep Cherokee are often seen as having lower insurance rates; they are SUVs that are great for families. The Dodge Durango would be another excellent example of this.

Another example of a used SUV seen by insurance companies as low risk is the Jeep Wrangler. Insurance companies view the Wrangler as low risk for a different reason. While it is great for families, insurance companies are attracted to Wranglers because they are seen as rugged SUVs. Insurers factor in the cost of replacement parts, and they know how Wranglers can be easier to fix than other vehicles, with many interchangeable parts. So here insurers are factoring in the cost of maintenance, as well as the brand’s reputation for dependability.

Model Year, Model Year, Model Year

Something else significant to consider when looking for a used SUV for sale is the model year. The model year can have a substantial effect on the cost of your premium. Generally, the newer the model, the more it will cost. More modern cars can be expensive to replace and fix, so naturally, they cost more to insure. One thing that can offset this added expense is an abundance of safety features. Insurance companies will factor this in as well, especially if the vehicle has the advanced safety features that they value.

Safe, But Not Luxury

If an SUV is loaded with safety features, it will also cost less to insure. You will want to look for used SUVs that feature the latest safety tech. These SUVs are awarded lower premiums because of the driver assists and safety tech that help you avoid costly accidents—the more safety features onboard, the better chance for a reduced rate. Additionally, if the auto manufacturer is known to integrate helpful safety features, insurance company’s factor this in as well.

And while SUVs loaded with safety features are a good bet for a cheap premium, luxury vehicles are on the other end of the spectrum. If you want an affordable insurance rate for your vehicle, then you should avoid luxury vehicles and sports cars. Sports cars are known for their speed, and insurance companies do not like speed. Luxury vehicles are also known to have specialty parts, which can be expensive to replace.

Sure Bets Cost Less

The main thing to take away from all of this is that insurance companies like vehicles that are sure bets. The kinds of vehicles that insurers are more likely to offer lower premiums for are generally going to be family-oriented models that focus on safety and are known for their dependability, and have easily replaceable parts. So with that in mind, let’s take a quick look at some of the cheapest used SUVs to insure in California. Now that you know what you’re looking for, you won’t be surprised when you get your first insurance quote because you already know what to look for in a used SUV to maximize its value.

Jeep Wrangler: Easily Insured

If insurance companies are giving discounts for family-oriented vehicles, then they must acknowledge the temperament of Jeep owners as well. That would only make sense. People who own Wranglers are known to be friendly, more relaxed, and accommodating drivers. They even wave at each other. More importantly, though, is that they tend to drive slower. Jeep drivers tend to be more patient than other drivers. You don’t buy a Wrangler to go really fast. You buy a Wrangler because it can get you through just about any condition, whether on the road or off, and because it is reliable and easier to work on than most other SUVs. Jeep Wrangler owners are also generally more knowledgeable about their vehicles, which brings down the overall cost of maintenance.

These are all things that insurance companies factor in when writing your policy. Brand reputation is a big part of what determines your insurance premium. If you buy a brand that is not known for safety or is more luxury-oriented, then your premium will reflect that. This is why Jeeps do so well in the used car market. They are known to be more minimalist in design, which makes them cheaper to insure. Parts are more basic and readily available, leading to lower repair costs.

As if the Jeep Wrangler wasn’t packed with enough value, now you can add this to the list. It is not just one of the cheapest SUVs to insure; it’s one of the cheapest vehicles of any kind to insure. It might be known more for its standard four-wheel-drive and open-air experience, but having a low insurance premium is pretty nice too.

Jeep Renegade: Safety in Action

Another Jeep model that is among the cheapest used SUVs to insure is the Renegade. The Renegade is known for its strong safety features, such as multistage airbags, electronic stability control, and electronic roll mitigation. These safety features help to lower insurance premiums. The Jeep Renegade is also known for having lower repair costs and is a rugged SUV with a reputation for dependability.

Stop by Orange Coast Today and Start Saving!

If you are looking for a used SUV, there is no better place to start your search than at Orange Coast with over 1,000 vehicles to choose from; you are sure to find the perfect SUV for you and your family. We’re so confident you’ll find what you are looking for that we guarantee it. That’s right—if we can’t find it within 72 hours, we’ll make your first payment on any other Orange Coast vehicle. We know how difficult it can be to find the perfect SUV, which is why we go above and beyond to make sure you have access to our full inventory.

And if that’s not enough of a guarantee, we have another one for you: we’ll get you in and out in under 90 minutes. We know how valuable your time is, so we promise that you will be driving off the lot in your new SUV in under 90 minutes. So stop by today and chat with us—we look forward to seeing you!