Last year I paid $153 for my Chrysler 300M. This year they want $323. That's not near triple so it makes no sense to me. Sounds somewhat arbitrary, don't you think?
It does, sort of. I’d bet they’re charging by symbol somehow.
Insurance companies used to do that for physical auto coverages. They began running into problems with SUVs due to the gazillion trim-levels that are within the same vehicle model.
Take the Ford Explorer for instance. You could have the low-end two wheel-drive Explorer or you could have the top-end Eddie Bauer 4WD V8 Explorer. At one time they’d both be assigned the same symbol because they were both Explorers. The low-end owners essentially paid the same comp/collision rates as people with vehicles that literally cost 2+ times more.
They (insurance companies) ended up going to a split symbol/trim-level system to correct it in about 1999.
I don’t know that it is the case with a Jeep Wrangler… it’s the only thing I can think of off-hand that makes any sense.