Cheap Insurance for a Jeep Grand Cherokee in Texas

Whether or not you can find cheap auto insurance for a Jeep Grand Cherokee in Texas hinges on a large number of factors such as how long your commute is, if you currently have coverage, and citations or violations on your driving record. Texas drivers pay around $770 each year to buy Jeep Grand Cherokee insurance, but that amount is an approximation using cost data for a 50-year-old married female driver with full physical damage coverage and $1,000 deductibles.

It’s more than likely that you are not exactly 50 years old and possibly not even female, single instead of married, or maybe your Texas zip code is rated higher than the example. What appears to be a small change in policy rating variables can cause significant differences in policy price.

Everyone has different rating factors, so your best chance at finding affordable rates for your Jeep is to compare as many rates as possible.

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Your Jeep’s trim level will most likely have an effect on the insurance rate, so the price to insure a Grand Cherokee Laredo 2WD will be $64 less than the insurance cost for the high end Grand Cherokee SRT-8 4WD version, as shown in the chart below.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in vehicle location which can lower or raise coverage rates considerably.

Comparing rates for low-cost car insurance is hard enough, and deciding which company quotes the best insurance rates for a Jeep Grand Cherokee requires even more work.

Every auto insurer uses their own calculation to set their prices, so let’s rank the insurance companies that tend to be cheaper in Texas. It’s important that you understand Texas insurance rates are based on many factors that will increase or decrease the cost of coverage. Turning one year older, having a teen driver, or getting a DUI may generate price changes that can cause some rates to be more affordable than the competition.

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Travelers generally has some of the most affordable car insurance rates in Texas at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the lowest-priced Texas auto insurance companies.

As shown in the rates above, if you currently buy coverage from USAA and switched to Travelers, you might see an annual premium reduction of roughly $118. Drivers with Texas Farm Bureau could save as much as $189 a year, and Germania Mutual insureds might lower prices by $284 a year.

Remember that these policy prices are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a specific rating modification for a Jeep Grand Cherokee. So the company that is most affordable for your situation may not even be shown in the above list. That is why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Discounts on cheap insurance for a Jeep Grand Cherokee in Texas

Insurers that offer coverage for a Jeep Grand Cherokee could also offer premium discounts that can reduce rates by as much as 30% if you qualify for them. A few of the larger companies and some of the premium reductions they offer include:

• State Farm includes discounts for defensive driving training, safe vehicle, Steer Clear safe driver discount, passive restraint, and student away at school.
• GEICO has savings for defensive driver, air bags, emergency military deployment, five-year accident-free, military active duty, federal employee, and anti-theft.
• Liberty Mutual offers premium reductions for new graduate, teen driver discount, hybrid vehicle, new move discount, newly married, and good student.
• The Hartford offers discounts for defensive driver, driver training, vehicle fuel type, good student, air bag, and bundle.
• MetLife may offer discounts for multi-policy, good driver, defensive driver, accident-free, claim-free, good student
• Progressive offers discounts including continuous coverage, online quote discount, online signing, homeowner, and multi-policy.

The illustration below visualizes the comparison of car insurance rates with and without discounts. The premium estimates are based on a male driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, multiple policy, defensive driving course, passive restraint, marriage, and claim-free discounts applied. In this example, the average amount saved each year on insurance for a Jeep Grand Cherokee is 28% or $786.

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How to get cheap insurance for a Jeep Grand Cherokee in Texas

The list below shows some thrifty solutions that can help Texas drivers get low-cost coverage.

• Drivers with good credit ratings often pay less
• Higher physical damage deductibles lower rates
• Accident-free drivers may qualify for discounts
• Buy a vehicle with excellent safety ratings
• If your vehicles are older, consider dropping full coverage
• Do not get traffic citations
• Keep rates low by comparing prices once a year

The last tip is extremely critical, as was affirmed in the prior information. Rates change constantly, so you should be ready to switch to a new company if a cheaper rate is available.

Having brand loyalty is commendable, but we do not recommend it if that devotedness results in you overpaying a considerable chunk of change every month. Spend a few minutes and shop around to find cheaper insurance for a Jeep Grand Cherokee.