Cheapest Insurance for a Jeep Grand Cherokee in Louisiana

The chances of buying cheap coverage for a Jeep Grand Cherokee in Louisiana depends upon factors such as the safety rating of your vehicle, if you have ever let your coverage lapse, and whether or not you are a good driver. Louisiana drivers will pay around $1,560 every 12 months to insure a Jeep Grand Cherokee, but that cost is an estimation based on cost data for a 50-year-old single female driver with comprehensive and collision coverage and $100 physical damage deductibles.

There is a good chance you are not a 50-year-old female, maybe you are married instead of single, and maybe your credit level is not the same as what was rated. Everyone has different rating factors, so the most reliable way to find affordable rates for your Jeep is to shop your policy around at every renewal.

Save Now on Grand Cherokee Insurance

Your Jeep’s trim level has an effect on the insurance rate, so the price you will pay to insure a Grand Cherokee Laredo 2WD trim level will cost $170 less than the insurance cost for the higher-priced Grand Cherokee SRT-8 4WD version, as shown below.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in vehicle location which can affect prices considerably.

Buying coverage from the top company is hard considering how many different companies there are to choose from in Louisiana. The rank data in the lists below may help you pick which insurers to look at when comparing insurance rates for a Jeep Grand Cherokee. These rankings are only made up of large insurance companies, so companies that only write business in Louisiana or surrounding areas are not included in this list.

Top 10 Large Auto Insurance Providers in Louisiana Ranked by Claims Service

1. Allstate
2. State Farm
3. American Family
4. GEICO
5. Liberty Mutual
6. Esurance
7. AAA Insurance
8. The Hartford
9. 21st Century
10. The General

Top 10 Large Auto Insurance Providers in Louisiana Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Progressive – 88%
5. Safeco Insurance – 88%
6. State Farm – 88%
7. Allstate – 88%
8. The Hartford – 87%
9. GEICO – 87%
10. 21st Century – 84%

Top Companies for Jeep Grand Cherokee Insurance in Louisiana

Careless drivers pay higher rates

The best way to find the most affordable auto insurance premiums for a Grand Cherokee is to be a safe driver and avoid tickets and accidents. The information below shows how speeding tickets and at-fault claims can raise premium costs for each different age category. The data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

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The data above shows the average cost of a car insurance policy per year with no accidents or violations is $2,681. Add in two speeding tickets and the average cost swells to $3,714, an increase of $1,032 each year. Then include two accidents along with the two speeding tickets and the annual cost of auto insurance for a Jeep Grand Cherokee jumps again to an average of $7,369. That’s an increase of $4,688, or $391 per month, just for being a little careless behind the wheel!

State Farm, Geico, Allstate, and Progressive compared

When it comes to insurance for a Grand Cherokee in Louisiana, the top insurers to get price quotes from are State Farm, Geico, Allstate, and Progressive. When added together, they make up about half of all vehicles in the U.S.. They all have the same basic coverages, but each one has different options that shoppers can select from. The data below compares and contrasts price, claims, and customer service ratings, as well as some optional coverages you can expect with each one.

Find the cheapest insurance for a Jeep Grand Cherokee in Louisiana

It is possible to find better rates, and here are some of the recommended thrifty solutions that can help you buy low-cost car insurance.

• Do not get traffic violations
• Do not pay for full coverage if not needed
• Safe vehicles cost less to insure
• Discounts for being claim-free can be substantial
• At-fault accidents will increase rates
• Buying home and auto insurance together can earn discounts
• Compare rates and switch if you can find a better deal

The last tip is highly significant, as we noted in this article. Prices charged by companies in Louisiana can change considerably in a year, so drivers shouldn’t be resistant to change to a new company if you can find a cheaper rate. Brand loyalty is great, but it’s not recommended if it’s costing you a considerable chunk of change every month. It only take a few minutes to shop around to find cheaper car insurance for a Jeep Grand Cherokee.

Best cheap Jeep Grand Cherokee insurance quotes

Drivers have a lot of different ways to find lower-cost auto insurance in Louisiana, but the most popular methods are from a captive (or exclusive) agent such as Allstate or Auto-Owners, an independent or non-exclusive agent, or buying direct from a company like Progressive or Geico. Each way is similar, but they are slightly different in how they function.

Independent agents have contracts with many companies and can quote your policy with every one. These types of agents can sell policies from many different companies and can give you more rates, which can give you more bang for your buck. If they find a lower price, it’s easy for the agent to move the policy which makes it simple for you.

An exclusive agent is able to place business with a single insurance company, two of the more popular are an Auto-Owners or State Farm agent. These agents are not able to provide other companys’ prices, so they are skilled at selling on more than just price.

When you buy auto insurance direct, you forego an independent or exclusive agent and buy direct either online or via phone. Shopping for auto insurance direct may be the best choice people who do not have a need for a risk management assessment and have an above average understanding of what is covered and what is not.

So what is the best way to buy the cheapest insurance for a Jeep Grand Cherokee in Louisiana? The majority of auto insurance shoppers assume that buying from a direct car insurance company saves the most money because you bypass the agent, but unfortunately, it’s not that simple. An argument could also be made that buying auto insurance from an independent agent can save the most money due to having more companies to select from, but that is not necessarily true either. In a lot of cases, exclusive agents may have prices that cannot be beaten by either independent or direct companies.

Since auto insurance prices are based on many different factors, really the only way to get rock-bottom rates is to get rate quotes and compare. Money-saving experts recommend you get price quotes all three ways in order to find the best price. For a list of companies offering online discounts in Louisiana, click here to view.