Who Has Cheap Insurance Quotes for a Jeep Grand Cherokee in Michigan?

Our editors keep telling us that when writing about auto insurance, the word cheap really shouldn’t be used as a descriptor for car insurance rates. Nonetheless, cheap car insurance for a Jeep Grand Cherokee is not easy to find. Don’t let that bother you, though, because there may be ways you can find coverage that you can fit into your budget.

The chances of buying cheap insurance for a Jeep Grand Cherokee in Michigan depends upon many rating criteria such as if you are married or single, your address, and your policy deductibles. Drivers on average will pay $2,050 each year to insure their Grand Cherokee, but that rate is an approximation based upon a 40-year-old married female that includes full comprehensive and collision coverage and $250 policy deductibles.

It’s highly likely you may not be 40 years old (or even female), single instead of married, or maybe you need higher liability limits than the state minimum. Auto insurance prices are based on the driver profile your best chance at finding cheap auto insurance rates for your Jeep is to make a habit of comparing rates at every renewal. Comparing quotes is easy and you can get rates from the best companies available.

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The trim level of your Grand Cherokee has an effect on the yearly cost, so the price to insure a Grand Cherokee Laredo 2WD will be $216 less than the cost to insure the more costly Grand Cherokee SRT-8 4WD trim level, as demonstrated by the prices below.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify price quotes considerably.

Comparing rates for low-priced auto insurance is difficult, and determining which company has the best auto insurance rates for a Jeep Grand Cherokee will require even more diligence. Each company uses their own calculation for setting prices, so let’s begin by examining the lowest cost auto insurance companies in Michigan.

It’s important to know that Michigan auto insurance rates are based on many factors that can increase the price of coverage. This is why consumers need to spend some time comparing rates to get the most budget-friendly auto insurance quotes for a Jeep Grand Cherokee. Insurance prices can be determined by many different factors and can change substantially, so the cheapest company two years ago may now be one of the more expensive options.

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USAA may have some of the cheapest car insurance rates in Michigan at around $958 each year. GEICO, Safeco, MetLife, and Chubb would also be considered some of the lowest-priced Michigan car insurance companies.

As depicted above, if you buy coverage from MetLife and switched to USAA, you could earn an annual premium reduction of about $366. Michigan drivers with Chubb may save as much as $414 a year, and MEEMIC insureds might lower prices by $450 a year.

To see if you’re overpaying, click here to get quotes or visit any of the companies below.

These rates are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Jeep Grand Cherokee. So the company that is best for you may not even be in the list of companies above. That illustrates why you need to get car insurance quotes using your own driver and vehicle profiles.

Discount Michigan car insurance

Auto insurance companies that provide cheap insurance for a Jeep Grand Cherokee in Michigan may provide rate discounts that could potentially reduce rates by as much as 40% or more if you meet certain criteria. A list of companies and a partial list of their discounts include:

The chart below illustrates the comparison of premium costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Michigan state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, homeowner, multiple vehicle, accident-free, anti-theft, and passive restraint discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Jeep Grand Cherokee is % or $.

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Geico, Progressive, Allstate, and State Farm: Who is best?

If you’re looking for the cheapest car insurance, the companies with the most market share are Geico, Progressive, Allstate, and State Farm. Combined they have over 48% of all car insurance policies written. All offer your standard physical damage and liability coverages, but each one has different features and discounts that policyholders can choose from. The following table compares and contrasts ratings and policy coverage options that are available for policyholders.