Who Has the Cheapest Insurance Quotes for a Jeep Grand Cherokee in Tennessee?

Whether or not you can find cheaper coverage for a Jeep Grand Cherokee in Tennessee is dependent upon a lot of things like your gender, your current insurance company, and violations on your driving record. Drivers on average pay approximately $960 per year to buy Jeep Grand Cherokee insurance, but that price is a projection that uses a 30-year-old married male driver that includes comprehensive and collision coverage and $100 deductibles.

There’s a good chance you are not a 30-year-old male, possibly single instead of married, and you possibly have other drivers on your policy that need factored in. What appears to be a small change in the rating criteria used to formulate rates can make a big difference in how much insurance for a Jeep Grand Cherokee costs.

Every driver has different characteristics, so your best chance at finding affordable rates for your Jeep is to make a habit of comparing rates at every renewal. It takes less than five minutes and you will be able to see rates from the best auto insurance companies that insure Jeep vehicles in Tennessee.

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Your Jeep’s trim level tends to impact the coverage cost, so the price you pay to insure a Grand Cherokee Laredo 2WD trim level will be $112 cheaper than the cost to insure the higher-priced Grand Cherokee SRT-8 4WD version, as shown in the chart below.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rates do not factor in garaging location in Tennessee which can decrease or increase price quotes significantly.

Finding dependable, reasonably-priced car insurance is not most people’s favorite thing to do, and deciding which company has the cheapest auto insurance rates for a Jeep Grand Cherokee will involve a little more work. Each company uses their own method for determining rates in each state, so to begin we’ll rank the most competitive auto insurance companies in Tennessee.

Keep in mind that Tennessee auto insurance rates are impacted by many factors that will increase or decrease the price you pay. Improving your credit score, increasing liability limits, or getting a couple of tickets may cause policy rate changes that can cause some rates to be more expensive than others.

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Utica National quotes some of the cheapest car insurance rates in Tennessee at around $744 per year. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers are also some of the cheaper Tennessee car insurance companies.

As the example above demonstrates, if you are a customer of Auto-Owners and switched to Utica National, you may realize a yearly savings of roughly $83. Policyholders with Cincinnati Insurance might save as much as $132 a year, and Penn National customers might reduce rates by $164 a year.

Bear in mind that those policy rates are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Jeep Grand Cherokee. So the company that is best suited for you may not even be included in the rate chart shown above. That points out the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.

The example below illustrates how choosing a deductible can change insurance costs when quoting cheap insurance for a Jeep Grand Cherokee. Data assumes a married male driver, full coverage, and no discounts are applied to the premium.

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As shown above, a 30-year-old driver could pocket $310 a year by increasing from a $100 deductible up to a $500 deductible, or save $468 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could possibly save as much as $936 each year by choosing a larger deductible amount.

When choosing a higher deductible, it’s a good idea to have enough savings to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Which major car insurance company is best?

If you are looking for the best insurance for a Grand Cherokee in Tennessee, four companies to definitely compare rates with are Geico, Progressive, Allstate, and State Farm. When combined, they insure nearly half of the entire U.S. market share. They all offer a little bit different set of discounts and options that may influence which company you choose. The following table illustrates some of the different features that may be available in Tennessee.

Who has the cheapest Jeep Grand Cherokee insurance quotes?

Drivers have a lot of ways to comparison shop for auto insurance in Tennessee, but the most prevalent ways are from an independent insurance agent, a captive (or exclusive) agent such as State Farm or Allstate, or direct from companies such as Geico or Progressive.

Each way has the same basic process, but shoppers should understand the differences in how they provide rate quotes.

Independent agencies work for many companies and can compare rates with every one. Agents of this type are not locked into one company and can provide you with more rates, which may provide you with more bang for your buck. If the agent locates a cheaper price, the business is moved internally which is easy for the insured.

An exlusive, or captive, agency is ‘exlusive’ to one insurance company, for example a Liberty Mutual or State Farm agent. These agents are not able to quote prices from more than a single company, so if prices are high they cannot provide alternatives.

If you want to buy auto insurance direct, you do not use local insurance agents and instead buy direct online or over the phone from a company like Esurance or Progressive. Buying auto insurance direct may be preferred by people who have fewer assets and know the exclusions of a policy.

So which one of the three ways works best for finding the cheapest insurance for a Jeep Grand Cherokee in Tennessee? It would be obvious to point out buying from a direct company results in the best prices since no commissions are paid to an agent, but that does not always hold true. We could also assume that using an independent agent results in the cheapest rates since there are more companies to choose from, but again, it’s not necessarily true. And occasionally, exclusive agents have very competitive rates that cannot be met by either independent or direct companies.

Since auto insurance rates vary so much, really the only way to make sure you’re not overpaying for auto insurance is to compare, compare, and compare some more. If you have the time, get rate quotes from independent agents, exclusive agents, and direct companies to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.