Best Cheap Insurance for a Jeep Grand Cherokee in Pennsylvania

Because the topic is car insurance, the words “cheap” or “affordable” should not be used anywhere in the article to describe car insurance prices. The fact is, cheap car insurance for a Jeep Grand Cherokee is not always easy to find. Don’t let that discourage you, because we are going to tell you how you can still find and buy coverage that is easier on your budget.

The chances of finding the cheapest coverage for a Jeep Grand Cherokee in Pennsylvania is dependent upon a very complex rating algorithm that uses multiple factors like the safety features of your vehicle, your geographic location, and any prior driving citations you have received. Pennsylvania drivers on average will pay $1,130 a year for Grand Cherokee insurance, but that is a valuation using rating data for a 40-year-old single male driver with full physical damage coverage and $250 policy deductibles.

But there is a high likelihood that you are not 40 and possibly not even male, married instead of single, or maybe you live in a different part of Pennsylvania than the example. Auto insurance requires individual risk assessment, so the only real way to find affordable rates for your Jeep is to take your time and compare rates from as many companies as possible. Quotes are free and easy and you will be able to compare rates from top-rated companies around.

Cheapest Jeep Grand Cherokee Insurance Rates

The trim level of your Grand Cherokee tends to have a direct impact on the yearly cost, so the cost to insure a Grand Cherokee Laredo 2WD will be $120 less than the cost to insure the more costly Grand Cherokee SRT-8 4WD trim level, as shown below.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in garaging location in Pennsylvania which can decrease or increase auto insurance rates greatly.

Establishing which insurers offer the lowest-priced insurance rates for a Jeep Grand Cherokee will require a bit more work than just quoting one company’s rates.

Every insurance provider used slightly different criteria to determine premium rates, so let’s rank the most competitive insurance companies in Pennsylvania. It’s important that readers know that Pennsylvania insurance rates are influenced by many factors which can substantially decrease or increase the cost of a policy. Simply having a birthday, marrying your spouse, or getting a DUI can trigger changes in premium that can now make some companies more affordable than before.

Lowest Insurance Price Quotes for Your Jeep

Click Here to Start Your Quote

google.charts.setOnLoadCallback(drawPAT5qcibChart);function drawPAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘General Casualty’, 726, ‘#67CF33’], [‘USAA’, 785, ‘#55AC2A’], [‘Travelers’, 787, ‘#468F23’], [‘Erie’, 816, ‘#3A771D’], [‘Penn National’, 832, ‘#306318’]]);var options = {title: ‘Top Five Low-Cost Auto Insurance Companies in Pennsylvania’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:932,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

General Casualty may offer some of the best car insurance rates in Pennsylvania at around $726 annually. USAA, Travelers, Erie, and Penn National would also be considered some of the lowest-priced Pennsylvania auto insurance companies.

In the rate table above, if you are insured with Erie and switched to USAA, you might see an annual savings of roughly $31. Drivers with Penn National may save as much as $47 a year, and Auto-Owners policyholders might reduce prices by as much as $218 a year.

If you want to see how much you could save, click here to begin a quote or visit any of the companies below.

Remember that these rates are averages for all drivers and vehicles and do not take into consideration a specific rate factor for a Jeep Grand Cherokee. So the auto insurance company that has the cheapest price for you may not even be in the above rate chart. That emphasizes why you need to get quotes using your own specific driver information and vehicle.

Insurance rates are higher with tickets and accidents

The common sense way to maintain low insurance prices for a Grand Cherokee is to be a good driver and avoid accidents and keep your driving record clean. The diagram below shows how speeding tickets and accident claims can affect auto insurance rates for different age groups. The rate quotes are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 3029,3695,6149],[‘Age 30’, 1587,2253,4709],[‘Age 40’, 1527,2195,4649],[‘Age 50’, 1401,2067,4519],[‘Age 60’, 1373,2041,4495],[‘Age 70’, 1583,2249,4703]]);var options = {title: ‘Effect of Citations and Accidents on Pennsylvania Jeep Grand Cherokee Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,750. Get written up for two speeding tickets and the average cost rises to $2,417, an increase of $667 each year. Next add two accidents along with the two speeding tickets and the yearly cost of insurance for a Jeep Grand Cherokee increases to an average of $4,871. That’s an increase of $3,121, or $260 per month, just for not paying attention while driving!

Discount Pennsylvania insurance

Car insurance companies that offer the best cheap insurance for a Jeep Grand Cherokee in Pennsylvania may also give you discounts that could potentially reduce rates by 40% or more if you meet certain criteria. A list of companies and the discounts they provide are shown below.

The information below visualizes the comparison of auto insurance costs with and without discounts being applied to the rates. The rates are based on a female driver, no accidents or driving violations, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, defensive driving course, accident-free, vehicle safety, passive restraint, and multiple vehicle discounts applied. When these discounts are applied, the average savings per year on insurance for a Jeep Grand Cherokee is 17% or $192.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3117,2243],[‘Age 30’, 2161,1569],[‘Age 40’, 2003,1453],[‘Age 50’, 1753,1271],[‘Age 60’, 1695,1227],[‘Age 70’, 1969,1423]]);var options = {title: ‘Insurance Rate Comparison for a Jeep Grand Cherokee’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Best rates: Geico, Allstate, State Farm, or Progressive

If you are looking for the best car insurance, probably the best companies to start with are Geico, Allstate, State Farm, and Progressive. When added together, they insure over 45% of all policies written in the United States. The next table breaks down some of the different features shoppers can expect to find with each one.