Cheap Insurance for a Jeep Grand Cherokee in California

The chances of finding the best cheap auto insurance for a Jeep Grand Cherokee in California is dependent upon many rating criteria such as how safe your vehicle is, if you are a frequent claim filer, and physical damage deductibles. Drivers on average pay around $1,340 a year to insure a Grand Cherokee, but that figure is an approximation that uses rate data for a 30-year-old married male driver that includes full physical damage coverage and $250 deductibles.

It’s highly likely that you are not a 30-year-old male, you might be single instead of married, and maybe your credit level is not the same as what was rated. Car insurance coverage is unique to each driver, so this is why your best chance at finding the cheapest coverage for your Jeep is to do a thorough rate comparison. In just a couple of minutes you will receive price comparisons from some of the best companies that sell coverage in California.

Save Now on Grand Cherokee Insurance

The trim level of your vehicle will have an impact the coverage cost, so the cost to insure a Grand Cherokee Laredo 2WD will cost $146 less than the cost to insure the high end Grand Cherokee SRT-8 4WD trim level, as demonstrated by the prices below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate quotes do not factor in California location which can raise or lower price quotes noticeably.

What is the best car insurance company in California?

Insuring your vehicle with a highly-rated auto insurance provider can be difficult considering how many choices you have in California. The ranking information shown next may help you select which providers you want to consider shopping prices with.

The ratings below only include the largest auto insurers in America, so companies that have a smaller presence are not included in this list. If you wish to compare prices from many more California auto insurance companies, simply click here.

Cost comparison with and without full coverage

Finding cheap insurance for a Jeep Grand Cherokee in California is probably important to the majority of vehicle owners, and one of the easiest ways to save on the cost of insurance is to only pay for liability coverage. The information below shows the difference between car insurance rates when comparing full coverage to liability only. The data is based on no claims or driving violations, $500 deductibles, marital status is single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 4195,1563],[‘Age 30’, 2195,855],[‘Age 40’, 2153,791],[‘Age 50’, 1963,741],[‘Age 60’, 1903,729],[‘Age 70’, 2341,975]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee in California’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

As an average for all age groups, full coverage on your policy costs $2,458 per year over and above liability coverage. A very common question is if you should buy full coverage at all. There is no clear-cut formula of when to stop paying for full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

There are some situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Discounts on cheap insurance for a Jeep Grand Cherokee in California

Insurance providers that offer coverage for a Jeep Grand Cherokee could also offer price discounts that could potentially reduce rates by 25% or more if you meet the requirements. A list of car insurance companies and a partial list of their discounts can be read below.

• Progressive offers discounts including online signing, multi-policy, homeowner, online quote discount, and multi-vehicle.
• GEICO discounts include five-year accident-free, driver training, anti-lock brakes, membership and employees, federal employee, air bags, and good student.
• State Farm may offer discounts for anti-theft, driver’s education, Steer Clear safe driver discount, good driver, accident-free, and Drive Safe & Save.
• Esurance policyholders can earn discounts including emergency road assistance, good student, defensive driver, claim free, safety device, DriveSense, and multi-car.
• The Hartford has savings for anti-theft, bundle, driver training, air bag, defensive driver, and good student.

The information below visualizes the comparison of car insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, multiple vehicle, accident-free, defensive driving course, claim-free, and passive restraint discounts applied. When these discounts are applied to the policy premium, the the average amount saved on car insurance for a Jeep Grand Cherokee is 28% or $702.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3737,2687],[‘Age 30’, 2565,1855],[‘Age 40’, 2383,1723],[‘Age 50’, 2083,1511],[‘Age 60’, 2015,1457],[‘Age 70’, 2359,1699]]);var options = {title: ‘Insurance Rate Comparison with Discounts 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 in California’,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, State Farm, Allstate, or Progressive

When comparing car insurance, probably the best companies to start with are Geico, State Farm, Allstate, and Progressive. They all offer unique coverages that may influence your buying decision. The next table shows price and claims rank as well as some different options .

Who has the cheapest Jeep Grand Cherokee insurance quotes?

There are many ways to find lower-cost car insurance in California, but the most common methods are from an exclusive insurance agent like Auto-Owners or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Progressive or Geico.

Each way has the same basic steps, but it’s important to understand the differences in how they price policies.

Independent agents work for many companies and can quote your policy with every one. These agents do not work for one specific company and can give you a larger rate selection, which may give you the best chance of saving money. If your agent finds better pricing, it’s easy for the agent to move the policy and you don’t have to find a new agent.

Exclusive agents are limited to one insurance company, a couple examples are an Auto-Owners or Allstate agent. They usually cannot provide a range of price quotes, so it’s a good idea to get additional price quotes.

Opting to purchase car insurance direct means you forego a local agent and instead buy buying direct from a company like Esurance or Geico. This car insurance option can be good for people who do not need advice for asset protection and know more than average about the limitations of their policy.

So which one of the three ways works best to find cheap insurance for a Jeep Grand Cherokee in California? We would first guess that buying from a direct car insurance company results in the cheapest rates since that prevents the need to pay agent commissions, but that turns out to not be true. And we’d like to say going through an independent agent is the best way to go due to increased selection, but again, that’s not accurate. For some people, exclusive agents may have very competitive prices that other car insurance companies cannot touch.

Since car insurance prices vary so much, the guaranteed way to ensure the lowest rates is to get quotes and compare the rates. It takes a little work, but we recommend you get prices from all three to give yourself plenty of rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.