Cheap Insurance Quotes for a Jeep Grand Cherokee in Alabama

When writing about shopping for car insurance, the word affordable should never be used as a descriptor for car insurance rates. Sad but true, cheap auto insurance for a Jeep Grand Cherokee does not exist. Don’t let that get you down, though, because we will tell you how you can find auto insurance that is more affordable than your current policy.

The odds of finding cheap auto insurance for a Jeep Grand Cherokee in Alabama depends on a lot of factors like your age, if you have recent claims, and if you have a clean driving record. Alabama drivers pay an average rate of $1,180 each year to insure a Jeep Grand Cherokee, but that figure is a projection calculated using a 40-year-old single female who requires full coverage and $250 deductibles.

When making auto insurance estimates, the issue arises that you are not exactly 40 years old and possibly not even female, maybe you are married instead of single, or you need different physical damage deductibles. Auto insurance requires individual risk assessment, so your best chance at finding cheap car insurance rates for your Jeep is to take your time and compare rates from as many companies as possible.

Save Now on Grand Cherokee Insurance

Your vehicle’s trim level will be a contributing factor to the insurance rate, so the rate you will pay to insure a Grand Cherokee Laredo 2WD trim level will be $120 cheaper than the price to insure the higher-end Grand Cherokee SRT-8 4WD trim level, as shown by the rates below.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate information does not factor in specific Alabama garaging location which can modify rates significantly.

Picking the right auto insurance company can be challenging considering how many choices you have in Alabama. The rank data shown below may help you decide which companies to look at when trying to find cheaper insurance for a Jeep Grand Cherokee.

The rankings below are for companies with a nationwide focus, so smaller companies are not taken into consideration for these rankings. To view rates from these and other companies in Alabama, simply click here.

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

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top 10 Large Auto Insurance Providers Overall in Alabama

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Jeep Grand Cherokee Insurance in Alabama

Poor driving habits will raise your auto insurance rates

The obvious way to earn cheap auto insurance rates for a Grand Cherokee is to pay attention while driving and not have accidents or get tickets. The information below illustrates how violations and fender-benders impact insurance prices for each different age category. The premium estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

In the previous example, the average cost of car insurance per year with no accidents and a clean driving record is $1,604. Receive two speeding tickets and the average cost increases to $2,209, an increase of $605 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Jeep Grand Cherokee increases to an average of $4,566. That’s an increase of $2,963, or $247 per month, just for being a careless driver!

Price comparison of only insuring for liability

Finding cheap insurance for a Jeep Grand Cherokee in Alabama is probably important to most drivers, and one great way to pay lower rates for insurance is to not pay for full coverage. The example below illustrates the difference between insurance prices with full coverage compared to only the Alabama minimum liability coverage. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no other discounts are factored in.

If we average the cost for ages 20 through 70, comp and collision coverage costs an extra $2,287 per year more than carrying just liability coverage. That brings up the question if it’s a good idea to buy full coverage. There isn’t a steadfast formula of when to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

Does Allstate, State Farm, Progressive, or Geico have the cheapest car insurance?

If you want reliable auto insurance, probably the best companies to start with are Allstate, State Farm, Progressive, and Geico. Between them, they make up nearly half of all vehicles in the U.S.. The next table compares ratings for price, service, and claims, in additional to some of the optional coverages that may be available in your state.