Who Has Cheap Insurance for a Jeep Grand Cherokee in Illinois?

The chances of finding cheaper coverage for a Jeep Grand Cherokee in Illinois is contingent on a complex formula that considers things like how far you commute, if you have ever let your coverage lapse, and if you have a clean driving record. Drivers in Illinois will pay around $620 every 12 months to insure a Jeep Grand Cherokee, but that cost is a projection based on a 50-year-old single female driver with full comprehensive and collision coverage and $1,000 physical damage deductibles.

Chances are that you are not 50 and possibly not even female, you might be married instead of single, or maybe you want more liability coverage than is required by law in Illinois. Auto insurance is unique to every driver, so the most reliable method for finding the most affordable coverage for your Jeep is to make a habit of comparing prices at least once a year.

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The trim level of your Grand Cherokee tends to impact the yearly cost, so the cost to insure a Grand Cherokee Laredo 2WD model will cost $48 less than the price to insure the fancier Grand Cherokee SRT-8 4WD trim level, as shown by the rates below.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in vehicle location which can lower or raise auto insurance rates considerably.

Picking the top insurer can be a challenge considering how many companies there are to choose from in Illinois. The rank data listed below may help you analyze which auto insurers to look at comparing rates with. The ratings below only include the largest auto insurers in America, so companies that focus mainly on Illinois business are not included in this list.

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

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top Companies for Jeep Grand Cherokee Insurance in Illinois

Discounts on cheap insurance for a Jeep Grand Cherokee in Illinois

<img class="floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/best-car-insurance-jeep-grand-cherokee-il.jpg" alt="Cheaper Illinois auto insurance for a Grand Cherokee”/>Insurance providers that sell policies for a Jeep Grand Cherokee may additionally offer premium discounts that could potentially reduce rates by as much as 40% or more if you meet eligibility requirements. The best auto insurance companies and their possible discounts are:

The information below shows the comparison of insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Illinois state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, multiple vehicle, passive restraint, accident-free, safe-driver, and claim-free discounts applied. When these discounts are applied, the the amount saved on auto insurance for a Jeep Grand Cherokee is % or $.

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How accidents and tickets impact rates

In a perfect world, the best way to obtain low auto insurance rates for a Grand Cherokee is to drive carefully and avoid getting tickets or having accidents. The information below illustrates how speeding tickets and at-fault accidents can raise insurance premiums for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

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The data above shows the average cost of a car insurance policy in Illinois per year with no accidents and a clean driving record is $1,393. Receive two speeding tickets and the average cost increases to $1,922, an increase of $529 each year. Now add in 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 $3,867. That’s an increase of $2,474, or $206 per month, just for not being a responsible driver!

Geico, State Farm, Progressive, or Allstate: Which is best?

If you are shopping around for car insurance, probably the best companies to start with are Geico, State Farm, Progressive, and Allstate. If you combine them together, they insure over 48% of all policies written. The table below points out price and claims rank as well as some different options shoppers can find with each company.