Who Has Cheap Insurance Quotes for a Jeep Grand Cherokee in Virginia?

Your chances of finding the best cheap car insurance for a Jeep Grand Cherokee in Virginia hinges on a large number of rating criteria such as driver age, if you are a frequent claim filer, and if you had any at-fault accidents in the last few years. Drivers pay on average $890 each year for Grand Cherokee insurance, but that figure is an approximation rating a 30-year-old single male that purchased full coverage including both comprehensive and collision and $250 deductibles.

Chances are that rate is not what you would pay, because most likely you are not 30 and possibly not even male, you might be married instead of single, or maybe your Grand Cherokee is an older model. Everyone has unique insurance needs, and this illustrates why your best shot at finding cheap insurance rates for your Jeep is to comparison shop your policy at each renewal.

Cheapest Jeep Grand Cherokee Insurance Rates

The specific model of Grand Cherokee impacts the insurance rate, so the cost to insure a Grand Cherokee Laredo 2WD will be $88 lower than the insurance cost for the higher-end Grand Cherokee SRT-8 4WD model, as demonstrated by the prices below.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific zip code location which can impact premium rates substantially.

Finding good, affordable car insurance is not always easy, and deciding which company offers the most affordable insurance rates for a Jeep Grand Cherokee will involve additional perseverance. Each auto insurance company has their own process to set their prices, so let’s rank the most budget-friendly insurance companies in Virginia.

It’s important that readers know that Virginia insurance rates are based on many factors that may substantially change the policy premium. This price fluctuation is why consumers need to take the time to perform an extensive rate comparison to find the cheapest car insurance quotes for a Jeep Grand Cherokee. Insurance prices are determined by many things and can increase or decrease at any time, so the best option two years ago may now be quite expensive.

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Travelers may have some of the most affordable car insurance rates in Virginia at around $679 each year. USAA, Cincinnati Insurance, Penn National, and Auto-Owners would also make the list of some of the lowest-priced Virginia auto insurance companies.

In the above example, if you are currently insured with Cincinnati Insurance and switched to Travelers, you could see an annual premium reduction of about $54. Policyholders with Penn National may save as much as $69 a year, and Auto-Owners insureds might cut rates by $79 a year.

To find out how much you can save, click here to begin a quote or visit several of the following companies.

Understand that those estimates are averages for all insureds and vehicles and are not factoring in a specific rate value for a Jeep Grand Cherokee. So the insurer that can offer the best rates for your situation may not even be shown in the list of companies above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Discounts on cheap insurance for a Jeep Grand Cherokee in Virginia

Auto insurance companies that provide policies for a Jeep Grand Cherokee may have special discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. The best insurance companies and some of their more popular discounts are included below.

• State Farm offers premium reductions for defensive driving training, Steer Clear safe driver discount, safe vehicle, good driver, and Drive Safe & Save.
• American Family offers discounts for TimeAway discount, good student, air bags, defensive driver, Steer into Savings, multi-vehicle, and bundled insurance.
• AAA has discounts for AAA membership discount, education and occupation, good driver, multi-car, and pay-in-full.
• GEICO includes discounts for anti-lock brakes, daytime running lights, seat belt use, anti-theft, good student, multi-vehicle, and federal employee.
• Mercury Insurance policyholders can earn discounts including good student, multi-car, age of vehicle, ease of repair, and multi-policy.
• Farmers Insurance may include discounts for good student, switch companies, electronic funds transfer, business and professional, pay in full, youthful driver, and early shopping.
• Progressive may have discounts that include continuous coverage, online signing, good student, online quote discount, multi-policy, and multi-vehicle.

The chart below compares insurance costs with and without discounts applied to the premium. The costs are based on a female driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, homeowner, defensive driving course, vehicle safety, multiple vehicle, and marriage discounts applied. With discounts applied, the the amount saved on insurance for a Jeep Grand Cherokee is 28% or $409.

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Careless driving habits raise insurance rates

The recommended way to score cheap insurance for a Jeep Grand Cherokee in Virginia is to drive cautiously and not receive tickets or have accidents. The information below shows how speeding tickets and at-fault claims raise insurance costs for each age group. The costs are based on a single male driver, full coverage, $100 deductibles, and no discounts are factored in.

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The chart shows that the average cost of car insurance in Virginia per year with no accidents and a clean driving record is $1,756. Get one speeding ticket and the average cost jumps to $1,977, an increase of $222 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of insurance for a Jeep Grand Cherokee increases to an average of $3,829. That’s an increase of $2,074, or $173 per month, just for a couple of infractions!