Cheap Insurance for a Jeep Grand Cherokee in Oklahoma

When talking about auto insurance, the words “affordable” or “cheap” should never appear anywhere in the article. Regardless, cheap auto insurance for a Jeep Grand Cherokee can seem impossible to find. Don’t get your dauber down, because we will teach you how you can still get car insurance that is cheaper than your current policy.

Your chances of buying the best cheap auto insurance for a Jeep Grand Cherokee in Oklahoma relies on things like your marital status, your residence address, and if your driving record shows any at-fault accidents. Oklahoma drivers on average pay around $1,460 a year to buy insurance for a Jeep Grand Cherokee, but that policy rate is an estimate calculated using a 40-year-old married female driver who needs comprehensive and collision coverage and $100 deductibles.

Chances are good that you are not 40 and possibly not even female, you might be single instead of married, or maybe you need higher liability limits than the state minimum. Everyone has unique insurance needs, and this illustrates why the way we recommend to find the cheapest rates for your Jeep is to just compare rates yourself. It only takes a few minutes and you will receive prices from top-rated car insurance companies that offer coverage in Oklahoma.

Cheapest Jeep Grand Cherokee Insurance Rates

Your vehicle’s trim level will have an impact the annual cost of coverage, so the price you will be charged to insure a Grand Cherokee Laredo 2WD trim level will be $162 lower than the price to insure the fancier Grand Cherokee SRT-8 4WD model, as shown in the table below.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in Oklahoma location which can increase or decrease premium rates substantially.

Comparing quotes for low-priced auto insurance is tough enough, and deciding which company offers the most affordable insurance rates for a Jeep Grand Cherokee requires additional perseverance.

Every insurance company uses different criteria to set policy rates, so we’ll go over the most competitive insurance companies in Oklahoma. It’s important that you understand Oklahoma insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. This price variability is why it is critical to perform a complete rate comparison when trying to find the most affordable insurance quotes for a Jeep Grand Cherokee. Car insurance prices are impacted by many factors and change substantially, so the most economical company when you bought your policy may now not even be in the top five.

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USAA may have some of the cheapest car insurance rates in Oklahoma at around $1,185 a year. Oklahoma Farmers Union, Safe Auto, The Hartford, and GEICO would also be considered some of the cheaper Oklahoma auto insurance companies.

As shown above, if you are a policyholder with The Hartford and switched to USAA, you could realize yearly savings of upwards of $188. Oklahoma drivers with GEICO might save as much as $196 a year, and Farmers customers might see rate reductions of $209 a year.

To discover how much you can save, click here to start a quote or feel free to get quotes from the companies below.

Understand that those premiums are averaged for all drivers and vehicles in Oklahoma and and are not figured with a specific rate value for a Jeep Grand Cherokee. So the auto insurance company that can offer you the lowest price may not even be in the above list. That is why you need to get auto insurance quotes using your own driver and vehicle profiles.

Liability-only versus full coverage

Finding cheap insurance for a Jeep Grand Cherokee in Oklahoma is probably important to the majority of vehicle owners, and one way to find cheap insurance is to only pay for liability coverage. The illustration below illustrates the difference between yearly insurance costs with and without physical damage coverage. The data is based on no claims or violations, $500 deductibles, single status, and no additional discounts are factored in.

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As an average for all age groups, full coverage on your policy costs an extra $2,696 per year more than carrying just liability coverage. That proposes the question if paying for full coverage is a waste of money. There isn’t a steadfast formula for excluding physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

The illustration below shows how choosing a deductible can increase or decrease premium costs when trying to find cheap insurance for a Jeep Grand Cherokee. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3667,3337,2965,2609],[‘Age 30’, 2579,2341,2065,1803],[‘Age 40’, 2543,2311,2047,1795],[‘Age 50’, 2223,2023,1795,1579],[‘Age 60’, 2121,1929,1709,1501],[‘Age 70’, 2279,2073,1847,1631]]);var options = {title: ‘Impact of Deductibles on Jeep Grand Cherokee Insurance Rates in Oklahoma’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 30-year-old driver could lower their policy premium by $496 a year by changing from a $100 deductible to a $500 deductible, or save $748 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could possibly save up to $1,058 or even more by choosing larger deductibles on their policy. When increasing deductibles, it will now be necessary to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Progressive, Allstate, Geico, and State Farm: Who is best?

If you’re looking for the best insurance for a Grand Cherokee in Oklahoma, four good companies to start with are Progressive, Allstate, Geico, and State Farm. When combined, they insure almost 50% of the entire U.S. market share. All of them offer physical damage and liability coverage, but each has slightly different coverage options that may influence your buying decision. The next table rates some of the different options that may be available in Oklahoma.