How Much is Insurance for a Jeep Grand Cherokee in West Virginia?

When talking about car insurance, the words cheap or affordable really should not be used anywhere to describe car insurance rates. Unfortunately, cheap auto insurance for a Jeep Grand Cherokee just does not exist. But don’t despair, because we will teach you how you can quote and buy coverage that won’t break the bank.

The chances of buying cheaper insurance for a Jeep Grand Cherokee in West Virginia is dependent upon a lot of different factors such as how you use your Grand Cherokee, your credit history, and your choice of physical damage deductibles. Drivers in West Virginia pay an average rate of $980 every 12 months to insure a Grand Cherokee, but that figure is an estimation based upon a 30-year-old married male driver who needs full coverage including both comprehensive and collision and $500 policy deductibles.

Chances are that you aren’t exactly 30 years old or even a male, possibly single instead of married, and maybe you want higher deductibles. This demonstrates why the best way to find cheap car insurance rates for your Jeep is to put in the effort to do a thorough rate comparison.

Insure Your Jeep for Less

Your vehicle’s trim level has an effect on the annual cost of coverage, so the rate you will pay to insure a Grand Cherokee Laredo 2WD will cost $98 less than the insurance cost for the more expensive Grand Cherokee SRT-8 4WD model, as shown in the prices below.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific zip code location which can affect insurance rates considerably.

Buying low-priced car insurance is confusing at best, and finding out which companies have the cheapest auto insurance rates for a Jeep Grand Cherokee involves a little more work. Each auto insurance company uses different criteria to set their prices, so let’s begin by examining the auto insurance companies that tend to have lower prices in West Virginia.

It’s important to understand that West Virginia auto insurance rates are influenced by many factors that may substantially change the price you have to pay. This price fluctuation is why it is critical to shop around with many companies to get the cheapest insurance rates for a Jeep Grand Cherokee. Auto insurance prices are calculated by many factors and change substantially, so the best price when you last compared rates may now be quite expensive.

Cheap Insurance Rates for Your Jeep

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Erie generally has some of the cheapest car insurance rates in West Virginia at around $931 annually. The Hartford, State Auto, Westfield, and USAA also qualify as some of the more affordable West Virginia auto insurance companies.

As illustrated above, if you are a customer of State Auto and switched to Erie, you may see an annual savings of about $335. Drivers with Westfield may save as much as $344 a year, and USAA insureds might cut rates by $382 a year.

To get a fast rate comparison, click here to start your free quote or visit any of the companies below.

Bear in mind that those premiums are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Jeep Grand Cherokee. So the auto insurance company that fits your needs best may not even be featured in the list of companies shown earlier. That underscores the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.

The chart below highlights how deductible selection can change yearly insurance costs when researching cheap insurance for a Jeep Grand Cherokee. The prices are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3701,3377,3021,2679],[‘Age 30’, 1937,1765,1567,1379],[‘Age 40’, 1859,1701,1521,1347],[‘Age 50’, 1703,1559,1397,1239],[‘Age 60’, 1671,1531,1371,1215],[‘Age 70’, 1917,1763,1593,1431]]);var options = {title: ‘Impact of Deductibles on Jeep Grand Cherokee Insurance Rates in West Virginia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee’,minValue: 0,format: ‘$###,###’},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);}

The chart above illustrates that a 40-year-old driver could lower their policy premium by $306 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $464 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old example, have the ability to save up to $1,022 or more by selecting a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it will be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.

Comparison of full coverage and liability-only policies

Finding cheap insurance for a Jeep Grand Cherokee in West Virginia is the goal of the majority of vehicle owners, and one easy way to pay lower rates for insurance is to not buy full coverage. The diagram below illustrates the difference between car insurance costs when comparing full coverage to liability only. The rate quotes are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 3099,1303],[‘Age 30’, 1633,715],[‘Age 40’, 1585,663],[‘Age 50’, 1453,621],[‘Age 60’, 1411,609],[‘Age 70’, 1755,815]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee in West Virginia’,minValue: 0,format: ‘$###,###’},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);}

Averaged for all ages 20 through 70, full coverage costs an additional $1,823 per year more than carrying just liability coverage. That is a big expense that brings up the question if paying for full coverage is a waste of money. There is no clear-cut formula of when to phase out comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.