How Much Does Insurance Cost for a Jeep Grand Cherokee in South Dakota?

We always joke that when we write about auto insurance, the word affordable really shouldn’t be used as a descriptor for car insurance rates. Regardless, cheap auto insurance for a Jeep Grand Cherokee is almost non-existent. We’ll try to make it up to you, because we are going to show you how you can still get car insurance that you can afford.

The chances of finding the cheapest auto insurance for a Jeep Grand Cherokee in South Dakota depends on lots of different rating factors like driver age, whether or not you are currently insured, and any prior driving offenses. Drivers on average pay approximately $690 every 12 months for Grand Cherokee insurance, but that is that rates a 50-year-old married male driver who purchased full coverage including both comprehensive and collision and $500 physical damage deductibles.

When making auto insurance estimates, the issue arises that you’re not a 50-year-old male, you might be single instead of married, and there is a good chance that you need different coverage limits than the exampe. Auto insurance rates are unique for each driver, so the best way to quote the cheapest insurance price for your Jeep is to compare as many rates as you can. Quotes are free and you will receive price comparisons from top-rated companies around.

Cheapest Jeep Grand Cherokee Insurance Rates

Your vehicle’s trim level has an effect on the annual cost of coverage, so the rate you pay to insure a Grand Cherokee Laredo 2WD will cost $66 less than the cost to insure the fancier Grand Cherokee SRT-8 4WD version, as demonstrated by the prices below.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in specific location which can revise coverage prices considerably.

Buying cost effective auto insurance is not the easiest thing to accomplish, and determining which companies offer the cheapest auto insurance rates for a Jeep Grand Cherokee involves additional perseverance. Each auto insurer has a different process to set premium rates, so let’s begin by examining the most affordable auto insurance companies in South Dakota.

Best Cheap Insurance Rates for Your Jeep

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USAA quotes some of the best car insurance rates in South Dakota at around $638 each year. Auto-Owners, State Farm, Western National, and Farmers Mutual of Nebraska would also be considered some of the most economical South Dakota auto insurance companies.

As the example above demonstrates, if you have coverage with Western National and switched to Auto-Owners, you could realize a yearly price reduction of in the vicinity of $112. South Dakota drivers with Farmers Mutual of Nebraska could save as much as $112 a year, and Farmers insureds might reduce prices by as much as $142 a year.

To find cheap insurance for a Jeep Grand Cherokee in South Dakota, click here to get a free quote or visit several of the following companies.

It’s important to note that these premiums are averaged for all drivers and vehicles in South Dakota and do not take into consideration a specific rate factor for a Jeep Grand Cherokee. So the auto insurance company that is best suited for you may not even be shown in the company chart above. That is why you need to compare rates from as many companies as possible using your own individual information.

Discounts on cheap insurance for a Jeep Grand Cherokee in South Dakota

Insurance providers that sell policies for a Jeep Grand Cherokee may have special discounts that could lower prices by as much as 30% if you are eligible for them. Popular auto insurance companies and a summarized list of policyholder discounts can be found below.

The chart below shows the difference between annual premium costs with and without policy discounts. The premiums assume a male driver, no claims or driving citations, South Dakota state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, defensive driving course, passive restraint, multiple policy, and homeowner discounts applied. In this example, the the amount saved on auto insurance for a Jeep Grand Cherokee is 13% or $230.

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Careless drivers pay higher rates

In a perfect world, the ideal way to receive cheap insurance for a Jeep Grand Cherokee in South Dakota is to drive carefully and not receive tickets or have accidents. The diagram below demonstrates how traffic citations and fender-benders can raise car insurance costs for each age group. Data assumes a married male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2975,3631,5961],[‘Age 30’, 1559,2219,4547],[‘Age 40’, 1497,2155,4485],[‘Age 50’, 1371,2027,4355],[‘Age 60’, 1347,2005,4333],[‘Age 70’, 1545,2203,4533]]);var options = {title: ‘Violations, Accidents, and South Dakota Jeep Grand Cherokee Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee in South Dakota’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of an auto insurance policy in South Dakota per year with no accidents or violations is $1,716. Get two speeding tickets and the average cost rises to $2,373, an increase of $658 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Jeep Grand Cherokee jumps again to an average of $4,702. That’s an increase of $2,987, or $249 per month, just for not driving attentively!

Ideas for finding economical insurance for a Jeep Grand Cherokee

It’s not impossible to find cheaper rates, and here are a few penny-pinching ideas that can help drivers buy cheaper auto insurance.

• Buying your home and auto policies from the same company can earn a discount
• Vehicles with safetly features generally cost less to insure
• Full coverage may not be needed on older vehicles
• Clean up your credit rating
• Avoid accidents
• Check for cheaper rates once a year

The last idea is particularly necessary, as was noted in this article. Prices in South Dakota can be changed at any time, so don’t be afraid to buy from a new company if you find a cheaper price.

Having brand loyalty is commendable, but it’s not a good idea if that inflexibility results in costing you potentially thousands of dollars a year. Spend a few minutes and compare prices and find cheaper car insurance for a Jeep Grand Cherokee.

Cheap Jeep Grand Cherokee insurance quotes

Consumers have many ways to compare cheaper auto insurance rates in South Dakota, but the most preferred ways are from an exclusive agency like Allstate or Liberty Mutual, an independent insurance agent, or direct online or over the phone from a company like Progressive or Geico.

Each way has the same basic process, but shoppers should understand the differences in how they give price quotes.

Independent insurance agencies are appointed by several companies and can compare rates with every one. These agents can provide you with more rates, which can help you get the best chance of saving money. If they find a lower price, the business is moved internally which prevents you from having to switch agents.

An exclusive ageny is able to place business with one insurance company, for example a Liberty Mutual or State Farm agent. They generally cannot quote prices from more than just one company, which does not give you the best rate comparison.

Drivers who opt to buy auto insurance direct skip either of the other two types of agents and instead buy from a direct company like Geico or Esurance. Shopping direct may be preferred by families who do not have a need for a risk management assessment and know more than average about the exclusions of a policy.

So which one of the three ways works best to find cheap insurance for a Jeep Grand Cherokee in South Dakota? We wish we could say buying from a direct car insurance company results in the cheapest rates since there isn’t an agent involved, but in reality, that argument does not hold true. We could also assume that using an independent agent guarantees the lowest rates because you have more choices, but that assumption is also not accurate. For some people, exclusive agencies may have very competitive prices that cannot be beaten by either independent or direct companies.

Since auto insurance companies use so many rating factors, the only real way to get the lowest rate is to get as many comparison quotes as possible. Smart shoppers will get rate quotes from independent agents, exclusive agents, and direct companies to have the best rate selection. For a list of auto insurance companies with low rates, click here to view.