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

When writing about auto insurance, the word cheap should not be used anywhere in the article to describe car insurance prices. Notwithstanding, cheap car insurance for a Jeep Grand Cherokee is pretty hard to find. But don’t let us ruin your dream, because there may be ways you can quote auto insurance that won’t break your budget.

Your chances of buying the best cheap auto insurance for a Jeep Grand Cherokee in Minnesota relies on a complex calculation that is influenced by things like your date of birth, whether or not you garage your vehicle, and blemishes on your driving record. Drivers in Minnesota pay an average of $830 each year to buy Jeep Grand Cherokee insurance, but that rate is an estimate that rates a 40-year-old married female that included full comprehensive and collision coverage and $500 deductibles.

That rate won’t apply to everyone, because more than likely you are not a 40-year-old female, you might be single instead of married, or you want lower deductibles. Even a slight difference in rating factors can make a huge difference in rates.

Insurance is an individual thing, so the most reliable way to find the most affordable coverage for your Jeep is to shop around at every renewal for lower rates.

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The specific model of Grand Cherokee impacts price, so the rate you pay to insure a Grand Cherokee Laredo 2WD model will be $80 cheaper than the insurance cost for the fancier Grand Cherokee SRT-8 4WD model, as demonstrated by the prices below.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in zip code location which can revise auto insurance rates significantly.

Locating affordable auto insurance is difficult, and deciding which company offers the best insurance rates for a Jeep Grand Cherokee will take additional perseverance. Each auto insurance company has their own unique process to set policy rates, so to begin we’ll rank the lowest cost insurance companies in Minnesota.

Cheap Insurance Rates for Your Jeep

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Travelers quotes some of the lowest car insurance rates in Minnesota at around $667 each year. USAA, Farm Bureau Mutual, Western National, and The Hartford also rank well as some of the cheaper Minnesota insurance companies.

As shown above, if you currently have coverage with Western National and switched to USAA, you could earn an annual savings of about $121. Customers with The Hartford may save as much as $129 a year, and West Bend Mutual policyholders might reduce prices by as much as $136 a year.

Remember that these premiums are averaged across all drivers and vehicles in Minnesota and do not take into consideration a specific rate factor for a Jeep Grand Cherokee. So the insurer that can offer the best rates for your situation may not even be in the above list. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.

How violations and accidents impact rates

The obvious way to receive good insurance premiums in Minnesota for a Grand Cherokee is to be a safe driver and avoid at-fault accidents and violations. The diagram below shows how speeding tickets and at-fault fender-benders can impact auto insurance costs for different categories of driver ages. Data assumes a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3185,3457,5733],[‘Age 30’, 1673,1945,4221],[‘Age 40’, 1607,1877,4153],[‘Age 50’, 1469,1739,4017],[‘Age 60’, 1443,1713,3989],[‘Age 70’, 1655,1923,4199]]);var options = {title: ‘Accidents, Violations, and Minnesota 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 Minnesota’,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);}

In the previous example, the average cost of an auto insurance policy in Minnesota per year with no violations or accidents is $1,839. Get written up for one speeding ticket and the average cost surges to $2,109, an increase of $270 each year. Next add two accidents along with the one speeding ticket and the yearly cost of insurance for a Jeep Grand Cherokee goes up to an average of $4,385. That’s an increase of $2,547, or $212 per month, just for a couple of infractions!

Types of discounts on Minnesota car insurance rates

Insurance companies that sell cheap insurance for a Jeep Grand Cherokee in Minnesota may also give you special discounts that could lower prices by 25% or more if you meet specific eligibility requirements. Popular insurance companies and their possible discounts can be found below.

• Farm Bureau offers premium reductions for youthful driver, driver training, multi-policy, 55 and retired, good student, safe driver, and multi-vehicle.
• MetLife may offer discounts for good student, claim-free, multi-policy, accident-free, and defensive driver.
• Progressive offers discounts including continuous coverage, multi-vehicle, online quote discount, multi-policy, and homeowner.
• AAA includes discounts for good student, AAA membership discount, education and occupation, pay-in-full, and multi-car.
• American Family may have discounts that include accident-free, bundled insurance, good student, air bags, and multi-vehicle.
• GEICO offers discounts for defensive driver, daytime running lights, emergency military deployment, membership and employees, multi-vehicle, and five-year accident-free.
• State Farm may include discounts for multiple autos, anti-theft, driver’s education, defensive driving training, Steer Clear safe driver discount, and good driver.

The example below visualizes the comparison of auto insurance rates with and without discounts applied to the premium. The data assumes a male driver, no driving violations, no at-fault accidents, Minnesota state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, accident-free, defensive driving course, anti-theft, claim-free, and vehicle safety discounts applied. When taking advantage of discounts, the the average amount saved on insurance for a Jeep Grand Cherokee is 28% or $547.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3379,2431],[‘Age 30’, 1763,1283],[‘Age 40’, 1739,1259],[‘Age 50’, 1583,1149],[‘Age 60’, 1529,1111],[‘Age 70’, 1865,1345]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Jeep Grand Cherokee’,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 Minnesota’,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(‘qcibdisc’));chart.draw(data, options);}

How to find more affordable auto insurance for a Jeep Grand Cherokee

The list below details many money-saving solutions that can help Minnesota drivers quote cheaper coverage.

• Buy vehicles with five-star safety ratings
• Home or renters coverage can save on auto insurance
• Increase your credit score
• Having at-fault accidents will increase rates
• Do not pay for full coverage if not needed
• Comparison shop at least every other year

The last idea is incredibly crucial, as we pointed out in the article above. Auto insurance rates fluctuate constantly, so drivers shouldn’t be resistant to switch to a new company if you find a better deal.

Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that stubbornness costs you money that could be spent on other things. Now is a great time to shop around and find cheaper insurance for a Jeep Grand Cherokee.