Best Cheap Insurance for a Jeep Grand Cherokee in Arizona

Whether or not you can find the best cheap insurance for a Jeep Grand Cherokee in Arizona is contingent on lots of different factors like the safety rating of your vehicle, your claims history, and any driving offenses on your record. Arizona drivers on average pay around $830 each year to buy insurance for a Jeep Grand Cherokee, but that price is a ballpark figure using rating data for a 50-year-old single male that has full coverage and $500 policy deductibles.

It’s more than likely you are not 50 and possibly not even male, married instead of single, or you need different deductibles. Making minor changes in rating factors can generate big changes in how much coverage for a Jeep Grand Cherokee costs.

Auto insurance is unique to each driver, so the most reliable method for finding cheap insurance prices for your Jeep is to regularly compare rates at renewal.

Compare Jeep Grand Cherokee Insurance Rates

Your vehicle’s trim level tends to have a direct effect on price, so the price you will be charged to insure a Grand Cherokee Laredo 2WD trim level will be $78 less than the price to insure the higher-end Grand Cherokee SRT-8 4WD version, as shown in the prices below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can affect price quotes substantially.

Arizona insurance companies

Choosing a good quality auto insurance provider is hard considering how many companies sell coverage in Arizona. The company information displayed below may help you decide which car insurance companies to look at purchasing a policy from.

These ratings only include companies with a nationwide focus, so companies that may only write in Arizona are not factored into this list. To compare prices from the insurers below and more, click here.

Top 10 Major Auto Insurance Providers in Arizona Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top Companies for Jeep Grand Cherokee Insurance in Arizona

Cost difference between full coverage and liability

Finding the best cheap insurance for a Jeep Grand Cherokee in Arizona is important to most drivers, and one good way to find cheap insurance is to only buy liability coverage. The illustration below illustrates the difference between yearly insurance costs with liability coverage only compared to full coverage. The data assumes a clean driving record, no claims, $500 deductibles, drivers are single, and no discounts are applied.

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As an overall average, physical damage coverage on your policy costs $1,676 per year more than just buying liability insurance. Many drivers will wonder if full coverage is worth the money. There is no clear-cut formula that is best for determining when to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.

The diagram below highlights how deductible selection can raise or lower premium costs when trying to find cheap insurance for a Jeep Grand Cherokee. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2245,2059,1843,1639],[‘Age 30’, 1575,1437,1279,1129],[‘Age 40’, 1557,1423,1271,1127],[‘Age 50’, 1365,1251,1119,995],[‘Age 60’, 1301,1191,1065,945],[‘Age 70’, 1401,1281,1151,1027]]);var options = {title: ‘Deductible Levels and Jeep Grand Cherokee Insurance Rates in Arizona’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee’,minValue: 0,format: ‘$###,###’},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);}

In the chart above, a 30-year-old driver could reduce rates by $286 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $430 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, could reduce their rates $606 every year just by choosing larger deductibles. If you do decide to increase your deductibles, it is a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

How to find the best cheap insurance for a Jeep Grand Cherokee in Arizona

It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help drivers find more affordable car insurance.

• Raise your physical damage coverage deductibles
• Drive safe vehicles
• Accident-free drivers may qualify for discounts
• Higher credit scores may earn you cheaper rates
• Just one traffic violation will increase your rates
• Drop full coverage on older vehicles
• Keep rates low by shopping around frequently

The last tip is highly valuable, as we pointed out in this piece. Prices charged by auto insurers in Arizona adjust often, so you should be ready to buy from a new company if a cheaper rate is available.

Being loyal to a particular company is commendable, but it isn’t a good idea if that devotedness results in you overpaying thousands of dollars over several years. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for a Jeep Grand Cherokee.

Which car insurance company is best?

When shopping around for insurance for a Grand Cherokee in Arizona, four good companies to start with are Allstate, Geico, State Farm, and Progressive. All offer your standard physical damage and liability coverages, but each one has somewhat different options that drivers can select from. The data below compares price and claims rank as well as some different options shoppers can expect to find with each one.