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

When the topic is auto insurance, the word “cheap” should not appear anywhere in the article as a descriptor for car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Jeep Grand Cherokee is almost non-existent. Don’t let that ruin your day, because we will show you how you can still get coverage that is cheaper than what you are paying now.

Your ability to find the best cheap coverage for a Jeep Grand Cherokee in Montana depends upon many rating factors such as miles driven annually, if you have prior claims, and any prior driving offenses. Drivers in Montana pay approximately $1,650 each year for Grand Cherokee insurance, but that price is an estimate using a 50-year-old married female who needs full physical damage coverage and $100 physical damage deductibles.

When projecting a rate like this, the problem is that you aren’t exactly 50 years old or even a female, you might be single instead of married, or you need different physical damage deductibles. What appears to be a small change in the rating input factors could result in a significant change in the price of coverage.

Every car insurance policy is unique to the driver, so the way we recommend to find the cheapest rates for your Jeep is to make a habit of comparing prices at least once a year. Do a quick rate comparison now and you will be able to compare rates from some of the most affordable companies that offer coverage in Montana.

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Your vehicle’s trim level tends to have a direct impact on the cost of coverage, so the rate you will pay to insure a Grand Cherokee Laredo 2WD will be $182 lower than the cost to insure the high end Grand Cherokee SRT-8 4WD version, as shown by the rates below.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Montana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Montana garaging location which can decrease or increase insurance rates noticeably.

Trying to buy low-cost car insurance is easier said than done, and deciding which companies have the lowest-priced car insurance rates for a Jeep Grand Cherokee will require additional perseverance.

Each company uses a slightly different approach for setting prices, so to begin we’ll rank the most affordable car insurance companies in Montana.

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Safeco generally has some of the cheapest car insurance rates in Montana at around $837 a year. Progressive, USAA, State Farm, and MetLife would also be considered some of the lowest-priced Montana insurance companies.

As shown in the rates above, if you are insured with USAA and switched to Safeco, you might realize a yearly price reduction of in the neighborhood of $187. Drivers with State Farm could save as much as $232 a year, and MetLife policyholders might see rate reductions of $338 a year.

Remember that these premiums are averaged across all drivers and vehicles in Montana and do not take into consideration a specific rate factor for a Jeep Grand Cherokee. So the insurer that has the cheapest rates for you may not even be featured in the company chart above. That points out the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.

The illustration below shows how different deductible levels can change insurance rates when trying to find cheap insurance for a Jeep Grand Cherokee. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 7433,6725,5959,5235],[‘Age 30’, 3799,3471,3093,2727],[‘Age 40’, 3795,3445,3049,2671],[‘Age 50’, 3439,3127,2775,2439],[‘Age 60’, 3323,3023,2687,2365],[‘Age 70’, 4011,3667,3289,2931]]);var options = {title: ‘Effect of Higher Deductibles on Jeep Grand Cherokee Insurance Rates in Montana’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee’,minValue: 0,format: ‘$###,###’},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 50-year-old driver could lower their policy premium by $664 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $1,000 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old category, could shave $2,198 each year just by choosing higher deductibles.

When increasing deductibles, it will now be necessary to have enough savings set aside to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Discounts on cheap insurance for a Jeep Grand Cherokee in Montana

Insurance providers that provide policies for a Jeep Grand Cherokee may also offer premium discounts that may potentially lower prices by as much as 35% if you meet specific criteria. Larger car insurance companies and their offered discounts are included below.

• State Farm has savings for driver’s education, student away at school, good student, multiple policy, safe vehicle, and anti-theft.
• GEICO offers discounts including anti-lock brakes, emergency military deployment, daytime running lights, defensive driver, and driver training.
• SAFECO offers premium reductions for anti-theft, safe driver, teen safety rewards, anti-lock brakes, and teen safe driver.
• Farmers Insurance has discounts for pay in full, mature driver, switch companies, homeowner, youthful driver, early shopping, and multi-car.
• AAA offers discounts for pay-in-full, good driver, education and occupation, AAA membership discount, multi-policy, and multi-car.
• USAA discounts include annual mileage, multi-policy, family discount, vehicle storage, loyalty savings, driver training, and multi-vehicle.

The information below compares insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no claims or driving violations, Montana state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with claim-free, homeowner, safe-driver, multiple policy, vehicle safety, and accident-free discounts applied. With discounts applied, the the average amount saved on car insurance for a Jeep Grand Cherokee is 28% or $968.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 5959,4281],[‘Age 30’, 3093,2243],[‘Age 40’, 3049,2205],[‘Age 50’, 2775,2005],[‘Age 60’, 2687,1941],[‘Age 70’, 3289,2367]]);var options = {title: ‘Effect of Discounts on Insurance Price 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 Montana’,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 budget-friendly auto insurance for a Jeep Grand Cherokee

Here are a few thrifty ideas that can help Montana drivers find low-cost auto insurance.

• Avoid having at-fault accidents
• Increase the comprehensive and collision deductibles on your policy
• Remove physical damage coverage on older vehicles
• Pay for small claims rather than turning them in to your insurance company
• Tickets and violations raise rates
• Shop around for lower rates once a year

That last tip is especially important, as was noted in this piece. Insurance rates fluctuate constantly, so drivers shouldn’t be reluctant to switch companies if you can find a cheaper rate.

Brand loyalty is great, but it’s not a great idea if it’s costing you a small fortune. If you have a few minutes, now is a great time to compare prices and find cheaper auto insurance for a Jeep Grand Cherokee.