Jeep Grand Cherokee insurance rates image courtesy of QuoteInspector.com
Buying the cheapest coverage for a Jeep Grand Cherokee in Arizona depends on a large number of factors such as whether you are male or female, your geographic location, and driving citations. Drivers in Arizona pay on average $706 annually to insure their Grand Cherokee, but that cost is an approximation using a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
If we were betting, you may not be 50 years old (or even male), possibly single instead of married, or maybe you want more liability coverage than is required by law in Arizona. Each driver's needs are different, and that demonstrates why the best method for finding affordable rates for your Jeep is to do the rate comparisons yourself.
Your vehicle's trim level will likely have an effect on the coverage cost, so the price you pay to insure a Grand Cherokee Laredo 2WD trim level will be $68 cheaper than the cost to insure the more expensive Grand Cherokee SRT-8 4WD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$146||$268||$288||$18||$86||$806||$67|
|Grand Cherokee Laredo 4WD||$146||$268||$288||$18||$86||$806||$67|
|Grand Cherokee Limited 2WD||$166||$316||$288||$18||$86||$874||$73|
|Grand Cherokee Limited 4WD||$166||$316||$288||$18||$86||$874||$73|
|Grand Cherokee SRT-8 4WD||$166||$316||$288||$18||$86||$874||$73|
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in vehicle garaging location which can raise or lower premiums greatly.
Buying coverage from a highly-rated auto insurance company is hard considering how many companies there are in Arizona. The ranking information listed below can help you choose which car insurance companies to look at when comparing rate quotes. The ratings below only include large insurance companies, so smaller companies will not be included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Does it make sense to buy full coverage?
Saving money when shopping for insurance is probably important to the majority of drivers, and one common way to reduce the cost of insurance for a Jeep Grand Cherokee is to only pay for liability coverage. The information below visualizes the comparison of yearly insurance costs when comparing full coverage to liability only. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.
If averaged for all ages, full coverage on your policy costs $1,491 per year over and above liability only. Many of you may wonder if buying full coverage is worth the expense. There is no definitive guideline of when to phase out comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
Get discounts on Scottsdale car insurance
Auto insurance companies that provide policies for a Jeep Grand Cherokee may also provide special discounts that could lower prices by as much as 30% if you qualify. Companies and some of the premium reductions they offer are shown below.
- State Farm may include discounts for good student, anti-theft, student away at school, Drive Safe & Save, and multiple autos.
- GEICO offers discounts including multi-policy, seat belt use, driver training, defensive driver, emergency military deployment, and military active duty.
- Allstate has savings for 55 and retired, anti-lock brakes, passive restraint, safe driver, good student, and senior citizen.
- SAFECO offers discounts for anti-theft, drive less, bundle discounts, teen safe driver, multi-car, and homeowner.
- Farm Bureau offers premium reductions for renewal discount, multi-policy, driver training, 55 and retired, and good student.
- Progressive may offer discounts for continuous coverage, good student, multi-policy, homeowner, multi-vehicle, online signing, and online quote discount.
- AAA may have discounts that include multi-policy, good driver, AAA membership discount, multi-car, pay-in-full, and good student.
The example below illustrates the difference between auto insurance costs with and without discounts applied. The information is based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, marriage, accident-free, vehicle safety, claim-free, and safe-driver discounts applied. When taking advantage of discounts, theaverage amount saved on insurance for a Jeep Grand Cherokee is 28% or $476.
How to find the cheapest auto insurance for a Jeep Grand Cherokee
Below you'll find some of the better penny-pinching suggestions that can help drivers locate cheap coverage.
- Speeding tickets and other violations increase rates
- Do not pay for full coverage on older vehicles
- Safe vehicles generally have lower rates
- Higher credit scores may earn you cheaper rates
- Raise deductibles to save money
- Having at-fault accidents will increase rates
- Keep rates low by shopping around frequently
The last suggestion is especially crucial, as was stressed in the article above. Prices charged by auto insurers in Scottsdale vary considerably, so don't be hesitant to buy from a different company if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it isn't a good idea if your bullheadedness ends up costing you a fortune every year. Take a few minutes and shop around and find cheaper car insurance for a Jeep Grand Cherokee.
The auto insurance agents in Scottsdale shown below can probably aid you in deciding which insurance coverage you need, as some drivers have questions and prefer to get help from a professional when trying to find lower insurance rates for a Grand Cherokee. It can be challenging to find the cheapest car insurance policy, so getting advice from a licensed agent can bring comfort knowing you have adequate asset protection.
To find a Scottsdale insurance agent nearest to you, click the button link following the list.
Diemer Insurance Agency Inc
16050 N 76th St - Scottsdale, AZ 85260 - (480) 264-2854
Matt Funicello - State Farm Insurance Agent
8102 E McDowell Rd #1b - Scottsdale, AZ 85257 - (480) 994-4304
Athena Olson - State Farm Insurance Agent
8170 N 86th Pl #105 - Scottsdale, AZ 85258 - (480) 398-1266