Finding cheaper coverage for a Jeep Grand Cherokee in California relies on a lot of different factors such as how far you drive to work, the condition of your credit, and if you have tickets or violations. California drivers pay approximately $911 each year to insure their Grand Cherokee, but that figure is an approximation calculated based on a 50-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
It’s more than likely you are not 50 and maybe not even a male, maybe you are single instead of married, or maybe you have a speeding ticket that needs to be factored in. Having just a slight change in rating variables can make a large difference in the cost of a policy.
Everone’s needs are different, and this illustrates why the only real way to find cheap insurance prices for your Jeep is to just compare rates yourself. Quotes only take a couple of minutes and you will be able to compare rates from top-rated car insurance companies around.
Cheapest Jeep Grand Cherokee Insurance Rates
The specific trim level impacts the cost of insurance, so the rate you will pay to insure a Grand Cherokee Laredo 2WD will be $76 lower than the insurance cost for the high end Grand Cherokee SRT-8 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $164 | $308 | $424 | $26 | $126 | $1,048 | $87 |
| Grand Cherokee Laredo 4WD | $164 | $308 | $424 | $26 | $126 | $1,048 | $87 |
| Grand Cherokee Limited 2WD | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| Grand Cherokee Limited 4WD | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| Grand Cherokee SRT-8 4WD | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in San Jose location which can influence coverage prices considerably.
San Jose insurance company ratings
Buying coverage from the right insurer is difficult considering how many companies there are to choose from in California. The information listed below may help you select which providers to look at when shopping around. These rankings are only comprised of the largest auto insurers in America, so companies that focus mainly on California business will not be included in this list.
Top 10 Major Car Insurance Companies Overall in San Jose
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Types of discounts on San Jose insurance
Auto insurance companies that offer quotes for a Jeep Grand Cherokee may also offer premium discounts that could potentially reduce rates by as much as 30% if you qualify. A list of companies and a selection of discounts are:
- State Farm offers premium reductions for Drive Safe & Save, driver’s education, safe vehicle, good driver, student away at school, Steer Clear safe driver discount, and accident-free.
- Progressive policyholders can earn discounts including multi-policy, online quote discount, online signing, multi-vehicle, and good student.
- Travelers has discounts for multi-policy, new car, driver training, continuous insurance, and IntelliDrive.
- American Family includes discounts for Steer into Savings, air bags, bundled insurance, good student, accident-free, and early bird.
- Liberty Mutual may include discounts for multi-car, new vehicle discount, multi-policy, preferred payment discount, good student, safety features, and new graduate.
The illustration below illustrates the comparison of auto insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, passive restraint, marriage, multiple vehicle, multiple policy, and vehicle safety discounts applied. When drivers take advantage of discounts, theamount saved on insurance for a Jeep Grand Cherokee is 28% or $702.
How accidents and violations affect rates
One of the best ways to obtain cheap insurance premiums for a Grand Cherokee is to drive carefully and maintain a clean driving record. The example below illustrates how traffic citations and at-fault claims can increase insurance costs for different age groups. The information is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of an auto insurance policy in California per year with no accidents and a clean driving record is $1,675. Get written up for one speeding ticket and the average cost rises to $1,956, an increase of $281 each year. Next add one accident along with the one speeding ticket and the annual cost of insurance for a Jeep Grand Cherokee increases to an average of $2,737. That’s an increase of $1,063, or $89 per month, just for not driving responsibly!
Ideas to find cheaper insurance for a Jeep Grand Cherokee
The list below summarizes some of the recommended money-saving suggestions that can help drivers get cheap car insurance.
- Avoid preventable accidents
- Good credit can mean cheaper rates
- Buy a vehicle with excellent safety ratings
- If your vehicles are older, consider dropping full coverage
- Buying home and auto insurance together can earn discounts
- Compare rates regularly and switch companies to save money
The last suggestion is extraordinarily significant, as was affirmed in this article. Car insurance rates in San Jose can change in a short period of time, so you should be ready to buy a different policy if you find a cheaper price. Many drivers prefer to stick with one company, but it’s not a good idea if that devotion results in you overpaying hundreds every year. Spend a few minutes and compare prices to find cheaper car insurance for a Jeep Grand Cherokee.
If you like to get some help when shopping for the best coverage for a Jeep Grand Cherokee, the insurance agencies below can probably help you decide which car insurance company is the best fit. To locate a San Jose insurance agent using an interactive map, click the button below the list or click here to compare price quotes now.
- Tami Pratt – State Farm Insurance Agent
360 Kiely Blvd #125 – San Jose, CA 95129 – (408) 247-6800 - Allstate Insurance: David Tofig
6116 Camino Verde Dr Ste 9 – San Jose, CA 95119 – (408) 281-9190 - Jim Fiorentino – State Farm Insurance Agent
3150 Almaden Expy #204 – San Jose, CA 95118 – (408) 267-3276 - Donald Browne Insurance Services
330 W Hedding St #207 – San Jose, CA 95110 – (408) 292-4329 - Gatewood Insurance Agency Inc
1095 Bird Ave #2 – San Jose, CA 95125 – (408) 298-1611