Save on Jeep Grand Cherokee Insurance in San Jose

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Insurance rates Jeep Grand Cherokee in San JoseFinding the cheapest insurance for a Jeep Grand Cherokee in California can turn out to be difficult, but you can use the following methods to find lower rates. There is a better way to buy insurance and we'll show you the absolute fastest way to price shop coverage on a Jeep and obtain the lowest possible price from San Jose insurance agents and online providers.

Affordable car insurance in San Jose, CA

The companies shown below are our best choices to provide price comparisons in California. If more than one company is shown, we suggest you get price quotes from several of them to find the lowest car insurance rates.

Insurance statistics for a Jeep Grand Cherokee

The premium information displayed below covers detailed analysis of insurance rates for Jeep Grand Cherokee models. Having a better idea how insurance quotes are formulated can help drivers make smart choices when choosing a car insurance company.

Jeep Grand Cherokee Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $380 $686 $442 $26 $132 $1,666 $139
Grand Cherokee Laredo 4WD $380 $686 $442 $26 $132 $1,666 $139
Grand Cherokee Limited 2WD $430 $810 $442 $26 $132 $1,840 $153
Grand Cherokee Limited 4WD $430 $810 $442 $26 $132 $1,840 $153
Grand Cherokee SRT-8 4WD $430 $810 $442 $26 $132 $1,840 $153
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in vehicle garaging location which can lower or raise insurance rates substantially.

Higher deductibles save money

The hardest decision when buying coverage is where should you set your physical damage deductibles. The comparisons below show the differences in premium rates when you buy lower versus higher physical damage coverage deductibles. The first price estimate table uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.

Jeep Grand Cherokee insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $342 $576 $442 $26 $132 $1,543 $129
Grand Cherokee Laredo 4WD $342 $576 $442 $26 $132 $1,543 $129
Grand Cherokee Limited 2WD $386 $678 $442 $26 $132 $1,689 $141
Grand Cherokee Limited 4WD $386 $678 $442 $26 $132 $1,689 $141
Grand Cherokee SRT-8 4WD $386 $678 $442 $26 $132 $1,689 $141
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Jeep Grand Cherokee insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $210 $362 $442 $26 $132 $1,172 $98
Grand Cherokee Laredo 4WD $210 $362 $442 $26 $132 $1,172 $98
Grand Cherokee Limited 2WD $238 $426 $442 $26 $132 $1,264 $105
Grand Cherokee Limited 4WD $238 $426 $442 $26 $132 $1,264 $105
Grand Cherokee SRT-8 4WD $238 $426 $442 $26 $132 $1,264 $105
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in zip code location which can increase or decrease coverage prices noticeably.

Based on this data, using a $250 deductible costs approximately $34 more each month or $408 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 22 months between claim filings, you would probably come out ahead by going with a higher deductible. Here is a better example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $136
Average monthly premium for $1,000 deductibles (subtract): - $102
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One big caveat is that a higher deductible level results in having to pay to pay more out-of-pocket if you have a claim. You must have access to more funds in the event you need to pay the deductible for vehicle repair.

The example below demonstrates how deductible levels and can impact Jeep Grand Cherokee insurance costs for different age groups. The premium estimates are based on a married male driver, full coverage, and no discounts are applied to the premium.

Cost of full coverage in San Jose

The diagram below visualizes the comparison of Jeep Grand Cherokee premium costs with full physical damage coverage compared to only buying liability only. The costs are based on no accidents or driving violations, $500 deductibles, single status, and no other discounts are factored in.

When to eliminate full coverage

There is no written rule for excluding physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let's assume your Jeep Grand Cherokee claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after the deductible is paid. If it's costing you more than $700 annually for your policy with full coverage, then you might consider buying liability only.

There are some conditions where buying only liability insurance is not recommended. If you haven't paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Companies offer many discounts on Jeep Grand Cherokee insurance in San Jose

Properly insuring your vehicles can get expensive, but you can get discounts that could help you make your next renewal payment. Some discounts will apply at the time of purchase, but some discounts are required to be asked about before they will apply.

  • Auto/Life Discount - Some companies give a break if you buy life insurance.
  • Theft Deterrent System - Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your San Jose auto insurance quote.
  • Low Miles Discount - Driving fewer miles may allow you to get better rates on cars that stay parked.
  • Onboard Data Collection - Drivers that enable companies to spy on vehicle usage remotely such as Allstate's Drivewise and State Farm's In-Drive system could see a rate decrease if their driving habits are good.
  • Good Students Pay Less - Maintaining excellent grades can save 20 to 25%. Most companies allow this discount up to age 25.
  • One Accident Forgiven - This one is not really a discount per se, but a few companies such as Allstate, Progressive, and GEICO will allow you to have one accident before raising your premiums with the catch being you have to be claim-free for a specific time period.

A quick disclaimer, most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, that's just not realistic. But any discount will definitely reduce your car insurance premiums.

The illustration below compares Jeep Grand Cherokee insurance premiums with and without discounts applied to the policy premium. The rates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, claim-free, homeowner, and marriage discounts applied.

Popular car insurance companies and some of the premium reductions they offer include:

  • State Farm may have discounts that include good student, anti-theft, accident-free, Drive Safe & Save, multiple autos, Steer Clear safe driver discount, and safe vehicle.
  • American Family may offer discounts for bundled insurance, good student, early bird, defensive driver, good driver, multi-vehicle, and air bags.
  • GEICO policyholders can earn discounts including anti-lock brakes, emergency military deployment, military active duty, federal employee, air bags, anti-theft, and multi-policy.
  • 21st Century offers premium reductions for teen driver, early bird, good student, homeowners, and air bags.
  • Progressive includes discounts for multi-policy, continuous coverage, homeowner, multi-vehicle, good student, online signing, and online quote discount.

If you need lower rates, check with all the companies which credits you are entitled to. Discounts may not be offered in San Jose. If you would like to view insurance companies who offer discounts in California, click here to view.

Local San Jose auto insurance agents and auto insurance

Some consumers just prefer to buy from a licensed agent and doing that can be a smart decision Good insurance agents can answer important questions and will help you if you have claims. The best thing about price shopping on the web is the fact that drivers can get cheap rate quotes and still choose a local agent.

Upon completion of this short form, your coverage information is sent to local insurance agents in San Jose that can give you free San Jose auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won't have to find an agent on your own because quoted prices will be sent to you instantly. If you need to get a rate quote from a specific company, you just need to find their quoting web page and fill out their quote form.

Choosing a insurance company should depend on more than just the bottom line cost. Any agent in San Jose should be willing to answer these questions.

  • Who is covered by the car insurance policy?
  • If independent agents, which companies do they recommend?
  • Does the agency have a positive business rating?
  • How much can you save by raising your physical damage deductibles?
  • Do they get paid more for recommending certain coverages?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • How many companies do they write for?
  • Do they have any clout with companies to ensure a fair claim settlement?

Shown below is a list of car insurance companies in San Jose that may be able to provide price quote information for Jeep Grand Cherokee insurance in San Jose.

More San Jose agents

Frequent quotes can save

In this article, we presented a lot of ways to reduce Jeep Grand Cherokee insurance rates online in San Jose. It's most important to understand that the more you quote San Jose auto insurance, the higher your chance of finding affordable Jeep Grand Cherokee insurance quotes. Consumers could even find that the best rates are with a small mutual company.

Consumers leave their current company for a variety of reasons including policy non-renewal, delays in paying claims, extreme rates for teen drivers or even high prices. It doesn't matter what your reason, finding a new auto insurance company is not as hard as you think.

When buying insurance coverage, it's a bad idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Steps to finding better rates for Jeep Grand Cherokee insurance in San Jose

It takes a little time, but the best way to find low-cost prices for Jeep Grand Cherokee insurance in San Jose is to compare prices regularly from insurance carriers who sell insurance in California. Prices can be compared by following these steps.

  • Step 1: Spend a few minutes and learn about auto insurance and the modifications you can make to lower rates. Many things that cause rate increases like traffic citations, accidents, and a negative credit rating can be rectified by making lifestyle changes or driving safer.
  • Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or State Farm, while independent agencies can give you price quotes from multiple insurance companies. Begin your rate comparison
  • Step 3: Compare the new quotes to your existing policy to determine if switching companies saves money. If you find a lower rate quote, verify that coverage does not lapse between policies.
  • Step 4: Notify your company or agent to cancel your existing policy and submit a down payment and signed policy application to the new company. Once coverage is bound, keep the new proof of insurance paperwork in a readily accessible location in your vehicle.

A good piece of advice is that you'll want to compare identical limits and deductibles on every price quote and and to compare as many carriers as you can. Doing this helps ensure a fair price comparison and and a good selection of different prices.

More detailed auto insurance information can be found at these sites: