Jeep Grand Cherokee insurance cost image courtesy of QuoteInspector.com
Finding cheaper coverage for a Jeep Grand Cherokee in Florida is pretty easy to do, but it is dependent upon a large number of factors such as whether you are married, your occupation, and your driving record. Florida drivers will pay on average $1,449 each year to insure their Grand Cherokee, but that cost is a projection using a 30-year-old single male driver with full physical damage coverage and $250 deductibles.
The issue that arises when projecting rates is that it's very likely that you're not a 30-year-old male, married instead of single, or maybe you prefer to not insure for full coverage. There is no perfect policy for every driver, so the way we recommend to find the most affordable coverage for your Jeep is to compare as many rates as possible.
Vehicle trim level can impact the cost of insurance, so the rate you will pay to insure a Grand Cherokee Laredo 2WD will be $142 cheaper than the cost to insure the more costly Grand Cherokee SRT-8 4WD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$368||$544||$546||$32||$164||$1,654||$138|
|Grand Cherokee Laredo 4WD||$368||$544||$546||$32||$164||$1,654||$138|
|Grand Cherokee Limited 2WD||$414||$640||$546||$32||$164||$1,796||$150|
|Grand Cherokee Limited 4WD||$414||$640||$546||$32||$164||$1,796||$150|
|Grand Cherokee SRT-8 4WD||$414||$640||$546||$32||$164||$1,796||$150|
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific location information which can alter premiums considerably.
Locating affordable insurance is not the easiest thing to accomplish, and determining which companies offer the cheapest car insurance rates for a Jeep Grand Cherokee requires additional perseverance. Each insurance company uses their own formula for setting rates, so first let's look at the rankings for the most competitive car insurance companies in Florida.
It's important that readers know that Jacksonville car insurance rates are impacted by many factors that may substantially change the policy price. Simply improving your credit, increasing liability limits, or getting a ticket for careless driving may prompt premium changes that can cause some rates to be more expensive than competitors.
Find Cheaper Auto Insurance for Your Jeep
|Rank||Company||Cost Per Year|
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USAA generally has some of the most affordable car insurance rates in Jacksonville at around $957 each year. Amica, Electric, Progressive, and Travelers are also some of the most economical Jacksonville, FL car insurance companies.
As the rates illustrate above, if you are a policyholder with Electric and switched to USAA, you might achieve a yearly savings of about $789. Insureds with Progressive could save as much as $818 a year, and Travelers policyholders might lower prices by up to $969 a year.
These policy rates are averages for all types of insureds and vehicles and do not factor in a vehicle location for a Jeep Grand Cherokee. So the insurer that can offer you the lowest price may not even be in the top 21 companies in the list above. That underscores the importance of why you need to get quotes using your own driver data and vehicle information.
Get discount Jacksonville car insurance
Insurance companies that provide policies for a Jeep Grand Cherokee may additionally offer special discounts that can lower rates by as much as 25% or more if you are eligible. Companies and some of the premium reductions they offer can be found below.
- American Family has discounts for mySafetyValet, bundled insurance, air bags, Steer into Savings, multi-vehicle, and good driver.
- State Farm offers premium reductions for safe vehicle, defensive driving training, anti-theft, good student, multiple policy, and multiple autos.
- 21st Century offers discounts including teen driver, early bird, homeowners, anti-lock brakes, automatic seat belts, good student, and air bags.
- Travelers has savings for new car, continuous insurance, hybrid/electric vehicle, save driver, and driver training.
- GEICO offers discounts for military active duty, anti-lock brakes, multi-vehicle, driver training, daytime running lights, and five-year accident-free.
The illustration below shows the difference between car insurance costs with and without discounts applied to the rates. The data is based on a male driver, a clean driving record, no claims, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with homeowner, passive restraint, claim-free, marriage, anti-theft, and defensive driving course discounts applied. When discounts are applied, the average savings per year on car insurance for a Jeep Grand Cherokee is 28% or $781.
Careless driving habits raise Jacksonville car insurance rates
One of the best ways to receive affordable car insurance premiums in Florida for a Grand Cherokee is to drive carefully and avoid accidents and keep your driving record clean. The information below illustrates how traffic citations and at-fault fender-benders can drive up yearly insurance costs for different age groups of insureds. The prices are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of a car insurance policy per year with no violations or accidents is $2,107. Factor in one speeding ticket and the average cost swells to $2,390, an increase of $283 each year. Then add two accidents along with the one speeding ticket and the yearly cost of car insurance for a Jeep Grand Cherokee jumps again to an average of $4,992. That's an increase of $2,885, or $240 per month, just for not maintaining a clean driving record!
If you aren't sure which coverage you need and prefer to have the advice of a professional agent when shopping for cheaper insurance for a Grand Cherokee, the insurance agencies below are a good start to help you decide which insurance coverage you need.
To locate a Jacksonville car insurance agency close to where you live, click the button following the list.
- Parvez Sahotra - State Farm Insurance Agent
3267 Hodges Blvd #14 - Jacksonville, FL 32224 - (904) 221-1161
- Erwin Insurance Agency-Beach
5243 Beach Blvd - Jacksonville, FL 32207 - (904) 391-1003
- Denny Doyle - State Farm Insurance Agent
7807 Baymeadows Rd E #100 - Jacksonville, FL 32256 - (904) 737-3777
- David Beam - State Farm Insurance Agent
10400 San Jose Blvd Ste 2 - Jacksonville, FL 32257 - (904) 379-4156
- Beans Insurance Agency, LLC
3041 Dunn Ave - Jacksonville, FL 32218 - (904) 766-1995
How to find more affordable insurance for a Jeep Grand Cherokee
It is possible to find better rates, and here are a few money-saving ideas that can help drivers quote cheap auto insurance.
- Avoid filing small claims
- Avoid getting citations and tickets
- Good credit can help you save money
- Bundle home or renters insurance to earn a discount on car insurance
- Drive attentively and avoid accidents
- Higher physical damage deductibles lower rates
- Compare rate quotes often
That final tip is highly vital, as was pointed out in this piece. Coverage rates fluctuate constantly, so don't be hesitant to switch companies if a lower price can be found.
Having a favorite company is fine, but is isn't recommended if that loyalty results in overpaying money that could be used for better things. In just a couple of minutes you could compare prices to find cheaper insurance for a Jeep Grand Cherokee in Jacksonville.