How to Compare Jacksonville Jeep Grand Cherokee Insurance

Discount Jeep Grand Cherokee insuranceScraping up a payment for pricey Jeep Grand Cherokee insurance in Jacksonville can deplete your savings and force you to make tough financial choices.

It goes without saying that auto insurance companies don’t want you quoting rates from other companies. People who shop for lower rates will, in all likelihood, buy a new policy because of the good chance of finding more affordable rates. Remarkably, a study showed that people who made a habit of comparing rates saved on average $850 each year compared to drivers who never shopped around for cheaper prices.

If finding the most affordable Jeep Grand Cherokee insurance is your target objective, then having some insight into how to get rate quotes and compare car insurance can save time, money, and frustration. Consumers have multiple insurers to buy insurance from, and though it is a good thing to have a selection, having more insurance companies makes it harder to adequately compare rates for Jeep Grand Cherokee insurance in Jacksonville.

The providers in the list below are our best choices to provide comparison quotes in Florida. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Take policy discounts and save on Jeep Grand Cherokee insurance in Jacksonville

Car insurance can cost a lot, but you may be missing some discounts to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but some must be specially asked for prior to receiving the credit.Cheaper insurance with discounts

It’s important to note that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The chart below illustrates the comparison of Jeep Grand Cherokee auto insurance rates with and without discounts being applied to the rates. The premium estimates are based on a female driver, no claims or violations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, claim-free, marriage, and safe-driver discounts applied.

If you would like to view insurance companies that offer discounts in Florida, click here.

Jeep Grand Cherokee insurance rate analysis

The rate table below highlights a range of coverage costs for Jeep Grand Cherokee models. Being aware of how insurance quotes are calculated can be of help when making informed coverage decisions.

Jeep Grand Cherokee Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $226 $430 $438 $26 $132 $1,252 $104
Grand Cherokee Laredo 4WD $226 $430 $438 $26 $132 $1,252 $104
Grand Cherokee Limited 2WD $254 $506 $438 $26 $132 $1,356 $113
Grand Cherokee Limited 4WD $254 $506 $438 $26 $132 $1,356 $113
Grand Cherokee SRT-8 4WD $254 $506 $438 $26 $132 $1,356 $113
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price estimates do not factor in vehicle garaging location which can increase or decrease price quotes noticeably.

Policy deductibles

One frequently asked question is which deductibles should you choose. The premium rates below can help you visualize how much more rates are when you buy lower versus higher comp and collision deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.

Jeep Grand Cherokee insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $358 $648 $418 $24 $124 $1,597 $133
Grand Cherokee Laredo 4WD $358 $648 $418 $24 $124 $1,597 $133
Grand Cherokee Limited 2WD $406 $764 $418 $24 $124 $1,761 $147
Grand Cherokee Limited 4WD $406 $764 $418 $24 $124 $1,761 $147
Grand Cherokee SRT-8 4WD $406 $764 $418 $24 $124 $1,761 $147
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Jeep Grand Cherokee insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $262 $438 $418 $24 $124 $1,266 $106
Grand Cherokee Laredo 4WD $262 $438 $418 $24 $124 $1,266 $106
Grand Cherokee Limited 2WD $296 $516 $418 $24 $124 $1,378 $115
Grand Cherokee Limited 4WD $296 $516 $418 $24 $124 $1,378 $115
Grand Cherokee SRT-8 4WD $296 $516 $418 $24 $124 $1,378 $115
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in specific zip code location which can decrease or increase premiums noticeably.

Based on the figures above, using a $100 deductible will cost you approximately $30 more each month or $360 annually averaged for all Grand Cherokee models than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 13 months between claims, you would save more money if you elect the higher deductible. Here is the way you can come to your own conclusion.

Average monthly premium for $100 deductibles: $141
Average monthly premium for $500 deductibles (subtract): – $111
Monthly savings from raising deductible: $30
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important issue to know is that a higher deductible means you will have to pay more of your own money when you have to file a claim. You need to have enough disposable savings in the event you need to pay the deductible for vehicle repair.

The illustration below shows how choosing a deductible and can change Jeep Grand Cherokee insurance prices for each age group. The prices are based on a married male driver, full coverage, and no additional discounts are factored in.

Jeep Grand Cherokee Insurance Prices Can Be Lower

Consumers need to have an understanding of some of the things that help determine the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower premium levels. Many different elements are used in the calculation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, but other criteria are more obscure such as whether you are married or your vehicle rating.

The itemized list below are some of the most common factors auto insurance companies consider when setting premiums.

Is you employer costing you more? – Did you know your job can affect your rates? Jobs such as lawyers, airline pilots, and miners tend to pay higher premiums than the average policyholder in part from intense work situations and incredibly demanding work hours. On the other hand, jobs like scientists, students and retirees pay lower than average rates.

Liability protection risk factors – Your auto insurance policy’s liability coverage will protect you when you are responsible for causing personal injury or damage in an accident. It provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Traffic violations can increase prices – Whether or not you get tickets has a huge affect on how much you pay. Drivers who don’t get tickets get better rates as compared to those with violations. Just one chargeable violation may cause rates to rise by as much as thirty percent. Drivers who have received serious citations like reckless driving or DUI may find that they have to to submit a SR-22 form with their state’s licensing department in order to legally drive.

The example below demonstrates how speeding tickets and at-fault claims influence Jeep Grand Cherokee insurance prices for each different age category. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.

Get better rates if married – Being married helps lower the price compared to being single. Marriage is viewed as being more financially stable and it’s proven that drivers who are married file infrequent claims.

Gender matters – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Females and males are responsible for fender benders in similar numbers, but guys cause more damage and cost insurance companies more money. Men also tend to get ticketed for serious violations like reckless driving and DUI.

The illustration below visualizes the comparison of Jeep Grand Cherokee insurance costs for male and female drivers. The costs are based on no violations or accidents, full coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Physical damage deductibles – The deductibles you choose represent how much money the insured will be required to pay if a claim is determined to be covered. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, damage caused by hail, and damage from wind. The higher the amount you pay before a claim is paid (deductible), the less your company will charge you for insurance.

Insurance is expensive for teen drivers – Mature drivers are proven to be safer behind the wheel, tend to file fewer claims, and are safer drivers. Young drivers are statistically proven to be careless and easily distracted when driving so auto insurance rates are higher.

The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Insurance loss probability for a Jeep Grand Cherokee – Car insurance companies take into consideration historical loss data for every vehicle to calculate a rate that will offset any claims. Vehicles that the data shows to have higher number or severity of losses will cost more to insure.

The table below demonstrates the actual insurance loss data for Jeep Grand Cherokee vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is a value of 100. Values under 100 are indicative of better than average losses, while values over 100 point to more claims or larger claims.

Jeep Grand Cherokee Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Jeep Grand Cherokee 4dr 2WD 81 111 71 62 60 94
Jeep Grand Cherokee 4dr 4WD 91 112 98 67 63 89

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local neighborhood insurance agents

A lot of people would prefer to talk to a local agent and doing that can be a smart decision Experienced insurance agents can point out coverage gaps and help file insurance claims. One of the best bonuses of getting free rate quotes online is the fact that drivers can get cheaper rates and still have an agent to talk to.

Once you complete this short form, your coverage information is emailed to local insurance agents in Jacksonville who want to provide quotes for your coverage. You don’t have to visit any agencies since rate quotes are delivered to your email. If you want to quote rates for a specific company, you just need to search and find their rate quote page and complete a quote there.

Selecting an provider needs to be determined by more than just a cheap price quote. Ask your prospective agent these questions:

Listed below are agents in Jacksonville willing to provide price quote information for Jeep Grand Cherokee insurance in Jacksonville.

2325 Park StJacksonville, FL 32204(904) 425-4054View Map

7855 Argyle Forest Blvd #502Jacksonville, FL 32244(904) 783-3388View Map

3041 Monument Rd #1Jacksonville, FL 32225(904) 642-2400View Map

4540 Southside Blvd #1102Jacksonville, FL 32216(904) 296-2500View Map

More insurance agents

After talking to the agent and getting answers to your satisfaction to any questions you have as well as inexpensive Jeep Grand Cherokee insurance in Jacksonville quotes, most likely you have located an provider that can service your policy. Keep in mind policyholders can cancel your policy whenever you wish so don’t feel that you are obligated to any specific agency with no way out.

When do I need an agent’s advice?

Always remember that when buying a policy, there really isn’t a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that.Drive safe and save
These are some specific questions may help highlight whether or not you may require specific advice.

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Affordable auto insurance rates are out there

Cheaper auto insurance in Jacksonville can be found from both online companies as well as from independent agents in Jacksonville, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agencies.

When searching for cheaper Jacksonville auto insurance quotes, you should never buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice liability limits or collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best possible price.

We just showed you a lot of tips how to lower your Jeep Grand Cherokee insurance prices in Jacksonville. The key concept to understand is the more you quote Jacksonville auto insurance, the better chance you’ll have of finding the cheapest Jeep Grand Cherokee rate quotes. Consumers may even find the lowest priced auto insurance comes from some of the smallest insurance companies. These companies often have lower rates on specific markets compared to the large companies like GEICO and State Farm.

How to find low-cost Jeep Grand Cherokee insurance in Jacksonville

The best way we recommend to get budget Jeep Grand Cherokee insurance in Jacksonville is to regularly compare price quotes from insurers who can sell car insurance in Florida.

  1. Learn about car insurance and the modifications you can make to keep rates in check. Many policy risk factors that are responsible for high rates like traffic violations and an unacceptable credit rating can be controlled by making small lifestyle or driving habit changes.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes for many different companies.
  3. Compare the price quotes to your current policy and see if you can save money. If you can save some money and change companies, make sure coverage is continuous and does not lapse.

A valuable tip to remember is to make sure you’re comparing identical deductibles and limits on each quote request and and to get price estimates from all possible companies. This provides an accurate price comparison and a thorough selection of prices.

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