Cheapest Arlington Jeep Grand Cherokee Insurance

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Insurance for Jeep Grand CherokeeThe recommended way to get cheaper Jeep Grand Cherokee insurance in Arlington is to start doing an annual price comparison from insurance carriers that insure vehicles in Texas. You can compare rates by following these steps.

  1. Spend a few minutes and learn about car insurance and the things you can control to lower rates. Many things that result in higher rates such as traffic violations, accidents, and an imperfect credit rating can be controlled by being financially responsible and driving safely. This article gives information to help prevent expensive coverage and find missing discounts.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can quote prices for many different companies.
  3. Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate quote and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide proper notification to your current company to cancel your existing policy. Submit a completed policy application and payment for your new coverage. As soon as you receive it, keep your new certificate verifying coverage in your glove compartment.

One thing to point out is that you'll want to make sure you compare identical limits and deductibles on every quote request and and to get quotes from as many different companies as possible. This guarantees an accurate price comparison and a complete selection of prices.

Unbelievably, the majority of drivers renewed their policy with the same company for well over three years, and approximately 40% of consumers have never even shopped around for cheap coverage. Texas insurance shoppers can save hundreds of dollars each year, but most undervalue the large savings they would see if they replace their high priced policy.

Finding cheap Arlington insurance quotes doesn't have to be difficult. Drivers just need to spend a little time to compare rate quotes provided by online insurance companies.

Doing price comparisons online is so simple that it takes the place of having to go to different Arlington agent offices. Shopping for insurance online has reduced the need for local agents unless you have a complicated situation and need the professional assistance of an agent trained in personal lines coverage. Although, it is possible get prices online and have a local agent actually service the policy.

The providers in the list below can provide free quotes in Arlington, TX. If you want cheap auto insurance in Arlington, we suggest you click on several of them in order to get a fair rate comparison.

Do you qualify for discounts?

Some providers do not list the complete list of policy discounts in a way that's easy to find, so here is a list both the well known and also the more inconspicuous credits available to bring down your rates.Discount car insurance

  • Senior Discount - If you qualify as a senior citizen, you could receive reduced rates.
  • Anti-lock Brakes - Vehicles with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
  • Renewal Discounts - A few larger companies allow discounts for buying a policy before your current coverage expires. It can save you around 10%.
  • Discounts for Good Drivers - Insureds without accidents may receive a discount up to 45% than drivers with accident claims.
  • Seat Belt Discounts - Drivers who require all occupants to buckle up before driving can save 10% or more off the personal injury premium cost.
  • Discounts for Government Workers - Employees or retirees of the government can earn a discount up to 10% with some car insurance companies.
  • New Vehicle Savings - Buying a new car instead of a used Grand Cherokee can save up to 30% compared to insuring an older model.

It's important to note that some credits don't apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you won't be that lucky.

The illustration below shows the difference between Jeep Grand Cherokee auto insurance costs with and without some available policy discounts. The costs are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, multi-policy, claim-free, and homeowner discounts applied.

Companies and some of their more popular discounts are outlined below.

  • State Farm may include discounts for safe vehicle, multiple autos, Steer Clear safe driver discount, passive restraint, defensive driving training, driver's education, and good student.
  • GEICO may have discounts that include military active duty, five-year accident-free, daytime running lights, driver training, membership and employees, multi-vehicle, and good student.
  • Liberty Mutual has discounts for exclusive group savings, preferred payment discount, new move discount, multi-policy, safety features, and newly retired.
  • The Hartford may offer discounts for good student, anti-theft, driver training, bundle, air bag, vehicle fuel type, and defensive driver.
  • MetLife offers discounts for good student, multi-policy, good driver, defensive driver, claim-free, accident-free
  • Progressive offers discounts including online quote discount, online signing, multi-vehicle, homeowner, continuous coverage, and good student.

Before purchasing a policy, check with every company which discounts can lower your rates. Some credits might not be available to policyholders in your area.

Jeep Grand Cherokee insurance coverage information

The data table displayed below showcases estimates of insurance premium costs for Jeep Grand Cherokee models. Having knowledge of how rates are formulated can benefit drivers when making decisions when shopping around.

Jeep Grand Cherokee Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $256 $504 $366 $22 $110 $1,258 $105
Grand Cherokee Laredo 4WD $256 $504 $366 $22 $110 $1,258 $105
Grand Cherokee Limited 2WD $288 $594 $366 $22 $110 $1,380 $115
Grand Cherokee Limited 4WD $288 $594 $366 $22 $110 $1,380 $115
Grand Cherokee SRT-8 4WD $288 $594 $366 $22 $110 $1,380 $115
Get Your Own Custom Quote Go

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific location information which can revise prices considerably.

Comparison of policy deductibles

One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The figures shown below help summarize the premium difference when you buy lower versus higher deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Jeep Grand Cherokee insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $328 $592 $382 $22 $114 $1,463 $122
Grand Cherokee Laredo 4WD $328 $592 $382 $22 $114 $1,463 $122
Grand Cherokee Limited 2WD $370 $698 $382 $22 $114 $1,611 $134
Grand Cherokee Limited 4WD $370 $698 $382 $22 $114 $1,611 $134
Grand Cherokee SRT-8 4WD $370 $698 $382 $22 $114 $1,611 $134
Get Your Own Custom Quote Go
Jeep Grand Cherokee insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $182 $312 $382 $22 $114 $1,012 $84
Grand Cherokee Laredo 4WD $182 $312 $382 $22 $114 $1,012 $84
Grand Cherokee Limited 2WD $206 $368 $382 $22 $114 $1,092 $91
Grand Cherokee Limited 4WD $206 $368 $382 $22 $114 $1,092 $91
Grand Cherokee SRT-8 4WD $206 $368 $382 $22 $114 $1,092 $91
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate information does not factor in garaging location in Arlington which can increase or decrease insurance rates substantially.

Based on these figures, using a $100 deductible costs an average of $41 more each month or $492 annually than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 22 months between claim filings, you would come out ahead if you choose a higher deductible. The table below shows how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $129
Average monthly premium for $1,000 deductibles (subtract): - $88
Monthly savings from raising deductible: $41
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $41
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

The chart below highlights how deductible selection and can affect Jeep Grand Cherokee insurance costs for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Careless drivers pay higher rates

The chart below shows how traffic citations and accidents can influence Jeep Grand Cherokee insurance premiums for each different age group. The costs are based on a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Components of Your Jeep Grand Cherokee Insurance Prices

When buying auto insurance it's important to understand some of the elements that go into determining the rates you pay for auto insurance. If you know what determines premiums, this allows you to make good choices that could result in cheaper rates. Multiple criteria are used in the calculation when premium rates are determined. Some are pretty understandable like an MVR report, but some are more transparent such as your marital status or your commute time.

  • More performance means more cost - The make and model of the car you need insurance for makes a big difference in your auto insurance rates. Economy passenger cars receive the most favorable rates, but the cost you end up paying is determined by many additional factors.

    The data below is based on a single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It illustrates Jeep Grand Cherokee insurance rates compared to other vehicles that have different performances.

  • Deter car thieves - Selecting a car model that has an advanced theft prevention system can get you a discount on your auto insurance. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft and help bring rates down.
  • Insurance companies don't like frequent policy claims - If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Car insurance companies in Texas award lower rates to policyholders who do not file claims often. Your car insurance is intended for claims that pose a financial burden.
  • High deductibles cost less - Deductibles for physical damage are how much you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage, aka comp and collision, is used to repair damage to your car. Some instances where coverage would apply could be a windshield broken by a bird, vandalism, and having a roll-over accident. The more expense you pay before a claim is paid (deductible), the lower your rates will be.
  • Your age impacts your premiums - Drivers with little experience are known to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates. Older insureds have been proven to be more responsible, cost insurance companies less in claims, and usually have better credit.

    The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Jeep Grand Cherokee statistical loss data - Insurers take into consideration historical loss data for every vehicle when they set coverage costs for each model. Vehicles that the data determines to have higher number or severity of losses will cost more for specific coverages. The next table illustrates the compiled insurance loss statistics for Jeep Grand Cherokee vehicles.

    For each policy coverage type, the claim probability for all vehicles averaged together is set at 100. Values that are under 100 indicate a favorable loss history, while values that are 100 or greater indicate more frequent losses or an increased likelihood of larger losses.

    Jeep Grand Cherokee Insurance Loss Statistics
    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
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years