Finding the best cheap car insurance for a Jeep Grand Cherokee in Texas hinges on a large number of rating criteria such as the age of the Grand Cherokee, if you have recent claims, and the level of deductible you choose. Drivers will pay around $1,044 annually for Grand Cherokee insurance, but that cost is an estimation calculated using a 40-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you may not be 40 years old (or even female), married instead of single, or maybe you just want liability only. Just a very minor change in rating criteria or coverage limits can result in a big discrepancy in the price of coverage.
Not everyone needs the same coverages, so the only way to find the most affordable coverage for your Jeep is to do a thorough rate comparison.
Your vehicle’s trim level will likely have an effect on price, so the rate you will pay to insure a Grand Cherokee Laredo 2WD trim level will be $88 less than the insurance cost for the more well-appointed Grand Cherokee SRT-8 4WD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$174||$352||$496||$30||$148||$1,200||$100|
|Grand Cherokee Laredo 4WD||$174||$352||$496||$30||$148||$1,200||$100|
|Grand Cherokee Limited 2WD||$198||$416||$496||$30||$148||$1,288||$107|
|Grand Cherokee Limited 4WD||$198||$416||$496||$30||$148||$1,288||$107|
|Grand Cherokee SRT-8 4WD||$198||$416||$496||$30||$148||$1,288||$107|
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can impact coverage rates noticeably.
Shopping around for low-priced car insurance is not the easiest thing to accomplish, and figuring out which company quotes the cheapest auto insurance rates for a Jeep Grand Cherokee takes even more diligence. Every insurance provider uses their own formula for setting prices, so we’ll go over the auto insurance companies with the most affordable rates in Arlington.
It’s important to know that Arlington, TX auto insurance rates are impacted by many things that may substantially change the price of coverage. Price variation is why it is important to perform an extensive rate comparison to get the cheapest auto insurance rates for a Jeep Grand Cherokee. Insurance rates are influenced by many different factors and can increase or decrease at any time, so the most affordable company three years ago may now be an over-priced policy.
Best Insurance Companies for Your Jeep
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
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Travelers quotes some of the most affordable car insurance rates in Arlington at around $1,021 a year. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the more affordable Arlington, TX car insurance companies.
In this example, if you are a customer of USAA and switched to Travelers, you might realize an annual savings of in the vicinity of $74. Policyholders with Texas Farm Bureau may save as much as $214 a year, and Germania Mutual insureds might reduce prices by as much as $273 a year.
Understand that those prices are averages for all insureds and vehicles and and are not calculated with a specific zip code for a Jeep Grand Cherokee. So the auto insurance company that has the cheapest price for you may not even be in the list above. That points out the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.
How to get discounts on Arlington auto insurance rates
Auto insurance companies that offer coverage for a Jeep Grand Cherokee may additionally offer premium discounts that could lower prices by as much as 40% or more if you are eligible to receive them. Popular auto insurance companies and a selection of discounts can be found below.
- GEICO may include discounts for anti-theft, defensive driver, military active duty, membership and employees, federal employee, and multi-vehicle.
- Auto-Owners Insurance policyholders can earn discounts including multi-policy, mature driver, good student, teen driver, paperless, anti-lock brakes, and air bags.
- American Family has savings for Steer into Savings, TimeAway discount, early bird, defensive driver, and bundled insurance.
- Esurance may offer discounts for claim free, online shopper, multi-car, online quote, homeowner, and anti-lock brakes.
- Progressive includes discounts for homeowner, multi-vehicle, continuous coverage, multi-policy, online quote discount, good student, and online signing.
- State Farm may have discounts that include defensive driving training, good driver, safe vehicle, good student, and Drive Safe & Save.
- AAA discounts include education and occupation, multi-car, anti-theft, good student, AAA membership discount, and good driver.
The information below compares insurance premiums with and without discounts applied to the premium. Data assumes a female driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, passive restraint, safe-driver, claim-free, anti-theft, and vehicle safety discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for a Jeep Grand Cherokee is 28% or $505.
The illustration below demonstrates how choosing different deductibles can impact insurance costs when searching for cheap insurance for a Jeep Grand Cherokee. The premiums assume a married female driver, comprehensive and collision coverage, and no discounts are applied.
In the chart above, a 50-year-old driver could pocket $362 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $546 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old example, have the ability to save $900 or more just by using higher deductibles.
When using a larger deductible, it will be required to have plenty of money set aside to offset the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find budget-friendly insurance for a Jeep Grand Cherokee
It is possible to find better rates, and here are many penny-pinching suggestions that can help Arlington drivers find cheap coverage.
- Bundle home and auto and earn a discount
- Safer vehicles generally have cheaper insurance rates
- Claim-free policyholders usually earn a discount
- Speeding tickets and other violations increase rates
- Do not pay for full coverage on older vehicles
- Prevent price hikes by avoiding at-fault accidents
- Comparison shop at least every other year
The last idea is remarkably vital, as we noted in the prior information. Car insurance prices can be changed at any time, so drivers shouldn’t hesitate to buy from a different company if a lower price can be found.
Staying with the same car insurance company is fine, but it’s not a good idea if that dedication is costing major coinage every year. It only take a few minutes to shop around to find cheaper insurance for a Jeep Grand Cherokee in Arlington.
The agents shown below are willing to help you decide which car insurance company is the best fit, as some people have coverage questions and would like to have a little guidance when shopping around for cheaper insurance for a Grand Cherokee. It can be difficult to do it yourself, so getting advice from a licensed Texas insurance agent can provide you comfort knowing your coverage gives you enough coverage when you need it.
To locate an Arlington car insurance agency using an interactive map, click the button link following the list.
- Jane Koch Oellermann – State Farm Insurance Agent
2255 W Green Oaks Blvd – Arlington, TX 76013 – (817) 457-9933
- Nationwide Insurance: Abdiel Benjamin Arellano Agency
420 E Lamar Blvd Ste 204 – Arlington, TX 76011 – (817) 345-6000
- Allstate Insurance: Michael Puzzuole
2175 W Green Oaks Blvd – Arlington, TX 76013 – (817) 446-1522
- Randy McCoy – State Farm Insurance Agent
1730 W Randol Mill Rd #160 – Arlington, TX 76012 – (817) 274-1324
- Low Rate Insurance Agency
1900 E Abram St – Arlington, TX 76010 – (817) 635-0375