How many times have you put off comparing quotes for the cheapest Jeep Grand Cherokee insurance in Sacramento? Buying cheap Sacramento Jeep Grand Cherokee insurance quotes can seem to be intimidating for vehicle owners who are new to online price comparisons. With so many online companies available, how can Sacramento drivers even start to compare every company to locate the lowest price?
We don’t have to point out that fact that car insurance companies don’t want you to look for cheaper rates. Drivers who compare rates annually are highly likely to buy a new policy because there is a good probability of finding a more affordable policy premium. Surprisingly, a recent survey revealed that people who compared rates once a year saved on average $70 a month as compared to drivers who never shopped for cheaper rates.
If finding budget-friendly car insurance is your intention, then learning a little about how to find and compare coverages can make it easier to shop your coverage around.
The majority of larger companies like Progressive, GEICO, Allstate and State Farm give prices for coverage on the web. Comparing Jeep Grand Cherokee insurance rates online is pretty painless because it’s just a matter of typing in your required coverages on the page. Behind the scenes, their system pulls your driving and credit reports and provides a quote based on these and other factors.
This simplifies rate comparisons, and it’s absolutely necessary to perform this step in order to get the lowest payment possible.
To quickly find out what other companies charge, compare rates now from the companies shown below. If you have a policy now, it’s recommended you copy deductibles and limits as shown on your current policy. This ensures you’re receiving a price comparison based on identical coverages.
The providers in the list below provide comparison quotes in Sacramento, CA. If you want the cheapest auto insurance in Sacramento, we recommend you visit two to three different companies to get the best price comparison.
Get lower-cost Jeep Grand Cherokee insurance in Sacramento with discounts
Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Some of these discounts will be visible at the time of quoting, but some need to be requested specifically in order for you to get them.
- Switch and Save Discount – Some insurance companies reward drivers for switching to them prior to the expiration date on your current Grand Cherokee insurance policy. It could save around 10% when you buy Sacramento auto insurance online.
- Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
- Cautious Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
- Defensive Driver Discount – Participating in a defensive driver course is a good idea and can lower rates depending on where you live.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But any discount should help reduce your premiums.
The chart below illustrates the comparison of Jeep Grand Cherokee insurance premiums with and without discounts applied to the policy premium. The price estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, safe-driver, and multi-car discounts applied.
If you would like to view companies with discount car insurance rates in Sacramento, click here to view.
Jeep Grand Cherokee insurance statistics and information
The coverage table below showcases estimates of insurance prices for Jeep Grand Cherokee models. Being able to understand how rates are determined is important for drivers to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $238 | $478 | $500 | $30 | $150 | $1,396 | $116 |
| Grand Cherokee Laredo 4WD | $238 | $478 | $500 | $30 | $150 | $1,396 | $116 |
| Grand Cherokee Limited 2WD | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| Grand Cherokee Limited 4WD | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| Grand Cherokee SRT-8 4WD | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in garaging location in Sacramento which can modify price quotes noticeably.
How careless driving impacts insurance rates
The illustration below demonstrates how citations and at-fault accidents raise Jeep Grand Cherokee yearly insurance costs for different age groups. The premiums are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.
Comparison of full coverage and liability-only policies
The chart below illustrates the comparison of Jeep Grand Cherokee insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no claims, a clean driving record, $500 deductibles, single status, and no discounts are applied.
When to stop paying for full coverage
There isn’t a written rule for eliminating full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your Jeep Grand Cherokee replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after you pay the deductible. If you are paying more than $700 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should maintain full coverage.