Best Ways to Save on Los Angeles Jeep Grand Cherokee Insurance

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Insurance quote for Jeep Grand Cherokee in Los AngelesHow many times have you said it's time to compare cheaper car insurance rates in Los Angeles, CA? Los Angeles shoppers have options when shopping for low-cost Jeep Grand Cherokee insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to compare rates.

There are more efficient ways to buy car insurance and we'll show you the best way to price shop coverage on a Jeep and get the best price possible from both online companies and Los Angeles agents.

Our goal is to help you learn the best ways to compare prices and some money-saving tips. If you have a current insurance policy, you will most likely be able to reduce premiums using the tips covered below. Vehicle owners only have to learn the most efficient way to get comparison rates online.

Getting cheaper Jeep Grand Cherokee car insurance pricing is actually easier than you may think. Consumers just need to invest a little time comparing price quotes to see which company has cheaper Los Angeles auto insurance quotes.

The companies shown below offer price quotes in California. If multiple companies are shown, we suggest you visit several of them in order to find the lowest rates.

Don't neglect these price cutting discounts

Car insurance can be pricey, but there may be some discounts that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but some need to be asked for before being credited.Discount car insurance

  • Senior Citizens - If you're over the age of 55, you are able to get a small decrease in premiums.
  • Good Student Discount - Getting good grades could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Seat Belts Save - Forcing all vehicle occupants to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Data Collection Discounts - People who choose to allow driving data collection to track driving habits remotely such as Progressive's Snapshot and State Farm's In-Drive might get better premium rates as long as the data is positive.
  • Professional Organizations - Belonging to a civic or occupational organization in Los Angeles may earn a discount on your policy.
  • Active Military Service - Being on active deployment in the military may lower your prices slightly.
  • Buy New and Save - Buying a new car model is cheaper compared to insuring an older model.

Don't be surprised that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride.

The information below visualizes the comparison of Jeep Grand Cherokee car insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, safe-driver, multi-car, and claim-free discounts applied.

The best car insurance companies and a summarized list of policyholder discounts can be read below.

  • GEICO includes discounts for good student, multi-vehicle, military active duty, anti-lock brakes, air bags, and anti-theft.
  • Mercury Insurance has savings for good driver, accident-free, annual mileage, multi-policy, good student, professional/association, and multi-car.
  • Farmers Insurance has discounts for teen driver, homeowner, electronic funds transfer, multi-car, mature driver, pay in full, and good student.
  • Auto-Owners Insurance may offer discounts for multi-policy, company car, student away at school, air bags, and multiple vehicles.
  • Liberty Mutual policyholders can earn discounts including safety features, hybrid vehicle, new vehicle discount, new move discount, and new graduate.
  • SAFECO offers discounts for teen safety rewards, teen safe driver, multi-car, safe driver, bundle discounts, anti-lock brakes, and drive less.
  • Progressive may include discounts for online signing, good student, homeowner, online quote discount, multi-policy, and continuous coverage.
  • USAA offers discounts including multi-policy, military installation, loyalty savings, annual mileage, and driver training.

Before buying, ask every company to give you their best rates. Some discounts might not apply everywhere. If you would like to choose from a list of car insurance companies that offer the discounts shown above in California, click here.

Rates and information analytics

The rate table shown below showcases estimates of insurance premium costs for Jeep Grand Cherokee models. Having a good grasp of how auto insurance premiums are established is important for making decisions when choosing a new policy provider.

Jeep Grand Cherokee Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $278 $464 $442 $26 $132 $1,342 $112
Grand Cherokee Laredo 4WD $278 $464 $442 $26 $132 $1,342 $112
Grand Cherokee Limited 2WD $314 $546 $442 $26 $132 $1,460 $122
Grand Cherokee Limited 4WD $314 $546 $442 $26 $132 $1,460 $122
Grand Cherokee SRT-8 4WD $314 $546 $442 $26 $132 $1,460 $122
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in specific garaging location which can alter premiums substantially.

Raise deductibles and save

When comparing insurance rates, the most common question is how high should the physical damage coverage deductibles be. The tables below can help illustrate the premium difference between high and low policy deductibles. The first rate table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Jeep Grand Cherokee insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $342 $576 $442 $26 $132 $1,543 $129
Grand Cherokee Laredo 4WD $342 $576 $442 $26 $132 $1,543 $129
Grand Cherokee Limited 2WD $386 $678 $442 $26 $132 $1,689 $141
Grand Cherokee Limited 4WD $386 $678 $442 $26 $132 $1,689 $141
Grand Cherokee SRT-8 4WD $386 $678 $442 $26 $132 $1,689 $141
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Jeep Grand Cherokee insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $278 $464 $442 $26 $132 $1,342 $112
Grand Cherokee Laredo 4WD $278 $464 $442 $26 $132 $1,342 $112
Grand Cherokee Limited 2WD $314 $546 $442 $26 $132 $1,460 $122
Grand Cherokee Limited 4WD $314 $546 $442 $26 $132 $1,460 $122
Grand Cherokee SRT-8 4WD $314 $546 $442 $26 $132 $1,460 $122
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in Los Angeles location which can change prices significantly.

Based on the figures above, using a $250 deductible costs roughly $18 more each month or $216 every year across all Jeep Grand Cherokee models than opting for the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 14 months between claim filings, you would probably be better off by going with a higher deductible. Here is the way this determination is made.

Average monthly premium for $250 deductibles: $136
Average monthly premium for $500 deductibles (subtract): - $118
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One big caveat is that raising deductibles to save money means you will have to pay more when you have a physical damage claim. You need to have enough money in the bank in the event you need to pay more to get your vehicle repaired.

How accidents and tickets impact rates

The illustration below shows how traffic citations and accident claims influence Jeep Grand Cherokee car insurance rates for different ages of insureds. The premium estimates are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.

The Jeep Grand Cherokee Insurance Rate Equation

Lots of things are considered when premium rates are determined. Some factors are common sense such as traffic violations, although some other factors are more transparent like your vehicle usage or your commute time.

The following are some of the most rate-impacting factors used by your company to calculate your premiums.

  • Prevent coverage lapses - Not maintaining insurance can get you a ticket and auto insurance companies will penalize you for letting your insurance lapse. Not only will you pay higher rates, not being able to provide proof of insurance can result in a license revocation or jail time.
  • Safer vehicles save money - Safe vehicles get lower rates. Vehicles built for safety reduce occupant injuries and lower injury rates translates directly to fewer claims and lower rates for you. If your Jeep earned at least four stars on you may qualify for a discount.
  • How many coverages with the same company - The majority of companies will give a discount to policyholders that purchase more than one policy. It's known as a multi-policy discount. Even if you qualify for this discount already, you still need to get quotes from other companies to ensure the best deal.
  • More performance means more cost - The performance level of the car or truck you need insurance for makes a huge difference in the rate you pay. The cheapest rates will normally be found when insuring smaller low performance passenger vehicles, but that's not the only thing that factors into the final price.

    The next chart assumes a married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Jeep Grand Cherokee insurance rates compared to other models of vehicles that have different risk factors.

  • Job and insurance prices - Jobs such as doctors, airline pilots, and stock brokers tend to pay higher average rates in part from high stress levels and long work days. On the other hand, jobs like scientists, students and performers pay the least.
  • Women tend to cost less - Over the last 30 years, statistics show that women are safer drivers than men. That doesn't necessarily mean that women are better drivers. Females and males tend to get into accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like reckless driving and DUI. Young men ages 16 to 20 cause the most accidents and therefore have the most expensive auto insurance rates.

    The chart below compares Jeep Grand Cherokee insurance rates for male and female drivers. Data assumes no claims or driving violations, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.

  • Jeep Grand Cherokee claim statistics - Insurers study historical loss data when they set coverage costs for each model. Models that the data determines to have a higher amount or frequency of claims will have a higher cost to insure. The data below shows the historical loss data for Jeep Grand Cherokee vehicles.

    For each policy coverage type, the loss probability for all vehicles compiled together is equal to 100. Values that are under 100 indicate a favorable loss history, while percentage values above 100 indicate more frequent claims or a tendency for claims to be larger.

    Insurance Loss Ratings for Jeep Grand Cherokee Vehicles
    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

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

Local Los Angeles car insurance agents

Some consumers prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Agents are trained to spot inefficiencies and help you file claims. An additional benefit of comparing insurance prices online is you can get the best rates and still choose a local agent. And supporting neighborhood agents is important particularly in Los Angeles.

Los Angeles insurance agentsAfter completing this form (opens in new window), the coverage information is immediately sent to local insurance agents in Los Angeles who will give you quotes for your insurance coverage. It's much easier because you don't need to even leave your home because quoted prices will be sent to you directly. If you need to get a comparison quote from a specific insurance company, you would need to search and find their rate quote page and fill out the quote form the provide.

When searching for a good insurance agency, there are two different agency structures and how they are distinctly different. Insurance policy providers are classified as either independent agents or exclusive agents depending on their employer. Either can provide insurance policies, but it's important to know the difference between them since it can affect the type of agent you choose.

Independent Agents (or Brokers)

Independent agencies often have affiliation with several companies and that enables them to quote your coverage with an assortment of companies and help determine which has the cheapest rates. If they find a lower price, your agent can just switch to a different company and you don't have to switch agencies.

When comparing insurance prices, it's recommended you get several quotes from several independent agencies for the best price selection. Most can insure with small mutual carriers which may provide better rates.

Shown below is a small list of independent insurance agents in Los Angeles that may be able to give free rate quotes.

More Los Angeles agents

Exclusive Insurance Agents

Agents that elect to be exclusive can only quote rates from one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. Exclusive agents are usually quite knowledgeable in insurance sales which helps offset the inability to provide other markets. A lot of people buy from the same agent for years partially due to loyalty to the company rather than having low rates.

Below is a short list of exclusive insurance agencies in Los Angeles that are able to give rate quotes.

More Los Angeles agents

Deciding on an insurance agency is decision based upon more than just the price. Here are some questions to ask:

  • Do they have designations such as AIC, CPCU, or CIC?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Which companies can they place coverage with?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Where are claims handled?

Upon getting good responses to your questions and an acceptable price quote, most likely you have located an insurance agency that will properly service your insurance policy.

Quote more and you will save more

Drivers who switch companies do it for many reasons like high prices, policy non-renewal, an unsatisfactory settlement offer and even unfair underwriting practices. It doesn't matter why you want to switch switching insurance companies is not as hard as you think.

When getting Los Angeles auto insurance quotes online, it's very important that you do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped comprehensive coverage or liability limits and learned later they didn't purchase enough coverage. The goal is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

In this article, we covered some good ideas how you can shop for Jeep Grand Cherokee insurance online. The key thing to remember is the more companies you get prices for, the better your comparison will be. You may even discover the biggest savings come from the smaller companies.

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