Best Ways to Save on Los Angeles Jeep Grand Cherokee Insurance

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

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.

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.

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:

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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