Finding the cheapest coverage for a Jeep Grand Cherokee in California relies on a lot of factors such as annual vehicle mileage, where you live, and physical damage deductibles. Drivers pay on average $1,516 annually for Grand Cherokee insurance, but that is a projection based upon a 40-year-old single male driver with full physical damage coverage and $250 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 40 years old (or even male), possibly married instead of single, or maybe you're a renter instead of a homeowner. Auto insurance is not the same for everyone, so the only real way to find the most affordable coverage for your Jeep is to do the rate comparisons yourself.
Vehicle trim level will likely have an effect on the cost of insurance, so the price you will be charged to insure a Grand Cherokee Laredo 2WD will be $162 cheaper than the cost to insure the fancier Grand Cherokee SRT-8 4WD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$334||$662||$534||$32||$160||$1,722||$144|
|Grand Cherokee Laredo 4WD||$334||$662||$534||$32||$160||$1,722||$144|
|Grand Cherokee Limited 2WD||$378||$780||$534||$32||$160||$1,884||$157|
|Grand Cherokee Limited 4WD||$378||$780||$534||$32||$160||$1,884||$157|
|Grand Cherokee SRT-8 4WD||$378||$780||$534||$32||$160||$1,884||$157|
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in vehicle garaging location which can modify premiums greatly.
Choosing the highest-rated insurance provider can be challenging considering how many companies provide coverage in California. The information in the next section can help you analyze which companies you want to consider when comparing auto insurance rates for a Jeep Grand Cherokee.
These rankings include companies with a nationwide focus, so companies that may only write in California will not be included in the list. To get rate quotes and find cheaper insurance for a Jeep Grand Cherokee, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below highlights how deductible selection can change insurance prices when getting quotes for cheap insurance for a Jeep Grand Cherokee. The prices are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 30-year-old driver could lower their policy premium by $476 a year by changing from a $100 deductible to a $500 deductible, or save $718 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old example, could drop their prices up to $1,434 annually just by using higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have plenty of money set aside to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Why you should compare rates
Santa Ana insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Improving your credit rating, moving across town, or having an at-fault accident can cause premium changes that can cause some rates to be cheaper than before.
In addition, auto insurance companies change their prices as needed to reflect underwriting profits or losses. A period of higher than normal claims may cause high rates, while less frequent claims may cause cheaper Grand Cherokee insurance rates.
To help illustrate this point, the graph below shows rates for the cheapest car insurance in Santa Ana, CA for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. If we compare prices based on her current rating profile, USAA has the lowest car insurance rates in Santa Ana at $1,299 a year. This is $352 less than the average premium paid by California drivers of $1,651. CSAA, Century National, Wawanesa, and Nationwide also make the list of the cheapest Santa Ana, CA auto insurance companies.
Now we will pretend the driver in the first chart a couple of claims, a lower credit rating, and an imperfect driving record. Due to the fact that every insurance company has a different process to set premium rates, comparing rates may now show a new list of the cheapest Santa Ana car insurance companies as shown below.
Grange now has the cheapest car insurance in Santa Ana with Mercury, Progressive, Allied, and Allstate also being competitive. This shows why it is crucial to shop around to find the lowest insurance quotes for a Jeep Grand Cherokee. Prices are determined by many risk factors and can increase or decrease at any time, so the lowest-price company a year ago may now be priced much higher than other options.
Ideas for finding low-cost auto insurance for a Jeep Grand Cherokee
Lowering your rates is not difficult, and here are some of the recommended money-saving ideas that can help you locate low-cost coverage.
- Accidents can significantly increase rates
- Earn a discount by not filing claims
- The safer your car, the less it costs to insure
- Avoid getting citations and tickets
- Bundle home and auto and save
- Remove physical damage coverage on older vehicles
- Look for cheaper rates once a year by shopping around
The last suggestion is incredibly significant, as we noted in the prior information. Rates in Santa Ana adjust often, so don't be hesitant to change insurance companies if you can find a cheaper rate.
Many consumers stick with the same company and that's fine, but is isn't recommended if that devotion results in you overpaying a small fortune. Take a few minutes and shop around to find cheaper auto insurance for a Jeep Grand Cherokee.
If you have questions and prefer to get help from a professional when trying to find the best insurance rates for a Grand Cherokee, the agents below can answer your questions and help you decide which coverages you need.
To locate a Santa Ana auto insurance agent near you, click the button below the list.
Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999
Palmer Insurance and Income Tax
631 N Main St - Santa Ana, CA 92701 - (714) 835-0840
Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303
Insurance Partners Inc
2107 N Broadway #108 - Santa Ana, CA 92706 - (714) 285-4800
Allstate Insurance: Pacheco and Solorzano Insurance Agency
1525 17th St d - Santa Ana, CA 92705 - (714) 542-3585