Sad but true, about 70% of customers renewed their policy with the same company for four years or more, and nearly 40% of drivers have never even compared rates from other companies. Most drivers in Santa Ana could save 35% each year by just shopping around, but they just don't understand how easy it is to compare rates and save money.
It takes a little time, but the best way to find affordable quotes for Jeep Grand Cherokee insurance is to make a habit of regularly comparing prices from insurers that insure vehicles in Santa Ana.
- Read about coverages and the measures you can control to lower rates. Many factors that are responsible for high rates like high-risk driving behaviors and poor credit rating can be amended by making lifestyle changes or driving safer. Later in this article we will cover more ideas to get affordable coverage and get discounts that may be available to you.
- Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can quote prices from many different companies. Click to view companies
- Compare the new rate quotes to your existing coverage and determine if there is any savings. If you find better rates, make sure there is no lapse in coverage.
The most important part of shopping around is that you use identical coverage information on each quote request and and to get quotes from as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and a thorough selection of prices.
If you have coverage now or just want to reduce your rates, you will benefit by learning to find better prices without having to cut coverage. The intent of this article is to teach you how car insurance works and some tips to save money. Comparison shoppers just have to understand the quickest method to compare rates over the internet.
Most larger insurance companies like State Farm, GEICO and Progressive allow you to get prices for coverage on their websites. Getting online rates for Jeep Grand Cherokee insurance in Santa Ana is pretty easy as you just enter your required coverages into the quote form. Upon sending the form, their rating system makes automated requests for your driving and credit reports and returns pricing information based on these factors.
Using the web to get rates for Jeep Grand Cherokee insurance in Santa Ana helps simplify price comparisons, and it is imperative to do this if you are searching for a better rate.
To quickly find out how much you can save on insurance, consider comparing rates from the companies shown below. To compare your current rates, we recommend you duplicate the insurance coverages identical to your current policy. This makes sure you will be getting rate quotes using the exact same coverages.
The companies in the list below are ready to provide free rate quotes in Santa Ana, CA. If more than one company is shown, we suggest you get price quotes from several of them to get the best price comparison.
Facts and figures for Jeep Grand Cherokee insurance
The premium information below highlights detailed analysis of prices for Jeep Grand Cherokee models. Having a better idea how policy rates are formulated can help customers make decisions when shopping your coverage 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|
|Get Your Own Custom Quote Go|
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise price quotes significantly.
How careless driving impacts Santa Ana car insurance rates
The diagram below demonstrates how speeding tickets and at-fault accidents drive up Jeep Grand Cherokee insurance costs for different age groups. The premiums assume a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Car insurance premiums based on gender
The diagram below visualizes the comparison of Jeep Grand Cherokee car insurance costs for male and female drivers. The rates are based on no claims or driving violations, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied.
Liability only or full coverage
The chart below illustrates the difference between Jeep Grand Cherokee auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no definitive rule of when to phase out physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let's pretend your Jeep Grand Cherokee replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If you are paying more than $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some situations where buying only liability insurance is not recommended. If you haven't paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Do you qualify for discounts on Jeep Grand Cherokee insurance in Santa Ana?
Auto insurance is neither fun to buy or cheap, but companies offer discounts that you may not even know about. Many of these discounts will be applied automatically when you get a quote, but occasionally some discounts must be manually applied in order for you to get them.
- Student Discount for Driver Training - Teen drivers should enroll and complete driver's education if offered at their school.
- Theft Deterrent System - Cars optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Low Mileage Discounts - Driving fewer miles may allow you to get better premium rates on cars that stay parked.
- Claim-Free Discount - Drivers who don't have accidents pay less when compared to insureds who have frequent claims or accidents.
- Seat Belt Discounts - Drivers who require all occupants to use a seat belt can save up to 15% off PIP or medical payments premium.
- Good Grades Discount - Excelling in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Consumers should know that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. Even though it appears you could get a free auto insurance policy, nobody gets a free ride.
The illustration below visualizes the comparison of Jeep Grand Cherokee insurance prices with and without some available policy discounts. The data assumes a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, homeowner, claim-free, and safe-driver discounts applied.
For a list of insurance companies with the best discounts in Santa Ana, click here.
Car insurance is not optional
Even though it can be expensive, paying for car insurance is most likely required but also gives you several important benefits.
First, almost all states have mandatory liability insurance requirements which means state laws require specific limits of liability coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your car has a loan, it's most likely the lender will stipulate that you have comprehensive coverage to guarantee loan repayment. If you default on your policy, the bank will be required to insure your Jeep at a more expensive rate and force you to pay a much higher amount than you were paying before.
Third, insurance protects both your car and your personal assets. Insurance will also pay for medical bills incurred in an accident. As part of your policy, liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If you have damage to your Jeep as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance definitely exceed the price paid, especially with large liability claims. An average driver in America overpays as much as $865 each year so smart consumers compare quotes at least once a year to save money.
Do I need an agent?
Many people prefer to go talk to an agent and that is just fine! Agents can help you choose the best coverages and help file insurance claims. An additional benefit of comparing rates online is the fact that drivers can get lower prices but also keep your business local.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is emailed to local insurance agents in Santa Ana who will return price quotes for your insurance coverage. It makes it easy because there is no need to contact any agents because quoted prices will be sent to the email address you provide. In the event you want to quote rates from a particular provider, you would need to visit that company's website and submit a quote form there.
Choosing the best provider is decision based upon more than just the premium amount. Any agent in Santa Ana should have no problem answering these questions:
- Do you qualify for any additional discounts?
- Can you get a list of referrals?
- What insurance companies do they work with in Santa Ana?
- Is working in the agency their full-time job?
- Will high miles depreciate repair valuations?
- Do you work with a CSR or direct with the agent?
- Where would glass claims be handled in Santa Ana?
If you need to find local Santa Ana agents, there are a couple of types of insurance agents and how they are distinctly different. Agents can be classified as either independent agents or exclusive agents depending on their employer. Both can sell insurance policies, but it is important to understand how they are different because it can influence your agent selection.
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company's rates and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare other company's rates so they have to upsell other benefits. They are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates. Consumers frequently buy from exclusive agents partially due to the brand and strong financial ratings.
Listed below is a short list of exclusive agencies in Santa Ana that can give you price quote information.
- Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map
- Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map
- Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map
Independent Insurance Agencies
These agents do not work for one specific company so they have the ability to put coverage with many different companies and get you the best rates possible. If you are not satisfied with one company, the business is moved internally and you don't have to find a new agent. When comparing insurance rates, you need to get several quotes from a few independent agents so that you have a good selection of quotes to compare. Most independent agents also contract with smaller companies which may have better rates.
Shown below are independent agencies in Santa Ana who can help you get price quote information.
- First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850 - View Map
- Sureguard Insurance Agency Inc
555 Park Center Dr #118 - Santa Ana, CA 92705 - (714) 464-8010 - View Map
- AutoCoast Insurance Agency
912 N Harbor Blvd - Santa Ana, CA 92703 - (714) 956-3100 - View Map