Best Quotes for Jeep Grand Cherokee Insurance in San Francisco

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It's an obvious statement that auto insurance companies want to keep you from comparing rates. People who shop around at least once a year are highly likely to buy a different policy because there is a significant possibility of finding a policy with better rates. A recent insurance study revealed that drivers who shopped around saved $850 each year as compared to drivers who never shopped for cheaper rates.

If finding the lowest price on Jeep Grand Cherokee insurance is why you're here, then knowing how to find and compare auto insurance can help you be more efficient.

Insurance quote for Jeep Grand Cherokee in San FranciscoIt takes a little time, but the best way to find affordable quotes for Jeep Grand Cherokee insurance is to compare prices at least once a year from providers who provide auto insurance in San Francisco.

  1. Try to comprehend how companies price auto insurance and the things you can change to keep rates low. Many rating criteria that cause rate increases like accidents, traffic tickets, and a substandard credit history can be improved by making minor driving habit or lifestyle changes. Continue reading for more information to get cheaper coverage and find additional discounts.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while independent agents can provide rate quotes from multiple insurance companies.
  3. Compare the quotes to your existing coverage and see if there is a cheaper rate. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Tell your current company of your decision to cancel the current policy. Submit the required down payment along with the signed application to the newly selected company. Immediately put the new certificate verifying coverage in your glove compartment.

One tip to remember is that you'll want to compare similar deductibles and liability limits on every quote request and and to get price quotes from as many carriers as you can. Doing this helps ensure the most accurate price comparison and the most accurate and complete price analysis.

The companies in the list below provide comparison quotes in San Francisco, CA. If the list has multiple companies, we recommend you visit two to three different companies to get the most affordable price.

Rates and other information

The coverage table displayed next showcases different insurance rates for Jeep Grand Cherokee models. Having a good understanding how insurance policy rates are established can help drivers make smart choices when selecting a policy.

Jeep Grand Cherokee Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $214 $386 $416 $24 $124 $1,164 $97
Grand Cherokee Laredo 4WD $214 $386 $416 $24 $124 $1,164 $97
Grand Cherokee Limited 2WD $242 $454 $416 $24 $124 $1,260 $105
Grand Cherokee Limited 4WD $242 $454 $416 $24 $124 $1,260 $105
Grand Cherokee SRT-8 4WD $242 $454 $416 $24 $124 $1,260 $105
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in garaging location in San Francisco which can alter rates substantially.

Physical damage deductibles

When buying car insurance, a common question is how high should your deductibles be. The figures shown below determine the premium difference when you choose different policy deductibles. The first pricing table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.

Jeep Grand Cherokee insurance prices 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 prices 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 homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in vehicle location which can change premiums greatly.

We can derive from the above data that using a $250 deductible will cost you roughly $18 more each month or $216 a year averaged for all Grand Cherokee models than quoting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 14 months between claim filings, you would probably come out ahead by going with a higher deductible.

How to calculate if higher deductibles make sense

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 important issue to know is that higher deductibles results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. That will force you to have enough money stashed away in order to pay the deductible to have repairs made.

The example below demonstrates how deductible levels and can raise or lower Jeep Grand Cherokee annual premium costs for each age group. The rates are based on a single male driver, comp and collision included, and no other discounts are factored in.

Insuring your Grand Cherokee just makes sense

Even though it can be expensive, insurance is not optional due to several reasons.

  • Most states have minimum liability requirements which means you are required to buy specific limits of liability insurance if you don't want to risk a ticket. 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.
  • If you have a lien on your Jeep, almost all lenders will require you to buy insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Jeep at a significantly higher premium and require you to fork over the higher price.
  • Insurance preserves not only your Jeep Grand Cherokee but also your financial assets. It will also pay for medical bills that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If your Jeep gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance definitely exceed the price paid, particularly when you have a large claim. The average driver in America is overpaying more than $865 each year so you should quote rates once a year at a minimum to help ensure money is not being wasted.

Why Your Insurance Costs might be higher

Many things are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving record, but some are not as apparent such as your credit history or how safe your car is.

Accidents cost more than a fine - Drivers who don't get tickets get better rates than bad drivers. Even one chargeable violation may increase your cost by twenty percent. People who have flagrant violations like reckless driving, hit and run or driving under the influence may find that they have to to maintain a SR-22 with their state DMV in order to continue driving.

The diagram below demonstrates how citations and at-fault accidents can affect Jeep Grand Cherokee yearly insurance costs for different age groups. The prices are based on a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

The type of car makes a difference - The performance level of the car you are trying to find cheaper insurance for makes a huge difference in your rates. The lowest rates are usually for small economy passenger cars, but many other things help determine your insurance rates.

The following data is based on a married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It compares Jeep Grand Cherokee insurance premiums compared to other models that have a range of performance rating factors.

Liability limits should be high - Liability insurance provides coverage if ever you are found to be at fault for personal injury or accident damage. Your liability coverage provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.

Allowing your policy to lapse raises rates - Having a gap between insurance policy dates is a fast way to increase your renewal premiums. In addition to paying higher premiums, the inability to provide proof of insurance could earn you a revoked license or a big fine.

Your occupation can affect rates - Did you know that where you work can have an impact on rates? Careers like real estate brokers, police officers, and dentists usually pay the highest rates because of stressful work requirements and lots of time spent away from family. Other occupations such as professors, athletes and homemakers have the lowest average rates.

Gals tend to cost less - Statistics show that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men are in fender benders at about the same rate, but guys have costlier accidents. Men also get ticketed for serious violations such as reckless driving.

The chart below shows the difference between Jeep Grand Cherokee premium costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are single, and no policy discounts are applied.

Youthful drivers cost more - Youthful drivers in California have a tendency to be less responsible when driving therefore insurance rates are much higher. Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets.

The following chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Too many claims drive up insurance rates - Car insurance companies in California generally give lower rates to policyholders who do not file claims often. If you are the type of insured that files lots of claims you can pretty much guarantee higher rates. Insurance coverage is designed for major claims that would cause financial hardship.

Jeep Grand Cherokee insurance loss statistics - Auto insurance companies use past loss statistics for each vehicle in order to profitably underwrite each model. Models that tend to have a trend towards higher claim severity or frequency will have a higher cost to insure.

The table below shows the compiled insurance loss statistics for Jeep Grand Cherokee vehicles. For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, is equal to 100. Values that are below 100 represent a good loss history, while percentage numbers above 100 indicate higher probability of having a loss or larger claims.

Auto Insurance Loss Data for Jeep Grand Cherokee Models
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
BETTER
AVERAGE
WORSE

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Situations that may require an agent's advice

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is a little different.Safe vehicles cost less to insure

For instance, these questions can aid in determining whether your personal situation might need professional guidance.

  • How high should deductibles be on a Jeep Grand Cherokee?
  • When should I buy a commercial auto policy?
  • Is a new car covered when I drive it off the dealer lot?
  • At what point should I drop full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is an adequate liability insurance limit?
  • Does my policy cover my teen driver if they drive my company car?

If you don't know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It's fast, free and can provide invaluable advice.

Cheaper insurance rates are possible

People change insurance companies for any number of reasons including high prices, lack of trust in their agent, not issuing a premium refund and being labeled a high risk driver. Whatever your reason, finding a new company is easier than you think.

Discount Jeep Grand Cherokee insurance in San Francisco can be purchased on the web as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer online quoting and many times these smaller providers prefer to sell through independent agents.

When you buy San Francisco car insurance online, you should never reduce coverage to reduce premium. There are many occasions where someone sacrificed full coverage and learned later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best cost while still protecting your assets.

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