Finding affordable insurance for a Jeep Grand Cherokee doesn’t take a lot of effort, but it depends on a lot of rating factors such as annual vehicle mileage, your residence address, and violations on your driving record. California drivers will pay on average $1,513 each year for Grand Cherokee insurance, but that is an approximation calculated based on a 50-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
There’s a good chance you’re not a 50-year-old male, possibly married instead of single, and you might want liability-only or different deductibles. Having what appears to be a very minor change in the rating criteria used to formulate rates could end up with a large change in the policy rate.
Every driver’s needs are different, and that is why the only way to find the cheapest coverage for your Jeep is to just compare rates yourself.
The trim level of your Grand Cherokee impacts the yearly cost, so the price to insure a Grand Cherokee Laredo 2WD trim level will be $170 less than the cost to insure the more expensive Grand Cherokee SRT-8 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$326||$708||$500||$30||$150||$1,714||$143|
|Grand Cherokee Laredo 4WD||$326||$708||$500||$30||$150||$1,714||$143|
|Grand Cherokee Limited 2WD||$370||$834||$500||$30||$150||$1,884||$157|
|Grand Cherokee Limited 4WD||$370||$834||$500||$30||$150||$1,884||$157|
|Grand Cherokee SRT-8 4WD||$370||$834||$500||$30||$150||$1,884||$157|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in specific San Francisco garaging location which can modify auto insurance rates substantially.
Insuring your vehicle with a high-quality auto insurance company can be challenging considering how many companies there are in California. The rank data in the next section could help you select which insurers to look at when comparing rates. The rankings below include large, nationwide insurance companies, so companies that may only write in California will not be included in the list.
Top 10 Large Car Insurance Companies in San Francisco Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Car Insurance Companies Overall in San Francisco
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
The example below illustrates how choosing a deductible can impact insurance rates when researching cheap insurance for a Jeep Grand Cherokee. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could lower their policy premium by $476 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $718 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, could lower their rates as much as $1,434 or even more just by choosing larger deductibles.
If you make the decision to raise deductibles, it is necessary to have plenty of money set aside to offset the extra out-of-pocket expense that comes with higher deductibles.
Shop around and save
San Francisco, CA car insurance rates are impacted by many things which can substantially change the price of your policy. Turning one year older, buying a different vehicle, or getting a couple of tickets can trigger changes in premium that can cause some rates to be cheaper than before.
And not only may your rating factors change, but car insurance companies amend premium rates multiple times each year in order to offset underwriting gains or losses. Larger than normal claims can result in higher priced premiums, while better underwriting may produce cheaper Grand Cherokee insurance rates.
The data below shows the cheapest car insurance in San Francisco, CA for a 30-year-old female driver with a clean driving record, no accidents, and a good credit rating. If we estimate rates based on her current risk factors, Wawanesa might quote the lowest car insurance rates in San Francisco at $1,525 per year. This is $126 less than the average premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are also included in the most affordable San Francisco, CA auto insurance companies.
The chart below compares rates after we give the driver from the above example some claims, bad credit, and a stop sign violation. Due to the fact that every auto insurer has a proprietary formula to determine rates, comparing rates most likely will result in a different list of the cheapest San Francisco car insurance companies as shown below.
Grange now has the lowest car insurance rate in San Francisco with Progressive, Allstate, Mercury, and USAA completing the list. This shows why it is crucial to perform a complete rate comparison to find the cheapest car insurance rates for a Jeep Grand Cherokee. Prices can be altered by many factors and change frequently, so the most economical company when you last compared rates may now be priced much higher than other options.
Ideas for finding more affordable auto insurance for a Jeep Grand Cherokee
It is possible to find better rates, and here are some of the recommended thrifty suggestions that can help drivers get low-cost coverage.
- Don’t waste money on full coverage for older vehicles
- Violations like speeding or DUI increase rates
- Raise comprehensive and collision coverage deductibles
- At-fault accidents will increase rates
- If possible, pay for small claims out-of-pocket
- Compare prices frequently to find the best deal
That final tip is notably critical, as was noted in the prior article. Car insurance rates can change in a short period of time, so don’t be unwilling to buy from a different company if you can save money. Loyalty to a specific company is fine, but it’s not a good idea if that loyalty results in overpaying potentially thousands of dollars a year. It takes less than five minutes to shop around to find cheaper car insurance for a Jeep Grand Cherokee in San Francisco.
The insurance agencies below are a good start to aid you in deciding which car insurance policy is best, as some people prefer to have the advice of a professional agent when trying to find the best insurance rates for a Jeep Grand Cherokee. It can be difficult to find the cheapest auto insurance company, and professional agents can give peace of mind knowing your coverage gives you decent coverage if you have a claim.
To find a San Francisco insurance agent closest to you, click the button below the list or click here to compare price quotes.
Kiet Nguyen – State Farm Insurance Agent
4198 Mission St – San Francisco, CA 94112 – (415) 587-1880
Jessica Liu Insurance Services
3428 Balboa St – San Francisco, CA 94121 – (415) 386-2283
Lynn Petrie Lange – State Farm Insurance Agent
3717 Buchanan St #100 – San Francisco, CA 94123 – (415) 923-0192
Wilson Chan – State Farm Insurance Agent
25 Division St #200 – San Francisco, CA 94103 – (415) 593-8802