Finding the cheapest coverage for a Jeep Grand Cherokee can be pretty simple, but it depends on a whole bunch of factors such as whether you use your Grand Cherokee for business use, your residence address, and citations or violations on your driving record. California drivers pay on average $1,459 each year for Grand Cherokee insurance, but that figure is an approximation based upon a 30-year-old married female driver with full coverage and $100 deductibles.
But there is a good chance that you may not be 30 years old (or even female), you might be single instead of married, or maybe you prefer to not insure for full coverage. Just a slight change in rating factors or requested coverage amount can make a big difference in the cost of insurance for a Jeep Grand Cherokee.
Every driver’s needs are different, and that is why the best method for finding affordable rates for your Jeep is to put in the effort to do a thorough rate comparison. In less than five minutes you can get rates from top-rated companies that offer coverage in California.
The specific model of Grand Cherokee impacts the cost of insurance, so the rate you will pay to insure a Grand Cherokee Laredo 2WD will be $168 less than the price to insure the high end 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 | $368 | $672 | $450 | $26 | $134 | $1,650 | $138 |
| Grand Cherokee Laredo 4WD | $368 | $672 | $450 | $26 | $134 | $1,650 | $138 |
| Grand Cherokee Limited 2WD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
| Grand Cherokee Limited 4WD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
| Grand Cherokee SRT-8 4WD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific location information which can lower or raise price quotes considerably.
Ending up with the right auto insurance provider can be difficult considering how many companies there are in Long Beach. The company ratings displayed below may help you decide which auto insurance companies you want to consider when comparing auto insurance rates for a Jeep Grand Cherokee. These ratings include companies who write in the majority of U.S. states, so companies with more of a regional focus are not included in the list.
Top 10 Major Auto Insurance Providers in Long Beach Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Major Auto Insurance Providers in Long Beach Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Safe drivers pay less for insurance
The common sense way to find cheap insurance rates in California for a Grand Cherokee is to be an attentive driver and avoid accidents and keep your driving record clean. The example below highlights how traffic violations and at-fault claims can increase insurance premiums for each age group. The costs are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
The data above shows the average cost of a car insurance policy in Long Beach per year with no violations or accidents is $1,793. Add in one speeding ticket and the average cost rises to $2,092, an increase of $299 each year. Next add one accident along with the one speeding ticket and the annual cost of insurance for a Jeep Grand Cherokee increases to an average of $2,931. That’s an increase of $1,138, or $95 per month, just for not being a responsible driver!
Get discount Long Beach insurance rates
Auto insurance companies that provide policies for a Jeep Grand Cherokee may have discounts that could reduce prices by 35% or more if you qualify for them. A list of companies and some of their more popular discounts are detailed below.
- State Farm policyholders can earn discounts including multiple autos, Steer Clear safe driver discount, anti-theft, passive restraint, good driver, safe vehicle, and accident-free.
- Progressive includes discounts for good student, multi-policy, multi-vehicle, online quote discount, continuous coverage, and homeowner.
- Travelers has discounts for continuous insurance, IntelliDrive, early quote, multi-policy, save driver, payment discounts, and multi-car.
- American Family may include discounts for good student, air bags, early bird, bundled insurance, and multi-vehicle.
- Liberty Mutual may have discounts that include exclusive group savings, new move discount, newly married, newly retired, and multi-policy.
The illustration below shows the comparison of car insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, anti-theft, accident-free, homeowner, safe-driver, and multiple policy discounts applied. When discounts are factored in, theamount saved on insurance for a Jeep Grand Cherokee is 28% or $740.
How to find more affordable car insurance for a Jeep Grand Cherokee
Here are some of the recommended thrifty ideas that can help Long Beach drivers locate lower-cost coverage.
- If possible, pay for small claims out-of-pocket
- Buy your homeowners policy from the same company as your auto insurance
- At-fault accidents can raise rates significantly
- Do not insure for full coverage
- Serious violations like DUI or reckless driving can increase rates dramatically
- Choose a safer vehicle and pay lower rates
- Shop around for cheaper prices often
The last suggestion is extremely necessary, as we emphasized in this article. Prices charged by auto insurers fluctuate constantly, so drivers shouldn’t be resistant to buy a different policy if you find a cheaper price. Brand loyalty is not necessarily bad, but we do not recommend it if it’s costing you hundreds of dollars year after year. If you have a few minutes, compare prices to find cheaper insurance for a Jeep Grand Cherokee in Long Beach.
The insurance agents in Long Beach listed below can help you determine which coverage meets your needs best, as many consumers aren’t sure which coverage to buy and prefer to have a little guidance when shopping for cheaper insurance for a Grand Cherokee. It can be difficult to find the cheapest rate yourself, so using a licensed agent can provide you peace of mind knowing your coverage gives you enough protection. To find an agent close to you, click the button link following the list or click here to compare price quotes now.
- Rosanne Sanchez Insurance Agency
1165 E San Antonio Dr – Long Beach, CA 90807 – (310) 874-3933 - Vinny Bommaiah – State Farm Insurance Agent
6272 Pacific Coast Hwy Ste C – Long Beach, CA 90803 – (562) 439-8544 - Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 - Farmers Insurance – Erika Moreno
740 E Wardlow Rd – Long Beach, CA 90807 – (562) 290-0338 - Earl Jordan – State Farm Insurance Agent
2545 E Broadway – Long Beach, CA 90803 – (562) 434-0911