No car owner anticipates paying for insurance, especially when they are aware that they are paying too much.
Anyone knows that auto insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around once a year are likely to buy a new policy because there is a good probability of finding a policy with better rates. A recent study showed that drivers who shopped around saved an average of $3,400 over four years as compared to drivers who never shopped around.
If finding low prices for Jeep Grand Cherokee insurance in Charlotte is your goal, knowing how to get price quotes and compare insurance rates can make it easier to shop your coverage around.
Steps to finding discount Jeep Grand Cherokee insurance in Charlotte
If saving the most money is your goal, then the best way to save money on Jeep Grand Cherokee insurance in Charlotte is to compare quotes annually from companies who provide car insurance in North Carolina.
- Get a basic knowledge of car insurance and the changes you can make to keep rates down. Many things that cause high rates like high-risk driving behaviors and a substandard credit score can be eliminated by making minor driving habit or lifestyle changes.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can quote rates from many different companies. View rates
- Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save some money and change companies, make sure there is no coverage gap between policies.
One important bit of advice is to try to use the same deductibles and limits on every quote request and and to get prices from as many companies as feasibly possible. This enables a fair price comparison and maximum price selection.
Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a insurance company to discover the definitive best rate on Jeep Grand Cherokee insurance in Charlotte.
The easiest way to compare policy rates for Jeep Grand Cherokee insurance in Charlotte is to take advantage of the fact most of the larger companies participate in online systems to compare rate quotes. To start a quote, the only thing you need to do is provide a little information including how much you drive, driver ages, if it has an alarm system, and whether your vehicle is owned or leased. The data is then sent to insurance carriers in your area and you will receive price estimates very quickly.
To get price quotes for your Jeep Grand Cherokee now, click here and find out if you can get cheaper insurance in Charlotte.
The companies shown below have been selected to offer quotes in Charlotte, NC. To locate the best auto insurance in Charlotte, we recommend you compare several of them in order to get a fair rate comparison.
Why you need Jeep Grand Cherokee insurance in North Carolina
Even though it’s not necessarily cheap to insure a Jeep in Charlotte, buying auto insurance serves a purpose in several ways.
- Most states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance if you want to drive legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Grand Cherokee has a lienholder, more than likely the lender will make it a condition of the loan that you have insurance to guarantee loan repayment. If you do not keep the policy in force, the bank or lender will purchase a policy for your Jeep for a much higher rate and require you to reimburse them the higher price.
- Auto insurance protects both your vehicle and your assets. It also can pay for medical transport and hospital expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of having auto insurance more than offset the price you pay, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays more than $830 a year so you should quote rates each time the policy renews to ensure rates are competitive.
Coverage analysis
The data table below outlines a range of insurance rates for Jeep Grand Cherokee models. Having a better understanding of how auto insurance prices are established can aid in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $208 | $380 | $254 | $16 | $76 | $934 | $78 |
| Grand Cherokee Laredo 4WD | $208 | $380 | $254 | $16 | $76 | $934 | $78 |
| Grand Cherokee Limited 2WD | $234 | $446 | $254 | $16 | $76 | $1,026 | $86 |
| Grand Cherokee Limited 4WD | $234 | $446 | $254 | $16 | $76 | $1,026 | $86 |
| Grand Cherokee SRT-8 4WD | $234 | $446 | $254 | $16 | $76 | $1,026 | $86 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific Charlotte garaging location which can lower or raise prices noticeably.
Raise deductibles and save
When buying car insurance, a common question is where should you set your physical damage deductibles. The comparisons below lay out the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Grand Cherokee Laredo 4WD | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Grand Cherokee Limited 2WD | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Grand Cherokee Limited 4WD | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Grand Cherokee SRT-8 4WD | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| Grand Cherokee Laredo 4WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| Grand Cherokee Limited 2WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Grand Cherokee Limited 4WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Grand Cherokee SRT-8 4WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in specific location information which can affect insurance rates greatly.
Based on this data, using a $250 deductible costs roughly $20 more each month or $240 each year than choosing the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 38 months between claim filings, you would more than likely save some money if you decide on a higher deductible.
The information below shows how choosing a deductible and can change Jeep Grand Cherokee insurance costs for different insured age categories. The prices are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Reckless driving habits raise car insurance rates
The diagram below demonstrates how citations and at-fault collisions can impact Jeep Grand Cherokee insurance costs for different age groups. The premiums assume a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Cheaper rates with these premium slashing discounts
Insurance can cost an arm and a leg, but there could be available discounts that you may not even be aware of. Certain credits will be shown when you purchase, but lesser-known reductions have to be manually applied before you will receive the discount.
- Early Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
- Savings for New Vehicles – Insuring a new Grand Cherokee may earn a small discount compared to insuring an older model.
- Paperless Signup – Some auto insurance companies may give you up to $50 for buying your policy on their website.
- Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a break if you buy auto and life insurance together.
- Student in College – Children who live away from home to go to college and don’t have a car may be able to be covered for less.
- Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease depending on your auto insurance provider.
- Military Rewards – Having an actively deployed family member may qualify for rate reductions.
One last thing about discounts, many deductions do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.
The information below illustrates the difference between Jeep Grand Cherokee insurance prices with and without discounts. The data assumes a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, multi-policy, and marriage discounts applied.
Insurance companies who might offer some of the above discounts possibly include:
Double check with all companies you are considering how many discounts you can get. Some discounts listed above may not apply in your state. To choose insurers offering auto insurance discounts in Charlotte, click here.
How do I know if I need professional advice?
When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that
These are some specific questions can aid in determining whether or not you could use an agent’s help.
- Should I sign the liability waiver when renting a car?
- Why are teen drivers so expensive to add on to my policy?
- When can I cancel my policy?
- What are the financial responsibility laws in my state?
- Should I buy only the required North Carolina minimum liability coverage?
- Does rental coverage apply when I am renting a car?
- Is my camper covered for physical damage?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.