Who Has Affordable San Antonio Car Insurance Rates for a Jeep Grand Cherokee?

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Jeep Grand Cherokee insurance rates
Jeep Grand Cherokee insurance rates image courtesy of QuoteInspector.com

Buying competitive car insurance for a Jeep Grand Cherokee is pretty easy for most people, but it is dependent upon a large number of factors such as how you use your Grand Cherokee, whether or not you garage your vehicle, and blemishes on your driving record. Texas drivers will pay around $772 each year for Grand Cherokee insurance, but that cost is an approximation based upon a 50-year-old married female driver with full coverage and $1,000 deductibles.

It's highly likely you aren't exactly 50 years old or even a female, possibly single instead of married, and maybe your Grand Cherokee just needs liability-only coverage. There is no one cookie-cutter policy that works for everyone, so the best way to find the most affordable coverage for your Jeep is to put in the effort to do a thorough rate comparison. It takes less than five minutes and you will receive rate quotes from top-rated car insurance companies that insure Jeep vehicles in Texas.

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Vehicle trim level will influence the insurance rate, so the price to insure a Grand Cherokee Laredo 2WD will be $64 cheaper than the price to insure the more costly Grand Cherokee SRT-8 4WD version, as shown below.

Jeep Grand Cherokee Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $140 $260 $358 $22 $108 $888 $74
Grand Cherokee Laredo 4WD $140 $260 $358 $22 $108 $888 $74
Grand Cherokee Limited 2WD $158 $306 $358 $22 $108 $952 $79
Grand Cherokee Limited 4WD $158 $306 $358 $22 $108 $952 $79
Grand Cherokee SRT-8 4WD $158 $306 $358 $22 $108 $952 $79
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in vehicle location which can increase or decrease coverage prices greatly.

Selecting a good quality car insurance provider is hard considering how many different insurance companies sell coverage in Texas. The information shown below can help you select which insurers you want to consider to insure your vehicles.

These ratings are for companies who write in the majority of U.S. states, so companies that focus mainly on Texas business are not factored into these rankings. If you wish to compare rates from these top insurers and more, click this link.

San Antonio, TX Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

The information below highlights how deductible choice can change insurance prices when trying to find cheap insurance for a Jeep Grand Cherokee. The premiums are based on a married male driver, full coverage, and no additional discounts are factored in.

A 30-year-old driver could cut expenses by $352 a year by switching from a $100 deductible to a $500 deductible, or save $534 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, could save $1,060 or even more by using a higher deductible. When increasing deductibles, it is essential to have enough in a savings account to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Types of discounts on San Antonio car insurance rates

Save on insurance for a Grand Cherokee in San AntonioInsurance providers that offer quotes for a Jeep Grand Cherokee may also provide premium discounts that could potentially reduce rates by 25% or more if you meet specific eligibility requirements. Companies and their possible discounts include:

The information below shows the comparison of insurance costs with and without policy discounts. The premiums are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, multiple policy, claim-free, defensive driving course, marriage, and anti-theft discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on insurance for a Jeep Grand Cherokee is 28% or $717.

A good deal can quickly turn bad

San Antonio insurance rates are impacted by many things that will increase or decrease the cost of coverage. Simply having another birthday, moving to a different location, or having an accident can trigger rate changes that can now make some companies much cheaper than others. Additionally, insurers amend premium rates every year as an adjustment for underwriting gains or losses. Heavier than normal losses may result in more expensive premiums, while better underwriting may produce more affordable Grand Cherokee insurance rates.

The bar chart below shows the cheapest car insurance in San Antonio, TX for a 45-year-old female driver with no prior claims, no tickets, and a good credit rating. If we estimate rates based on her current risk profile, Travelers offers the best car insurance rates in San Antonio at $1,169 per year. This is $735 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining best San Antonio, TX auto insurance companies.

Now let's give the driver from the first rate comparison an at-fault accident, bad credit, and a blemish on her driving record. Because every insurance company uses their own calculation to set policy rates, comparing prices may now show a substantially altered list of companies as shown below.

State Farm now has the best auto insurance rate in San Antonio with Mercury, Nationwide, USAA, and Safe Auto completing the list. This shows why consumers need to perform an extensive rate comparison to find cheap insurance quotes for a Jeep Grand Cherokee.

Insurance rates are impacted by many different factors and can change without notice, so the most economical company when you last compared rates may now be quite expensive.

The San Antonio, TX, insurance agents below can provide answers to your questions and help you determine which coverage meets your needs best, as some drivers aren't sure which coverage they need and prefer to get some help when comparing insurance rates for a Grand Cherokee. It's not always simple to find the cheapest rate yourself, and a licensed agent can provide comfort knowing your coverage gives you suitable coverage if you have an accident.

To locate a San Antonio auto insurance agent using an interactive map, click the button at the bottom of the list or click here to compare price quotes now.

Mesquite Insurance Agency
501 W Quincy St - San Antonio, TX 78212 - (210) 472-3034

Betsy Dippo - State Farm Insurance Agent
19190 Stone Oak Pkwy #112 - San Antonio, TX 78258 - (210) 496-3276

Kristin Sorensen - State Farm Insurance Agent
430 W Loop 1604 N Suite 112 - San Antonio, TX 78251 - (210) 682-1200

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How to find cheaper car insurance for a Jeep Grand Cherokee

Lowering your rates is not difficult, and here are some of the recommended thrifty solutions that can help Texas drivers locate cheaper auto insurance.

The final tip is extraordinarily crucial, as we hit on in this article. Rates fluctuate constantly, so drivers shouldn't hesitate to change insurance companies if a cheaper rate is available. Being loyal to a particular company is commendable, but it's not recommended if it's costing you a considerable chunk of change every month. Spend a few minutes and compare rates and find cheaper auto insurance for a Jeep Grand Cherokee in San Antonio.