Finding cheap coverage for a Jeep Grand Cherokee in Texas is pretty easy to do, but it relies on many different factors such as whether you are a homeower, the condition of your credit, and your policy deductibles. Texas drivers pay approximately $879 a year to insure their Grand Cherokee, but that figure is based on a 50-year-old married female driver with full coverage and $500 deductibles.
There’s a good chance you aren’t exactly 50 years old or even a female, possibly single instead of married, and maybe your Grand Cherokee is older and does not require full coverage. There is no perfect policy for every driver, so the best method for finding cheap car insurance rates for your Jeep is to compare as many rates as you can. To start saving now, get free quotes and you will be able to see rates from some of the most affordable companies around.
Vehicle trim level will have an impact the cost of insurance, so the price you pay to insure a Grand Cherokee Laredo 2WD will be $84 less than the cost to insure the more well-appointed Grand Cherokee SRT-8 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$184||$332||$358||$22||$108||$1,004||$84|
|Grand Cherokee Laredo 4WD||$184||$332||$358||$22||$108||$1,004||$84|
|Grand Cherokee Limited 2WD||$208||$392||$358||$22||$108||$1,088||$91|
|Grand Cherokee Limited 4WD||$208||$392||$358||$22||$108||$1,088||$91|
|Grand Cherokee SRT-8 4WD||$208||$392||$358||$22||$108||$1,088||$91|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in vehicle garaging location which can change premium rates considerably.
Selecting a highly-rated car insurance company can be challenging considering how many different companies sell coverage in Texas. The ranking information shown next can help you choose which companies to look at when looking for cheaper rates.
The ratings below are only comprised of large, nationwide insurance companies, so companies that focus mainly on Texas business are not included in the list. To check rates from these companies and more, click this link.
Top 10 Major Car Insurance Companies Overall in Fort Worth
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Drive safe and save
The common sense way to find the cheapest auto insurance premiums in Texas for a Grand Cherokee is to drive safely and avoid accidents and traffic citations. The example below demonstrates how traffic citations and at-fault fender-benders increase insurance premiums for each age group. The data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
In the chart above, the average cost of car insurance per year with no accidents and a clean driving record is $1,550. Get one speeding ticket and the average cost jumps to $1,809, an increase of $258 each year. Now add two accidents along with the one speeding ticket and the annual cost of auto insurance for a Jeep Grand Cherokee increases to an average of $4,186. That’s an increase of $2,635, or $220 per month, just for not paying attention while driving!
Get discount Fort Worth auto insurance
Insurance providers that provide policies for a Jeep Grand Cherokee may also provide policy discounts that could lower prices by 35% or more if you meet the requirements. A list of companies and some of their more popular discounts are included below.
- Mercury Insurance policyholders can earn discounts including annual mileage, multi-policy, location of vehicle, anti-theft, good student, and low natural disaster claims.
- Farmers Insurance offers discounts including teen driver, multi-car, business and professional, early shopping, alternative fuel, and bundle discounts.
- Farm Bureau may include discounts for good student, renewal discount, 55 and retired, multi-vehicle, and multi-policy.
- State Farm offers premium reductions for student away at school, safe vehicle, anti-theft, multiple policy, Steer Clear safe driver discount, good driver, and multiple autos.
- Allstate has discounts for EZ pay plan discount, new car, early signing, auto/life discount, and multi-policy.
- GEICO may offer discounts for membership and employees, defensive driver, federal employee, military active duty, daytime running lights, and multi-policy.
The diagram below illustrates the difference between auto insurance rates with and without discounts applied to the rates. The premiums are based on a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, anti-theft, multiple policy, accident-free, vehicle safety, and multiple vehicle discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Jeep Grand Cherokee is 28% or $591.
The auto insurance agents in Fort Worth shown below are a good start to provide answers to your questions and help you determine which auto insurance policy fits you best, since some drivers wish to get some professional advice when shopping for the best coverage for a Jeep Grand Cherokee. It can be difficult to find the best coverage yourself, so professional agents can provide you peace of mind knowing your coverage gives you adequate protection in case of an accident or claim. To find an auto insurance agency nearest to you, click the button below the list or click here to compare price quotes.
- Raudel Flores – State Farm Insurance Agent
4200 South Fwy #102 – Fort Worth, TX 76115 – (817) 926-9537
- Al Boenker Insurance Agency, Inc.
6030 Jacksboro Hwy – Fort Worth, TX 76135 – (817) 306-2300
- Gary Gilmore – State Farm Insurance Agent
9324 Clifford St #106 – Fort Worth, TX 76108 – (817) 367-6106
- Eddie Bermea – State Farm Insurance Agent
6252 McCart Ave – Fort Worth, TX 76133 – (817) 294-7400
- Allstate Insurance: Robert Stine
3509 Hulen St Ste 103 – Fort Worth, TX 76107 – (817) 377-4048
Tips for buying cheaper insurance for a Jeep Grand Cherokee
It is possible to find better rates, and here are a few money-saving solutions that can help you find cheap coverage.
- Get cheaper liability coverage by choosing a safer vehicle
- Remain accident-free and save
- Do not pay for full coverage on older vehicles
- Maintaining good credit helps earn cheaper rates
- Increase your deductibles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Look for cheaper rates once a year by shopping around
The last tip in the list is especially significant, as was affirmed in the article above. Car insurance prices change frequently, so don’t be tentative to buy a policy from a new company if a cheaper rate is available. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that stubbornness costs you money that could be spent on other things. It takes less than five minutes to compare rates and find cheaper auto insurance for a Jeep Grand Cherokee in Fort Worth.