Jeep Grand Cherokee insurance rates image courtesy of QuoteInspector.com
Buying competitive auto insurance for a Jeep Grand Cherokee in Colorado is pretty simple, but it hinges on a large number of rating criteria such as how many miles you drive each year, if you have a tendency to file claims, and any prior driving offenses. Drivers in Colorado pay approximately $930 annually to insure their Grand Cherokee, but that amount is an estimation based upon a 50-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
It's more than likely you are not 50 years old and maybe not even male, you might be single instead of married, or maybe you prefer higher deductibles. Car insurance coverage is unique to each driver, so this is why the best method for finding cheap insurance rates for your Jeep is to compare as many rates as possible. To cut your rates now, get a free quote and you can get prices from some of the cheapest companies that offer coverage in Colorado.
The trim level of your Jeep will have an impact the annual cost of coverage, so the cost to insure a Grand Cherokee Laredo 2WD will be $96 less than the price to insure the higher-end Grand Cherokee SRT-8 4WD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$212||$388||$338||$20||$100||$1,058||$88|
|Grand Cherokee Laredo 4WD||$212||$388||$338||$20||$100||$1,058||$88|
|Grand Cherokee Limited 2WD||$238||$458||$338||$20||$100||$1,154||$96|
|Grand Cherokee Limited 4WD||$238||$458||$338||$20||$100||$1,154||$96|
|Grand Cherokee SRT-8 4WD||$238||$458||$338||$20||$100||$1,154||$96|
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific Aurora garaging location which can decrease or increase coverage rates noticeably.
Comparing rates for cost effective insurance is not easy, and figuring out which companies have the best car insurance rates for a Jeep Grand Cherokee will involve a little more work. Every insurance company uses their own method for determining prices, so let's rank the car insurance companies with the overall cheapest rates in Colorado.
It's important that readers know that Aurora, CO car insurance rates are influenced by many factors which can substantially change the price you have to pay for coverage. That is why consumers need to take the time to compare many different companies when trying to find cheap auto insurance rates for a Jeep Grand Cherokee. Auto insurance prices can be determined by many different factors and can decrease or increase without notice, so the most affordable company a year ago may now be wasting a lot of money.
Find Cheaper Auto Insurance for Your Jeep
|Rank||Company||Cost Per Year|
|15||Colorado Farm Bureau||$1,592|
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The Hartford has some of the best car insurance rates in Aurora at around $825 a year. This is $753 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide also rank well as some of the cheapest Aurora, CO auto insurance companies.
In the rate table above, if you are a policyholder with Grange and switched to The Hartford, you may realize a yearly price reduction of roughly $133. Colorado drivers with USAA could save as much as $184 a year, and GEICO customers might lower prices by $316 a year.
Remember that these rates are averages for all insureds and vehicles and do not factor in a specific zip code for a Jeep Grand Cherokee. So the insurer that can offer you the lowest price may not even be in the top 21 companies shown above. That illustrates why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
Careless Aurora drivers pay higher rates
The common sense way to obtain low car insurance premiums for a Grand Cherokee is to be a good driver and avoid getting tickets or having accidents. The diagram below shows how speeding tickets and accidents can influence car insurance rates for different age groups. The costs are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
In the example above, the average cost of an auto insurance policy in Aurora per year with no violations or accidents is $2,263. Factor in one speeding ticket and the average cost hikes up to $2,564, an increase of $300 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for a Jeep Grand Cherokee jumps again to an average of $3,418. That's an increase of $1,155, or $96 per month, just for not paying attention while driving!
The example below shows how choosing a deductible can influence insurance prices when quoting cheap insurance for a Jeep Grand Cherokee. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
A 30-year-old driver could reduce rates by $388 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $586 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could roll back prices as much as $828 every year just by choosing higher deductibles. When choosing a higher deductible, it is important to have enough savings set aside to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.
How to find cheaper insurance for a Jeep Grand Cherokee
The list below shows some thrifty solutions that can help Aurora drivers find cheaper coverage.
- Drivers with good credit often pay less
- Being accident-free can lower rates significantly
- Do not get traffic citations
- Increase your physical damage deductibles
- Save money by insuring older vehicles for liability only
- The safer your car, the less it costs to insure
- Compare rate quotes often
The last idea is extremely valuable, as we discussed in this article. Prices charged by car insurance companies fluctuate constantly, so don't hesitate to switch to a new company if a better rate can be found.
Having a favorite company is fine, but is isn't recommended if that dedication is costing a small fortune. It only takes a couple minutes to shop around and find cheaper car insurance for a Jeep Grand Cherokee in Aurora.
If you like to have a little guidance when trying to find lower insurance rates for a Grand Cherokee, the insurance agencies below can probably provide answers to your questions and help you determine which coverages and limits you need.
To locate an agency closest to you, click the button at the bottom of the list or click here to compare rates now.
Focus Insurance Agency
2993 S Peoria St #144 - Aurora, CO 80014 - (303) 695-6220
ALINK Insurance Services
3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479
John Baer - State Farm Insurance Agent
6155 S Main St #240 - Aurora, CO 80016 - (303) 680-7777
Jody Roberts - State Farm Insurance Agent
15260 E Hampden Ave - Aurora, CO 80014 - (303) 693-1650
American Family Insurance - Daniel Kane
1730 S Abilene St # I-201 - Aurora, CO 80012 - (303) 873-1277