Cheap Rate Quotes for Jeep Grand Cherokee Insurance in Aurora

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Insurance for Jeep Grand CherokeeIt takes a few minutes, but the best way to get cheaper Jeep Grand Cherokee insurance is to make a habit of comparing prices annually from providers who can sell car insurance in Aurora.

First, read about how companies price auto insurance and the modifications you can make to prevent high rates. Many policy risk factors that drive up the price like tickets, at-fault accidents, and a negative credit score can be remedied by improving your driving habits or financial responsibility.

Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agents can quote prices from multiple sources.

Third, compare the new rate quotes to your existing policy and see if there is a cheaper rate in Aurora. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

A good tip to remember is to try to compare identical deductibles and limits on every price quote and and to get quotes from every company you can. Doing this helps ensure an apples-to-apples comparison and maximum price selection.

It goes without saying that insurance companies don't want you to look at other companies. People who shop around for a cheaper policy will most likely switch to a new company because there is a high probability of finding lower prices. A recent study showed that drivers who compared prices once a year saved as much as $850 each year as compared to drivers who never compared prices.

If finding the cheapest price for car insurance is your ultimate target, understanding how to quote prices and compare insurance coverage can make it easier to find better rates.

The car insurance companies shown below provide price quotes in Aurora, CO. To get cheaper auto insurance in Colorado, we suggest you click on several of them in order to get a fair rate comparison.

Jeep Grand Cherokee insurance analysis

The rate information displayed below highlights detailed analysis of insurance premium costs for Jeep Grand Cherokee models. Learning as much as possible about how car insurance premiums are formulated can help customers make smart choices when comparing insurance rates.

Jeep Grand Cherokee Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $294 $536 $358 $22 $108 $1,318 $110
Grand Cherokee Laredo 4WD $294 $536 $358 $22 $108 $1,318 $110
Grand Cherokee Limited 2WD $330 $630 $358 $22 $108 $1,448 $121
Grand Cherokee Limited 4WD $330 $630 $358 $22 $108 $1,448 $121
Grand Cherokee SRT-8 4WD $330 $630 $358 $22 $108 $1,448 $121
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in specific Aurora garaging location which can raise or lower insurance rates greatly.

The diagram below shows how different deductible levels and can affect Jeep Grand Cherokee insurance costs for each different age category. The price estimates are based on a married male driver, comp and collision included, and no other discounts are factored in.

Rate increases following a ticket or accident

The chart below shows how traffic citations and at-fault collisions can raise Jeep Grand Cherokee premium costs for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Why Smart Consumers Pay Less for Jeep Grand Cherokee Insurance

An important part of buying insurance is that you know some of the things that are used to determine your car insurance rates. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower rates.

The list below includes a partial list of the pieces used by your company to calculate your premiums.

  • Reserve insurance claims for larger damages - If you file claims often, you can look forward to either higher rates or even cancellation. Insurance companies in Colorado provide the lowest premiums to policyholders that do not abuse their auto insurance. Auto insurance is intended to be relied upon for more catastrophic claims.
  • Stress out and pay more - Did you know your career choice can influence rates? Careers such as real estate brokers, architects, and stock brokers are shown to have higher rates than average in part from stressful work requirements and lots of time spent at work. Conversely, careers such as scientists, historians and performers pay the least.
  • Premiums impacted by your city - Residing in less populated areas is a good thing when talking about car insurance. People in densely populated areas have congested traffic and much longer commute distances. Less people means less chance of accidents as well as less vandalism and auto theft.
  • Long commutes cost more - The more you drive annually the more it will cost to insure it. Almost all companies calculate prices based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Grand Cherokee can cost quite a bit. Make sure your car insurance declarations sheet states the correct usage for each vehicle.
  • Avoid unnecessary incidental coverages - Policies have extra coverages that can add up if you aren't careful. Coverage for things like replacement cost coverage, better glass coverage, and membership fees are some examples. These may sound like a good investment at first, but if you don't need them consider taking them off your policy.
  • Lower rates with GPS tracking and theft deterrents - Driving a car with a theft deterrent system can help lower your premiums. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
  • High credit score translates to low costs - Having a good credit rating factor in determining what you pay for car insurance. Insureds that have good credit tend to be more responsible and file fewer claims than drivers with poor credit. So if your credit history is lower than you'd like, you could save money insuring your Jeep Grand Cherokee if you improve your credit rating.
  • Insurance loss data for a Jeep Grand Cherokee - Companies include the past claim history for a vehicle to help calculate a profitable premium rate. Models that historically have higher claim frequency or loss amount will have a higher cost to insure.

    The table below demonstrates the collected loss data for Jeep Grand Cherokee vehicles. For each policy coverage, the loss probability for all vehicles, without regard to make or model, is a value of 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while percentage values above 100 point to more losses or an increased chance of a larger loss.

    Jeep Grand Cherokee Insurance Loss Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Jeep Grand Cherokee 4dr 2WD 81 111 71 62 60 94
    Jeep Grand Cherokee 4dr 4WD 91 112 98 67 63 89
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

Insurance just makes sense

Even though Aurora Grand Cherokee insurance rates can get expensive, insurance may be required and benefits you in several ways.

  • Just about all states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If your Grand Cherokee has a lienholder, almost every bank will require that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Jeep at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.
  • Insurance protects not only your Jeep Grand Cherokee but also your assets. It will also provide coverage for medical transport and hospital expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. Today the average American driver overpays as much as $830 a year so shop around each time the policy renews to make sure the price is not too high.

Colorado auto insurance company ratings

Selecting a highly-rated company is hard considering how many companies sell insurance in Colorado. The company information displayed below may help you choose which car insurance companies you want to consider comparing rate quotes with.

Best Auto Insurance Companies in Colorado
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies