Affordable Insurance for a Jeep Grand Cherokee in Fresno

Insurance for Jeep Grand CherokeeIf you want to find the absolute lowest rates, then the best way to find the cheapest price for Jeep Grand Cherokee insurance in Fresno is to annually compare prices from companies in California. Prices can be compared by following these steps.

First, try to understand coverages and the things you can control to lower rates. Many things that result in higher prices such as distracted driving and an imperfect credit score can be controlled by being financially responsible and driving safely.

Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple sources.

Third, compare the new rates to the price on your current policy to see if a cheaper price is available in Fresno. If you can save some money, make sure coverage does not lapse between policies.

Fourth, provide notification to your current agent or company of your intention to cancel your current policy and submit payment along with a signed and completed policy application to your new agent or company. Don’t forget to safely store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.

The critical component of shopping around is to make sure you’re comparing similar coverage information on each quote request and and to get quotes from as many different companies as possible. This provides an accurate price comparison and the best rate selection.

It’s shocking but almost 70% of insureds in California have bought auto insurance from the same company for well over three years, and approximately 38% of consumers have never quoted rates to find cheap coverage. The average driver in the U.S. could save as much as $860 each year, but they think it’s difficult to do a rate comparison.

Components of Your Jeep Grand Cherokee Insurance Costs

A large part of saving on auto insurance is knowing the factors that help calculate your policy premiums. When consumers understand what determines base rates, this enables informed choices that could help you find big savings. Lots of factors are considered when pricing auto insurance. Some are obvious like a motor vehicle report, but others are less obvious like your vehicle usage or your vehicle rating.

Liability coverage limits should be high – Liability insurance provides coverage when you are ruled to be at fault for an accident. Your liability coverage provides legal defense which can cost a lot. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.

Where you reside is a factor – Having an address in a small town can be a good thing when talking about auto insurance. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Residents of big cities have to deal with more road rage incidents and longer commute times. The longer drive time means more chances of being involved in an auto accident.

Qualify for multi-policy discounts – Some insurers will give better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, drivers will still want to compare other company rates to ensure the best deal.

Do you work long hours in a stressful vocation? – Did you know that where you work can have an impact on rates? Occupations like military personnel, executives, and financial analysts are shown to have higher premium rates in part from high stress and lengthy work days. Conversely, jobs such as scientists, engineers and homemakers pay lower than average rates.

Youthful drivers cost more – Drivers with little experience tend to be more careless when driving therefore auto insurance rates are much higher. Adding a first-time driver onto your auto insurance can cause a big jump in price. Older drivers are shown to be more cautious, are lower risk to insure, and usually have better credit.

The chart below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

Excellent credit means lower premiums – An insured’s credit history can be an important factor in your rate calculation. If your credit score is not that good, you could be paying less to insure your Jeep Grand Cherokee if you clean up your credit. Insureds with good credit tend to be more responsible than drivers who have worse credit.

Careless driving leads to higher rates – Careful drivers pay lower auto insurance prices as compared to careless drivers. Just one speeding ticket or other violation can increase rates to the point where it’s not affordable. People who have flagrant citations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.

The illustration below demonstrates how traffic citations and at-fault fender-benders can impact Jeep Grand Cherokee annual premium costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Deter theft and lower prices – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.

Jeep Grand Cherokee insurance claim data – Insurers use statistical claims data as a way to help calculate a profitable premium price. Vehicles that the statistics show to have increased losses will be charged more to insure. The table below outlines the historical loss data for Jeep Grand Cherokee vehicles.

For each type of coverage, the claim amount for all vehicles averaged together equals 100. Percentage values below 100 suggest a better than average loss history, while percentages above 100 indicate more frequent claims or an increased probability of a larger loss.

Car Insurance Loss Data for Jeep Grand Cherokee Models
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

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

The companies shown below are ready to provide price comparisons in California. If you wish to find the best cheap auto insurance in Fresno, CA, it’s highly recommended you compare several of them to get the best price comparison.

Auto insurance statistics and figures

The information shown next showcases a range of policy rates for Jeep Grand Cherokee models. Knowing how auto insurance premiums are calculated is important for making smart policy decisions.

Jeep Grand Cherokee Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $334 $662 $534 $32 $160 $1,722 $144
Grand Cherokee Laredo 4WD $334 $662 $534 $32 $160 $1,722 $144
Grand Cherokee Limited 2WD $378 $780 $534 $32 $160 $1,884 $157
Grand Cherokee Limited 4WD $378 $780 $534 $32 $160 $1,884 $157
Grand Cherokee SRT-8 4WD $378 $780 $534 $32 $160 $1,884 $157
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates significantly.

Where to set your deductibles

One common question asked by Fresno drivers is how high should the physical damage deductibles be. The rates below can help you understand the rate differences of buying low and high coverage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Jeep Grand Cherokee insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $342 $576 $442 $26 $132 $1,543 $129
Grand Cherokee Laredo 4WD $342 $576 $442 $26 $132 $1,543 $129
Grand Cherokee Limited 2WD $386 $678 $442 $26 $132 $1,689 $141
Grand Cherokee Limited 4WD $386 $678 $442 $26 $132 $1,689 $141
Grand Cherokee SRT-8 4WD $386 $678 $442 $26 $132 $1,689 $141
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Jeep Grand Cherokee insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $278 $464 $442 $26 $132 $1,342 $112
Grand Cherokee Laredo 4WD $278 $464 $442 $26 $132 $1,342 $112
Grand Cherokee Limited 2WD $314 $546 $442 $26 $132 $1,460 $122
Grand Cherokee Limited 4WD $314 $546 $442 $26 $132 $1,460 $122
Grand Cherokee SRT-8 4WD $314 $546 $442 $26 $132 $1,460 $122
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in your specific Fresno location which can influence coverage rates noticeably.

We can estimate from the data above that using a $250 deductible costs roughly $18 more each month or $216 annually than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 14 months between claims, you would save money if you elect the higher deductible.

The example below demonstrates how deductible levels and can increase or decrease Jeep Grand Cherokee insurance rates for different age groups. The data assumes a married female driver, comp and collision included, and no discounts are taken into consideration.

Insurance protects more than just your car

Even though it’s not necessarily cheap to insure a Jeep in Fresno, insurance is a good idea for several reasons.

The benefits of carrying enough insurance outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is overpaying more than $820 a year so shop around at every policy renewal to save money.

Affordable Fresno auto insurance quotes with discounts

Companies that sell car insurance don’t always advertise all their discounts very clearly, so below is a list a few of the more common and the more hidden auto insurance savings.Cheaper auto insurance with discounts

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

The chart below compares Jeep Grand Cherokee annual premium costs with and without discounts applied to the policy rates. The prices are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision 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, multi-car, marriage, multi-policy, and safe-driver discounts applied.

To find providers that provide some of the discounts listed above in Fresno, click here.

Car insurance quotes from neighborhood Fresno auto insurance agents

Many drivers just prefer to sit down with an agent and we recommend doing that Professional agents can help you choose the best coverages and give you someone to call. The best thing about comparing rates online is that you can obtain cheap rate quotes and still choose a local agent.

Upon completion of this quick form, your insurance coverage information is submitted to local insurance agents who want to provide quotes to get your business. You won’t need to contact any insurance agencies since price quotes are sent directly to you. If for some reason you want to get a comparison quote from a particular provider, just jump over to their website to submit a rate quote request.

Finding a good insurer needs to be determined by more than just a cheap price quote. Agents should be asked these questions:

Listed below is a short list of insurance companies in Fresno that may be able to provide rate quotes for Jeep Grand Cherokee insurance in Fresno.

1177 N Willow Ave Suite 102Clovis, CA 93611(559) 900-7908View Map

6873 N West AveFresno, CA 93711(559) 432-0222View Map

516 W Shaw AveFresno, CA 93704(559) 224-7164View Map

5088 N Fruit Ave Suite 101Fresno, CA 93711(559) 451-3411View Map

More Fresno agents

Best car insurance in Fresno

Finding a high-quality auto insurance provider can be difficult considering how many companies there are to choose from in Fresno. The ranking information in the next section can help you choose which providers to look at purchasing a policy from.

Best Car Insurance Companies in California
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
AAA of Southern California 91 94 97 92% A+ 94.1
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
Mercury Insurance 88 91 90 85% A+ 89.4
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: Best Car Insurance Companies

Don’t assume everyone needs the same auto insurance coverage

Always remember that when buying the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.Auto insurance savings

For instance, these questions may help highlight whether or not you will benefit from professional help.

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Persistence is the key to cheap rates

Some companies don’t offer the ability to get quotes online and many times these smaller providers only sell coverage through local independent agencies. The cheapest Jeep Grand Cherokee insurance in Fresno is definitely available on the web as well as from independent agents in Fresno, and you need to comparison shop both to have the best selection.

When shopping online for car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at a price you can afford.

We just showed you many ideas to save on Jeep Grand Cherokee insurance in Fresno. The key concept to understand is the more quotes you get, the better your comparison will be. You may even be surprised to find that the best premium rates are with a small mutual company.

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