Best Cheap Insurance for a Jeep Grand Cherokee in Nebraska
Enter your Nebraska zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 11, 2019
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Your odds of finding affordable coverage for a Jeep Grand Cherokee in Nebraska is dependent upon a lot of factors like the number of years you have been licensed, if you have prior claims, and if you have tickets or violations. Drivers on average pay approximately $1,130 annually to buy Jeep Grand Cherokee insurance, but that rate is using rate data for a 30-year-old single female that purchased full coverage and $250 deductibles.
There is a very good chance that you may not be 30 years old (or even female), possibly married instead of single, or maybe you have a speeding ticket or two that will increase rates. Everone’s needs are different, and this illustrates why the only real way to find the cheapest coverage for your Jeep is to compare as many rates as you can. Quotes are free and easy and you will be able to compare rates from the cheapest companies in Nebraska.
The trim level of your Jeep can impact price, so the price you will pay to insure a Grand Cherokee Laredo 2WD will be $118 less than the price to insure the more costly Grand Cherokee SRT-8 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$258||$480||$404||$24||$122||$1,288||$107|
|Grand Cherokee Laredo 4WD||$258||$480||$404||$24||$122||$1,288||$107|
|Grand Cherokee Limited 2WD||$290||$566||$404||$24||$122||$1,406||$117|
|Grand Cherokee Limited 4WD||$290||$566||$404||$24||$122||$1,406||$117|
|Grand Cherokee SRT-8 4WD||$290||$566||$404||$24||$122||$1,406||$117|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Estimates do not factor in Nebraska location which can lower or raise premium rates noticeably.
Establishing which companies quote the lowest-priced car insurance rates for a Jeep Grand Cherokee requires a little more effort in order to find the most economical policy. Every insurance company has a proprietary method for establishing rates, so let’s rank the car insurance companies that tend to be cheaper in Nebraska.
It’s a good idea to be aware that Nebraska car insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Simply improving your credit, moving to a new city, or getting a reckless driving citation can produce rate changes that can cause some rates to be cheaper than others.
Safeco may have some of the most affordable car insurance rates in Nebraska at around $804 a year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also make the list of some of the cheaper Nebraska insurance companies.
As the rates illustrate above, if you currently buy coverage from Allied and switched to Safeco, you could earn savings of in the vicinity of $145. Customers with Farmers Mutual of Nebraska might save as much as $175 a year, and Farm Bureau Mutual customers might lower prices by up to $186 a year.
Be aware that those policy rates are averaged across all drivers and vehicles and and are not figured with a specific rate value for a Jeep Grand Cherokee. So the insurer that is best for you may not even be featured in the chart above. That’s why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
Enter your zip code below to view companies that have cheap auto insurance rates.
Safe drivers pay less for car insurance
The easiest way to find the cheapest car insurance prices for a Grand Cherokee is to be a safe driver and have a clean driving record. The information below illustrates how violations and at-fault accidents increase insurance rates for different age categories. The costs are based on a single male driver, full coverage, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of an auto insurance policy in Nebraska per year with no violations or accidents is $1,810. Get written up for one speeding ticket and the average cost increases to $2,039, an increase of $229 each year. Then add in one accident along with the one speeding ticket and the annual cost of car insurance for a Jeep Grand Cherokee increases to an average of $2,684. That’s an increase of $874, or $73 per month, just for not driving safely!
Does full coverage make sense?
Finding the best cheap insurance for a Jeep Grand Cherokee in Nebraska is the goal of the majority of people, and an easy way to buy cheaper insurance is to only buy liability insurance. The chart below shows the difference between insurance costs when comparing full coverage to liability only. Data assumes no claims or driving citations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
If we average all the age groups together, physical damage coverage on your policy costs an additional $1,595 per year more than carrying just liability coverage. At some point, almost every driver questions if buying full coverage is a waste of money. There is no definitive guideline to drop physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
There are some situations where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
The information below highlights how deductible selection can impact insurance costs when getting quotes for cheap insurance for a Jeep Grand Cherokee. The data assumes a married female driver, full coverage, and no discounts are factored in.
In the chart above, a 40-year-old driver could lower rates by $284 a year by increasing from a $100 deductible up to a $500 deductible, or save $430 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could reduce their rates $708 annually by using higher deductibles when buying full coverage.
When insureds make the decision to increase the deductibles on their policy, it is important to have spare funds to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
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