Cheap Insurance Quotes for a Jeep Grand Cherokee in New Hampshire
Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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Our editors have a joke that when writing about auto insurance, the word cheap really should not be used as a descriptor for car insurance rates. Unfortunately, cheap car insurance for a Jeep Grand Cherokee can be hard, if not impossible, to find. But don’t despair, because we will tell you how you can find and buy coverage that you can afford.
Your ability to find affordable auto insurance for a Jeep Grand Cherokee in New Hampshire is contingent on a large number of rating criteria such as how far you drive to work, if you have ever had a gap in coverage, and citations on your driving record. Drivers in New Hampshire on average pay approximately $980 each year to insure a Jeep Grand Cherokee, but that figure is an approximation using rate data for a 30-year-old single female driver that included full coverage and $100 policy deductibles.
There is a really good chance that you aren’t exactly 30 years old or even a female, possibly married instead of single, or you just prefer to insure for liability only. Changing even a minor factor in the factors used to determine rates may result in a big change in the policy rate.
This demonstrates why your best shot at finding cheap insurance prices for your Jeep is to do a thorough rate comparison. Price quotes are quick and you will get price quotes from the best auto insurance companies that offer coverage in New Hampshire.
The specific trim level tends to have a direct impact on the cost of coverage, so the price you pay to insure a Grand Cherokee Laredo 2WD trim level will be $110 lower than the insurance cost for the more costly 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||$226||$454||$320||$18||$96||$1,114||$93|
|Grand Cherokee Laredo 4WD||$226||$454||$320||$18||$96||$1,114||$93|
|Grand Cherokee Limited 2WD||$256||$534||$320||$18||$96||$1,224||$102|
|Grand Cherokee Limited 4WD||$256||$534||$320||$18||$96||$1,224||$102|
|Grand Cherokee SRT-8 4WD||$256||$534||$320||$18||$96||$1,224||$102|
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in New Hampshire location which can decrease or increase auto insurance rates considerably.
Finding reliable, low-cost car insurance is difficult, and determining which companies have the lowest-priced car insurance rates for a Jeep Grand Cherokee requires even more diligence.
Each insurance company has a different process to determine premium rates, so we’ll go over the car insurance companies that tend to be cheaper in New Hampshire. It’s important to understand that New Hampshire car insurance rates are impacted by many factors which can substantially change the cost of your policy. Simply having a birthday, buying a different home, or having an accident may generate price changes that can now make some companies cheaper than others.
Concord has some of the cheapest car insurance rates in New Hampshire at around $684 each year. Travelers, Patriot, USAA, and Vermont Mutual also rank well as some of the cheapest New Hampshire insurance companies.
As illustrated above, if you are currently insured with USAA and switched to Travelers, you could realize yearly savings of upwards of $129. Customers with Vermont Mutual may save as much as $148 a year, and Amica customers might realize rate reductions of up to $191 a year.
Be aware that those estimates are averaged across all insureds and vehicles and are not factoring in a specific rating modification for a Jeep Grand Cherokee. So the car insurance company that is best for you may not even be included in the chart above. That illustrates why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
Discount New Hampshire insurance rates
Insurers that sell cheap insurance for a Jeep Grand Cherokee in New Hampshire could also offer rate discounts that can reduce rates by 25% or more if you meet specific criteria. A list of car insurance companies and some of their more popular discounts can be read below.
|Discount||Allstate||Progressive||Geico||State Farm||Liberty Mutual|
|Active duty military||No||Yes||Yes||Yes||No|
|Paid in full||Yes||Yes||Yes||No||Yes|
|Student at college||Yes||Yes||No||Yes||Yes|
|Own your home||No||Yes||No||No||No|
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The diagram below shows the difference between insurance rates with and without discounts applied. The premiums are based on a male driver, no claims or violations, New Hampshire 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 defensive driving course, anti-theft, marriage, claim-free, homeowner, and accident-free discounts applied. When these discounts are applied, the average yearly reduction on car insurance for a Jeep Grand Cherokee is 42% or $594.
The information below shows how choosing a deductible can influence yearly insurance costs when searching for cheap insurance for a Jeep Grand Cherokee. The costs are based on a single male driver, full coverage, and no policy discounts are applied.
In the chart above, a 50-year-old driver could save $272 a year by switching from a $100 deductible up to a $500 deductible, or save $410 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could drop their prices as much as $898 annually by choosing a higher deductible. If you do raise deductibles, it is a good idea to have additional savings on hand to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Who has the cheapest Jeep Grand Cherokee insurance quotes?
Drivers have a lot of ways to buy car insurance in New Hampshire, but the three most common ways are through a non-exclusive or independent agent, an exclusive insurance agency such as Allstate or Auto-Owners, or from a direct company like Geico. Each way has the same basic process, but they differ slightly in how they give price quotes.
Independent insurance agents write for multiple companies and can get rate quotes from each one. They do not write with just one company and can give you more rates, which can give you the best idea of how your rates compare. If you want to switch companies, they simply move your policy to a different company which prevents you from having to switch agents.
A captive, or exclusive, agent is usually restricted to one insurance company, two of the more popular are an Auto-Owners or Allstate agent. They are unable to provide other companys’ prices, so it’s a good idea to get additional quotes.
If you choose to buy car insurance direct, you skip the middleman (the agent) and instead buy buying direct from a company like Progressive or Geico. Shopping for car insurance direct is a good choice for people who do not have a need for a risk management assessment and know more than average about what limits they need.
When shopping for car insurance, which way works best for finding cheap insurance for a Jeep Grand Cherokee in New Hampshire? We’d like to tell you buying direct results in the cheapest rates since it doesn’t require paying agent commissions, but that generally is not the case. It would also be easy to say an independent agency is the best way due to more options, but that assumption is also not accurate. In many circumstances, exclusive agencies have coverage prices that other car insurance companies cannot touch.
Since car insurance prices vary so much, the only real way to buy the cheapest policy is to obtain price quotes and compare them. We highly recommend getting rate quotes from all three in order to be able to find the lowest price. To see some of the cheapest online companies available, click here to view.
How to find budget-friendly insurance for a Jeep Grand Cherokee
It is possible to find better rates, and here are some money-saving ideas that can help New Hampshire drivers quote lower-cost coverage.
- Better credit rating means better rates
- Increase your physical damage deductibles
- Buy vehicles with five-star safety ratings
- Violations and traffic tickets increase rates
- Full coverage may not be needed on older vehicles
- Do not get into accidents
- Shop around for cheaper prices often
The last tip in the list is remarkably important, as we emphasized in this piece. Auto insurance prices adjust often, so drivers shouldn’t be resistant to switch carriers if you can find a cheaper rate.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if your bullheadedness ends up costing you thousands of dollars over the life of your policy. It only take a few minutes to shop around to find cheaper insurance for a Jeep Grand Cherokee.
Allstate, Progressive, State Farm, or Geico: Who is best?
If you’re looking for the cheapest insurance for a Grand Cherokee, four companies to definitely compare rates with are Allstate, Progressive, State Farm, and Geico. If you put them all together, they insure 48.5% of all policies written in the United States. They all offer your standard coverages, but each one has slightly different options that shoppers can choose from. The data below compares and contrasts ratings for price and service, as well as some optional coverages that are available for buyers.
|Rating from A.M. Best||A+||A+||A++||A++|
|Standard & Poor’s rating||AA-||AA||AA||AA+|
|Accident forgiveness coverage||Yes||Yes||No||Yes|
|Coverage for Uber and Lyft drivers||Yes||Yes||Yes||Yes|
|New car replacement||Yes||No||No||No|
|Offered in New Hampshire||Yes||Yes||Yes||Yes|
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