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Cheapest Insurance for a Jeep Grand Cherokee in Pennsylvania

Whenever people write about car insurance, the word “cheap” should never be used anywhere in the article as a descriptor for car insurance rates. Notwithstanding, cheap car insurance for a Jeep Grand Cherokee is not always easy to find. Don’t let that ruin your day, because we can show you some ways you can still find coverage that is considered budget-friendly.

The odds of finding cheap car insurance for a Jeep Grand Cherokee in Pennsylvania is contingent on a complex rating formula that takes into consideration things such as your marital status, if you currently have coverage, and your driving record. Drivers pay around $1,000 annually for Grand Cherokee insurance, but that is an approximation based on rates for a 30-year-old married male driver that has full coverage including both comprehensive and collision and $250 policy deductibles.

There is a very good chance that you are not 30 and maybe not even a male, single instead of married, or maybe your driving record isn’t squeaky clean. Auto insurance is unique to every driver, so the best way to find the cheapest coverage for your Jeep is to put in the effort and compare rates.

Cheapest Jeep Grand Cherokee Insurance Rates

Your vehicle’s trim level has an effect on the cost of coverage, so the price you will pay to insure a Grand Cherokee Laredo 2WD model will be $112 less than the insurance cost for the higher-priced Grand Cherokee SRT-8 4WD trim level, as shown by the rates below.

Jeep Grand Cherokee Insurance Rates in Pennsylvania
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Grand Cherokee Laredo 2WD$254$428$330$20$98$1,130$94
Grand Cherokee Laredo 4WD$254$428$330$20$98$1,130$94
Grand Cherokee Limited 2WD$288$506$330$20$98$1,242$104
Grand Cherokee Limited 4WD$288$506$330$20$98$1,242$104
Grand Cherokee SRT-8 4WD$288$506$330$20$98$1,242$104
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in specific location information which can increase or decrease insurance rates significantly.

Finding the best insurer can be a challenge considering how many choices there are in Pennsylvania. The ranking data in the next section may help you decide which auto insurers to look at putting your business with. These rankings are for companies that insure vehicles across America, so companies with more of a regional focus are not factored into the list.

Top 10 Major Auto Insurance Providers in Pennsylvania Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. GEICO
  5. State Farm
  6. Titan Insurance
  7. Nationwide
  8. Allstate
  9. The General
  10. The Hartford

Top 10 Major Auto Insurance Providers in Pennsylvania Ranked by Customer Satisfaction

  1. Titan Insurance – 93%
  2. The Hartford – 93%
  3. The General – 91%
  4. Progressive – 90%
  5. 21st Century – 89%
  6. USAA – 87%
  7. Erie Insurance – 87%
  8. State Farm – 87%
  9. Travelers – 87%
  10. Safeco Insurance – 86%

Top Companies for Jeep Grand Cherokee Insurance in Pennsylvania

Full coverage versus liability-only in Pennsylvania

Finding the cheapest insurance for a Jeep Grand Cherokee in Pennsylvania is important to the majority of vehicle owners, and an effective way to find cheaper insurance is to only buy liability coverage. The illustration below shows the difference between yearly insurance costs with full physical damage coverage compared to only buying liability only. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no other discounts are factored in.

As an average for all age groups, comprehensive and collision coverage on your policy costs $2,453 per year more than carrying just liability coverage. At some point, every insured wonders if buying full coverage is worth the expense. There isn’t a steadfast formula of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying the physical damage deductible. If you are currently paying more than $400 annually to have full coverage, then it might be time to buy liability only.

Why are you paying too much for Grand Cherokee insurance?

Pennsylvania car insurance rates are impacted by many factors which can significantly increase or decrease the policy price. Simply having a birthday, marrying your spouse, or having an accident may generate price changes that can now make some companies cheaper in comparison to the competition. Not only may things change on your end, but companies change their prices as often as every three months to ensure their profitability. Higher than usual claims can result in increased policy costs, while lower claims can result in cheaper Grand Cherokee insurance rates.

To illustrate this point, the bar chart below compares the cheapest car insurance in Pennsylvania for a 30-year-old male driver with no accidents, a clean driving record, and a good credit rating. Based on his personal profile, General Casualty may have the most affordable car insurance rates in Pennsylvania at $740 per year. This is $917 less than the average price paid by Pennsylvania drivers of $1,657. Erie, Travelers, USAA, and Penn National are the remainder of the top five cheapest Pennsylvania auto insurance companies.

Let’s now give the driver in the first chart some claims, a lower credit score, and a blemish on his driving record. Since each auto insurer uses their own formula to set premium rates, analyzing rate quotes may now present a different set of cheap Pennsylvania auto insurance companies as shown below.

Auto-Owners now has the best insurance rate in Pennsylvania with Atlantic States, Donegal Mutual, USAA, and Erie now being in the top five. This example proves why consumers need to compare many different companies to find the best car insurance rates for a Jeep Grand Cherokee.

Insurance rates can be altered by many risk factors and can change without notice, so the cheapest option six months ago may now be an over-priced policy.

How to find budget-friendly auto insurance for a Jeep Grand Cherokee

Lowering your rates is not difficult, and here are some of the better penny-pinching solutions that can help you buy more affordable car insurance.

  • Buy your auto and home insurance from the same company and save
  • Avoid price increases by not filing claims
  • Accidents can significantly increase rates
  • Lower rates by purchasing a safer vehicle
  • Do not get traffic tickets
  • Check for cheaper rates once a year

The last item on the list is especially necessary, as we emphasized in this piece. Coverage rates fluctuate considerably, so don’t hesitate to buy a policy from a new company if a lower price can be found. Staying with the same company for years is fine, but it isn’t a good idea if that loyalty results in overpaying potentially thousands of dollars a year. If you have a few minutes, compare rates and find cheaper insurance for a Jeep Grand Cherokee.

Who has the cheapest Jeep Grand Cherokee insurance quotes?

Drivers have many ways to compare car insurance quotes in Pennsylvania, but the most frequently used methods are through a non-exclusive or independent agent, an exclusive agency such as State Farm or Liberty Mutual, or direct online or over the phone from a company like Progressive or Geico.

You can use whichever you prefer, but buyers need to know the differences in how they provide price quotes.

Independent insurance agencies have contracts with multiple insurance companies and can get rate quotes from all of them. These agents have the freedom to give you more rates, which can give you improved odds of finding cheaper coverage. If a cheaper price is found, an independent agent can move your coverage and you won’t have to switch agencies.

Exclusive agents are only able to quote your policy with a single insurance company, two examples being Allstate or State Farm agents. These guys and gals cannot quote prices from more than a single company, so smart shoppers will want to get additional comparison quotes.

If you want to buy car insurance direct, you skip a local insurance agent and instead shop buying direct from a company like Geico or Progressive. This option can be good for families who do not need advice for risk management and know more than average about what car insurance covers.

So which way is best to buy the cheapest insurance for a Jeep Grand Cherokee in Pennsylvania? It would be simple to say buying from a direct company saves the most money since it doesn’t require paying agent commissions, but unfortunately, that is not always true. It could also be said an independent agent results in the best rates due to more options, but that is not necessarily true either. In a lot of cases, exclusive agents have really good rates that are the cheapest.

Because there are so many factors that make up car insurance rates, the only real way to make sure you’re not overpaying for car insurance is to get quotes and compare. To cover all the bases, get rate quotes from all three in order to have enough rates to compare. For a list of companies with cheap rates in Pennsylvania, click here to view.

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