How Much are Insurance Quotes for a Jeep Grand Cherokee in Alabama?
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UPDATED: Nov 9, 2019
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The chances that you’ll find cheaper car insurance for a Jeep Grand Cherokee in Alabama is dependent upon a complex calculation that is influenced by things like how you use your Grand Cherokee, whether or not you garage your vehicle, and if you had any at-fault accidents in the last few years. Alabama drivers pay an average of $1,100 a year to buy Jeep Grand Cherokee insurance, but that rate is a ballpark figure based on cost data for a 40-year-old married female that includes full physical damage coverage and $100 physical damage deductibles.
There is a high probability that you’re not a 40-year-old female, you might be single instead of married, or maybe you rent instead of own your home. Making even small differences in the factors used in pricing a policy can generate big changes in the rate quoted for a Jeep Grand Cherokee.
Auto insurance is unique to each driver, so the only real way to find cheap auto insurance rates for your Jeep is to get into the habit of shopping around regularly.
The specific trim level tends to have a direct effect on the yearly cost, so the cost to insure a Grand Cherokee Laredo 2WD trim level will be $124 cheaper than the price to insure the high end Grand Cherokee SRT-8 4WD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$250||$514||$354||$20||$106||$1,244||$104|
|Grand Cherokee Laredo 4WD||$250||$514||$354||$20||$106||$1,244||$104|
|Grand Cherokee Limited 2WD||$282||$606||$354||$20||$106||$1,368||$114|
|Grand Cherokee Limited 4WD||$282||$606||$354||$20||$106||$1,368||$114|
|Grand Cherokee SRT-8 4WD||$282||$606||$354||$20||$106||$1,368||$114|
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in specific location information which can impact price quotes greatly.
Ending up with the best auto insurance company can be a challenge considering how many different companies insure vehicles in Alabama. The rank data listed below can help you decide which car insurance providers you want to consider when trying to find the cheapest insurance for a Jeep Grand Cherokee. These ratings only include large nationwide companies, so companies that focus mainly on Alabama business are not factored into this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below demonstrates how choosing different deductibles can increase or decrease yearly insurance costs when getting quotes for cheap insurance for a Jeep Grand Cherokee. The data assumes a married female driver, comp and collision included, and no other discounts are factored in.
The data above shows that a 30-year-old driver could lower rates by $372 a year by changing from a $100 deductible to a $500 deductible, or save $562 by using a $1,000 deductible. Younger drivers, like the Age 20 chart data, could drop their prices up to $796 or even more by selecting a higher deductible. When raising deductibles, it is essential to have plenty of savings on hand to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Should you buy full coverage?
Finding cheap insurance for a Jeep Grand Cherokee in Alabama should be important to most drivers, and one of the quickest ways to save on the cost of insurance is to buy liability only. The example below compares yearly insurance costs with and without full coverage. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.
If averaged for all ages, full coverage on your policy costs $2,514 per year over liability only. That is a large expense and it proposes the question if full coverage is worth the money. There is no exact formula for dropping physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your vehicle’s replacement value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $9,500 after the policy deductible has been paid. If premiums are more than $950 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are some cases where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.
Who has the cheapest Jeep Grand Cherokee insurance quotes?
Consumers have many ways to compare insurance quotes in Alabama, but the most common are through an independent agent, a captive (or exclusive) agent like Liberty Mutual or Allstate, or direct either online or via phone.
All three ways are similar, but it’s important to point out the distinctions in how they work.
Independent insurance agencies write for multiple companies and can quote your policy with all of them. These types of agents are not locked into one company and can compare multiple rates, which can give you the best chance of saving money. If cheaper coverage is found, they simply switch companies in-house and you don’t have to switch agencies.
An exclusive ageny is only able to write business for just one company, two examples are an Allstate or Liberty Mutual agent. Exclusive agencies are unable to quote rates from more than one company, so you need to shop around if the rates are high.
Insurance from a direct company means you bypass a local agent and instead buy from a direct company like Geico. Buying insurance direct may be the best choice people who have an average risk profile and have a good understanding of what specific coverages they need.
So what is the best way to buy cheap insurance for a Jeep Grand Cherokee in Alabama? One answer would be buying from a direct company saves the most money because you bypass the middleman, but that is not always the case. A valid argument could also be made that using an independent agent guarantees the best prices due to having more companies to select from, but that is not necessarily true either. In a lot of cases, exclusive agents have extremely competitive rates that are the lowest in Alabama.
Since insurance rates vary so much, the one way to get the lowest rate is to compare lots of quotes. We highly recommend getting price quotes all three ways in order to be able to find the lowest price. A great place to start is our list of online companies offering discounts: click here to view.
How to find the cheapest insurance for a Jeep Grand Cherokee
Here are some thrifty solutions that can help drivers quote cheaper car insurance.
- Avoid getting citations and tickets
- Safe vehicles generally have lower rates
- Earn discounts for being claim-free
- Accident-free drivers may qualify for discounts
- Bundle home or renters insurance to earn a discount on car insurance
- Comparison shop at least once a year
The last tip in the list is extraordinarily vital, as we emphasized in the article above. Auto insurance prices vary greatly, so don’t be hesitant to buy from a different company if a lower-cost policy is available. Having a favorite company is fine, but is isn’t recommended if it’s costing you potentially thousands of dollars a year. If you have a few minutes, shop around and find cheaper auto insurance for a Jeep Grand Cherokee.
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