Affordable Insurance for a Jeep Grand Cherokee in Las Vegas

The preferred way to find discount Jeep Grand Cherokee insurance in Las Vegas is to begin comparing prices regularly from companies who sell insurance in Nevada. This can be done by following these guidelines.

• Step 1: Spend a few minutes and learn about how your policy works and the changes you can make to keep rates down. Many factors that increase rates such as your driving record and a negative credit rating can be controlled by being financially responsible and driving safely.
• Step 2: Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide prices from multiple insurance companies.
• Step 3: Compare the price quotes to your existing coverage to see if a cheaper price is available. If you can save some money and change companies, make sure there is no lapse in coverage.

The key thing to remember is that you’ll want to make sure you compare identical limits and deductibles on every price quote and and to get prices from as many carriers as you can. Doing this enables a level playing field and a complete rate analysis.

We don’t have to point out that fact that car insurance companies want to keep you from comparing prices. People who shop around for a cheaper policy are inclined to switch insurance companies because of the good chance of finding a lower-priced company. A recent insurance study revealed that drivers who compared rates once a year saved $860 a year as compared to drivers who didn’t regularly shop around.

If finding the lowest price on insurance in Las Vegas is your objective, then learning a little about how to shop and compare insurance rates can help you succeed in finding affordable rates.

If you are insured now, you should be able to lower your rates using the tips covered below. These tips will introduce you to the best way to quote coverages and some tips to save money. But Nevada car owners must learn how companies charge you for coverage.

Most larger insurance companies allow consumers to get prices for coverage on the web. Comparing Jeep Grand Cherokee insurance rates online can be done by anyone as you simply enter the coverage amounts you desire into the quote form. After you complete the form, the quote system automatically orders your driving and credit reports and provides a quote based on many factors.

Quoting online for Jeep Grand Cherokee insurance in Las Vegas makes it simple to compare prices and it’s necessary to get many rate quotes in order to find the best possible rates on car insurance.

If you want to find out how much you’re overpaying now, compare rates now from the companies shown below. If you have a policy now, it’s recommended you duplicate the coverages as close as possible to your current policy. This makes sure you will get comparison quotes for similar insurance coverage.

The companies shown below provide price quotes in Las Vegas, NV. In order to find the cheapest car insurance in Nevada, we suggest you click on several of them to get a more complete price comparison.

Do you qualify for discounts?

Auto insurance is not cheap nor is it fun to buy but you can get discounts that can help lower your rates. Some trigger automatically at the time of purchase, but some may not be applied and must be manually applied prior to getting the savings.

• Waiver for an Accident – This isn’t a discount exactly, but a few companies such as State Farm and Allstate will let one accident slide before they charge you more for coverage so long as you are claim-free prior to the accident.
• Good Student – Being a good student may save you up to 25%. Many companies even apply the discount to college students up to age 25.
• Good Drivers – Insureds who avoid accidents could pay up to 40% less than drivers with accidents.
• Driver’s Ed – Teen drivers should enroll and complete driver’s education as it can save substantially.
• New Vehicle Savings – Putting auto insurance coverage on a new Grand Cherokee can be considerably cheaper because newer vehicles are generally safer.
• Senior Citizen Discount – Older drivers could receive better auto insurance rates.
• Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
• Onboard Data Collection – Insureds that choose to allow driving data collection to study driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.

Remember that most credits do not apply to the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

The chart below shows the difference between Jeep Grand Cherokee insurance premiums with and without policy discounts. The costs are based on a male driver, no claims or driving citations, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.

A few popular companies and a selection of discounts include:

• The Hartford has discounts for anti-theft, driver training, air bag, good student, defensive driver, and bundle.
• American Family policyholders can earn discounts including Steer into Savings, defensive driver, good student, TimeAway discount, accident-free, and bundled insurance.
• Progressive has savings for online signing, multi-vehicle, continuous coverage, good student, multi-policy, online quote discount, and homeowner.
• Travelers may include discounts for early quote, IntelliDrive, home ownership, good student, continuous insurance, and student away at school.
• Farmers Insurance discounts include good student, business and professional, youthful driver, homeowner, and multi-car.
• USAA includes discounts for vehicle storage, good student, defensive driver, loyalty savings, and multi-vehicle.
• Liberty Mutual may have discounts that include hybrid vehicle, exclusive group savings, good student, new move discount, newly married, and safety features.

It’s a good idea to ask each company or agent how you can save money. Some credits may not be offered in Las Vegas.

Data for Jeep Grand Cherokee insurance

The premium table displayed below covers a range of insurance rates for Jeep Grand Cherokee models. Being more informed about how policy rates are calculated can aid in making smart choices when selecting a coverage provider.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can impact premiums noticeably.

Car insurance deductibles

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The following tables approximate the differences in price of buying low and high comp and collision deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific Las Vegas garaging location which can affect prices noticeably.

Based on the above data, using a $100 deductible could cost the average driver approximately $33 more each month or $396 annually than quoting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 27 months between claim filings, you would save money going with the higher deductible. The illustration below shows how we made this calculation.

One important issue to know is that higher deductibles means you will have to pay more out-of-pocket when you have a claim. That will require some funds available in the event you have to pay the deductible for vehicle repair.

Safe drivers pay less for car insurance

The information below shows how traffic citations and accident claims can raise Jeep Grand Cherokee yearly insurance costs for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Car insurance cost for men versus women

The example below illustrates the difference between Jeep Grand Cherokee insurance premiums for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Difference between liability only and full coverage rates

The information below shows the difference between Jeep Grand Cherokee insurance prices with full physical damage coverage compared to only buying liability only. The costs are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

When to switch to liability coverage only

There is no specific rule of when to drop physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Jeep Grand Cherokee replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying your deductible. If premium cost is more than $700 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some cases where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Auto insurance company ratings

Buying coverage from a highly-rated insurer can be rather challenging considering how many companies sell coverage in Las Vegas. The ranking data below could help you choose which coverage providers to look at putting your business with.

Top 10 Las Vegas Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. AAA Insurance
7. State Farm
8. Mercury Insurance
9. Nationwide
10. Safeco

Top 10 Las Vegas Car Insurance Companies Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. The General
6. Progressive
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

How Car Insurance Companies Determine Jeep Grand Cherokee Insurance Rates

The best way to find cheaper insurance is to take a look at the factors that help calculate your policy premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that may reward you with much lower annual insurance costs. Many things are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, but other factors are more obscure such as your credit history or your commute time.

• Get cheaper prices if you’re married – Having a spouse helps lower the price compared to being single. Having a spouse generally demonstrates drivers are more mature and responsible and insurance companies reward insureds because married drivers tend to file fewer claims.

• Insurance premiums and vehicle performance – The performance level of the vehicle you are insuring makes a substantial difference in the rate you pay. The lowest base rates tend to be for economy passenger models, but other factors influence the final cost greatly.

  The data below uses these assumptions: single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Jeep Grand Cherokee policy rates compared to other models of vehicles that have different performances.

• Save money by raising coverage deductibles – Insurance for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Jeep. Some examples of claims that would be covered could be running into the backend of another car, flood damage, and windstorm damage. Comprehensive and collision coverage deductibles tell how much you are willing to pay if you file a covered claim. The more you have to pay, the less your insurance will be.
• Good credit saves on insurance – An insured’s credit score will be a significant factor in determining premium rates. Therefore, if your credit score leaves room for improvement, you could be paying less to insure your Jeep Grand Cherokee by taking the time to improve your credit score. People with high credit ratings tend to be more responsible as compared to drivers with worse credit.
• Deter car thieves – Owning a car with a theft deterrent system can save you some money. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft and help bring rates down.

• Claims statistics for a Jeep Grand Cherokee – Insurance companies use historical loss data when they file their rates in each state. Models that historically have a trend towards higher claims will have a higher premium rate.

  The table shown below demonstrates the insurance loss data used by companies for Jeep Grand Cherokee vehicles. For each insurance policy coverage type, the claim amount for all vehicles as a whole equals 100. Percentage values below 100 represent a good loss history, while values over 100 point to more claims or statistically larger claims.

  
  

  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

  BETTER

  AVERAGE

  WORSE

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