Affordable Insurance for a Jeep Grand Cherokee in Charlotte

Discount Jeep Grand Cherokee insuranceNo car owner anticipates paying for insurance, especially when they are aware that they are paying too much.

Anyone knows that auto insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around once a year are likely to buy a new policy because there is a good probability of finding a policy with better rates. A recent study showed that drivers who shopped around saved an average of $3,400 over four years as compared to drivers who never shopped around.

If finding low prices for Jeep Grand Cherokee insurance in Charlotte is your goal, knowing how to get price quotes and compare insurance rates can make it easier to shop your coverage around.

Steps to finding discount Jeep Grand Cherokee insurance in Charlotte

If saving the most money is your goal, then the best way to save money on Jeep Grand Cherokee insurance in Charlotte is to compare quotes annually from companies who provide car insurance in North Carolina.

  1. Get a basic knowledge of car insurance and the changes you can make to keep rates down. Many things that cause high rates like high-risk driving behaviors and a substandard credit score can be eliminated by making minor driving habit or lifestyle changes.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can quote rates from many different companies. View rates
  3. Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save some money and change companies, make sure there is no coverage gap between policies.

One important bit of advice is to try to use the same deductibles and limits on every quote request and and to get prices from as many companies as feasibly possible. This enables a fair price comparison and maximum price selection.

Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a insurance company to discover the definitive best rate on Jeep Grand Cherokee insurance in Charlotte.

The easiest way to compare policy rates for Jeep Grand Cherokee insurance in Charlotte is to take advantage of the fact most of the larger companies participate in online systems to compare rate quotes. To start a quote, the only thing you need to do is provide a little information including how much you drive, driver ages, if it has an alarm system, and whether your vehicle is owned or leased. The data is then sent to insurance carriers in your area and you will receive price estimates very quickly.

To get price quotes for your Jeep Grand Cherokee now, click here and find out if you can get cheaper insurance in Charlotte.

The companies shown below have been selected to offer quotes in Charlotte, NC. To locate the best auto insurance in Charlotte, we recommend you compare several of them in order to get a fair rate comparison.

Why you need Jeep Grand Cherokee insurance in North Carolina

Even though it’s not necessarily cheap to insure a Jeep in Charlotte, buying auto insurance serves a purpose in several ways.

The benefits of having auto insurance more than offset the price you pay, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays more than $830 a year so you should quote rates each time the policy renews to ensure rates are competitive.

Coverage analysis

The data table below outlines a range of insurance rates for Jeep Grand Cherokee models. Having a better understanding of how auto insurance prices are established can aid in making decisions when shopping your coverage around.


Jeep Grand Cherokee Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $208 $380 $254 $16 $76 $934 $78
Grand Cherokee Laredo 4WD $208 $380 $254 $16 $76 $934 $78
Grand Cherokee Limited 2WD $234 $446 $254 $16 $76 $1,026 $86
Grand Cherokee Limited 4WD $234 $446 $254 $16 $76 $1,026 $86
Grand Cherokee SRT-8 4WD $234 $446 $254 $16 $76 $1,026 $86
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific Charlotte garaging location which can lower or raise prices noticeably.

Raise deductibles and save

When buying car insurance, a common question is where should you set your physical damage deductibles. The comparisons below lay out the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.


Jeep Grand Cherokee insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $192 $324 $250 $14 $74 $879 $73
Grand Cherokee Laredo 4WD $192 $324 $250 $14 $74 $879 $73
Grand Cherokee Limited 2WD $218 $382 $250 $14 $74 $963 $80
Grand Cherokee Limited 4WD $218 $382 $250 $14 $74 $963 $80
Grand Cherokee SRT-8 4WD $218 $382 $250 $14 $74 $963 $80
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Jeep Grand Cherokee insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $118 $204 $250 $14 $74 $660 $55
Grand Cherokee Laredo 4WD $118 $204 $250 $14 $74 $660 $55
Grand Cherokee Limited 2WD $134 $240 $250 $14 $74 $712 $59
Grand Cherokee Limited 4WD $134 $240 $250 $14 $74 $712 $59
Grand Cherokee SRT-8 4WD $134 $240 $250 $14 $74 $712 $59
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in specific location information which can affect insurance rates greatly.

Based on this data, using a $250 deductible costs roughly $20 more each month or $240 each year than choosing the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 38 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

The information below shows how choosing a deductible and can change Jeep Grand Cherokee insurance costs for different insured age categories. The prices are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Reckless driving habits raise car insurance rates

The diagram below demonstrates how citations and at-fault collisions can impact Jeep Grand Cherokee insurance costs for different age groups. The premiums assume a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Cheaper rates with these premium slashing discounts

Insurance can cost an arm and a leg, but there could be available discounts that you may not even be aware of. Certain credits will be shown when you purchase, but lesser-known reductions have to be manually applied before you will receive the discount.Save money with discounts

One last thing about discounts, many deductions do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

The information below illustrates the difference between Jeep Grand Cherokee insurance prices with and without discounts. The data assumes a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, multi-policy, and marriage discounts applied.

Insurance companies who might offer some of the above discounts possibly include:

Double check with all companies you are considering how many discounts you can get. Some discounts listed above may not apply in your state. To choose insurers offering auto insurance discounts in Charlotte, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect thatHigher deductibles save money
These are some specific questions can aid in determining whether or not you could use an agent’s help.

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.