Insurance for Jeep Grand CherokeeI can't think of a single person who looks forward to buying auto insurance, especially when they know they could find better rates elsewhere.

Regrettably, the majority of drivers kept buying from the same company for a minimum of four years, and about 40% of consumers have never taken the time to shop around. Drivers in the U.S. could pocket nearly $850 a year just by comparing rates, but they just assume it's a time-consuming process to compare rates and save money. Multiple auto insurance companies compete for your business, and it can be difficult to compare rates to find the lowest cost out there.

You need to get comparison quotes as often as possible because rates change quite often. Even if you got the lowest premium rates on Jeep Grand Cherokee insurance in Fort Wayne last year you can probably find a better price now. There are lots of tips to save on Grand Cherokee insurance on the internet, but in just a couple of minutes you can learn some good information on how to lower your auto insurance bill.

If you have insurance now or just want to save money, you can learn to save money and still get good coverage. Finding affordable insurance coverage in Fort Wayne is much easier if you have a good place to start. Drivers only have to learn how to buy insurance from multiple carriers.

Buy Fort Wayne Jeep Grand Cherokee insurance online

Finding a lower price on Jeep Grand Cherokee insurance is surprisingly easy. All you need to do is spend a few minutes to compare rates from different insurance companies.

It's so fast and easy to compare price quotes online that it makes it obsolete to waste gas driving to different Fort Wayne agent offices. The ability to quote Jeep Grand Cherokee insurance online makes this process obsolete unless you require the professional abilities of a local Fort Wayne agent. Some companies do allow you to get prices online and have a local agent actually service the policy.

The providers in the list below can provide price quotes in Indiana. If more than one company is shown, it's highly recommended you visit as many as you can to get the best price comparison.

Jeep Grand Cherokee Insurance Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $212 $420 $340 $20 $102 $1,094 $91
Grand Cherokee Laredo 4WD $216 $366 $280 $16 $84 $962 $80
Grand Cherokee Limited 2WD $156 $296 $270 $16 $80 $818 $68
Grand Cherokee Limited 4WD $210 $444 $318 $18 $94 $1,084 $90
Grand Cherokee SRT-8 4WD $222 $396 $290 $18 $86 $1,012 $84
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle garaging location which can influence price quotes significantly.

Comparison of policy deductibles

The information below highlights how deductible selection and can affect Jeep Grand Cherokee insurance rates for different age categories. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Comparison of policy deductibles

When buying car insurance, a common question is which deductibles should you choose. The data tables below outline the difference in cost when you buy lower versus higher deductibles. The first rate comparisons uses a $100 deductible and the second rate chart uses a $500 deductible.

Jeep Grand Cherokee insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $242 $436 $280 $16 $84 $1,083 $90
Grand Cherokee Laredo 4WD $242 $436 $280 $16 $84 $1,083 $90
Grand Cherokee Limited 2WD $272 $514 $280 $16 $84 $1,191 $99
Grand Cherokee Limited 4WD $272 $514 $280 $16 $84 $1,191 $99
Grand Cherokee SRT-8 4WD $272 $514 $280 $16 $84 $1,191 $99
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Jeep Grand Cherokee insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $176 $294 $280 $16 $84 $850 $71
Grand Cherokee Laredo 4WD $176 $294 $280 $16 $84 $850 $71
Grand Cherokee Limited 2WD $200 $348 $280 $16 $84 $928 $77
Grand Cherokee Limited 4WD $200 $348 $280 $16 $84 $928 $77
Grand Cherokee SRT-8 4WD $200 $348 $280 $16 $84 $928 $77
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in specific zip code location which can change coverage rates significantly.

We can estimate from the data above that using a $100 deductible will cost you roughly $20 more each month or $240 each year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 20 months between claims, you would probably save some money if you choose a higher deductible.

Discounts for cheap insurance rates

Car insurance is not cheap, but you may be missing some discounts that may help make it more affordable. A few discounts will be applied when you get a quote, but once in a while a discount must be specifically requested prior to receiving the credit.Save money with discounts

As a disclaimer on discounts, many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way.

Companies and the discounts they provide include:

Before buying, ask each company to apply every possible discount. Some discounts listed above might not be available to policyholders in your state.

Learn How to Buy Insurance at a Discount

Lots of things are used in the calculation when you quote your car insurance policy. Some are obvious like your driving record, but other factors are not as apparent such as your credit history or how safe your car is.

Tickets and citations cost more than a fine - Being a careful driver can have a huge impact on auto insurance premiums. Only having one chargeable violation can boost insurance rates by as much as thirty percent. Drivers with clean records get better rates as compared to those with violations. Drivers unfortunate enough to have severe violations such as DUI, reckless driving or excessive speeding may need to file a SR-22 with their state's licensing department in order to drive a vehicle legally.

Pleasure use or commuting - The more you drive in a year's time the more it will cost to insure it. A lot of insurance companies charge rates based on how the vehicle is used. Vehicles that have low annual miles can get a lower rate than cars that get driven a lot. An improperly rated Grand Cherokee may be costing you. It's always a good idea to double check that your insurance policy correctly shows the correct driver usage.

Safer cars mean better premiums - Vehicles with good safety scores get lower rates. Safer cars protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.

Improve your credit rating - Having a good credit score is a large factor in determining what you pay for insurance. People that have very high credit ratings tend to be more responsible as compared to drivers with worse credit. If your credit history can use some improvement, you may save money insuring your Jeep Grand Cherokee by taking the time to improve your credit score.

Vehicle features can affect premiums - Buying a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent car theft and help bring rates down.

Rural vs Urban Areas - Being located in less populated areas of the country has definite advantages when it comes to insurance. People who live in big cities tend to have more aggressive driving styles and longer commute times. Lower population means a lower chance of having an accident and lower theft and vandalism rates.

Add-on coverages can add up - Insurance policies have a lot of extra add-on coverages that you can buy when buying insurance. Coverages like coverage for rental cars, better glass coverage, and extra equipment coverage are examples of these. The coverages may be enticing when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.

Claims statistics for a Jeep Grand Cherokee - Companies take into consideration insurance loss statistics for every vehicle as a tool for profitable underwriting. Models that the statistics show to have increased claim numbers or amounts will have higher rates.

The next table illustrates the historical loss data for Jeep Grand Cherokee vehicles. For each coverage category, the claim amount for all vehicles combined as an average is a value of 100. Values that are 100 or less imply a favorable loss record, while percentage values above 100 point to more losses or tendency to have higher losses.

Car Insurance Loss Data for Jeep Grand Cherokee Models

Specific Jeep 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

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

Neighborhood Fort Wayne auto insurance agents

Some consumers just want to buy from a local agent and that is a smart decision Experienced insurance agents can help you build your policy and help file insurance claims. An additional benefit of price shopping on the web is that you can obtain cheap car insurance quotes and still have a local agent. And buying from local agencies is especially important in Fort Wayne.

Find insurance agent in Fort WayneTo find an agent, once you fill out this form (opens in new window), your insurance coverage information is emailed to participating agents in Fort Wayne that can give you free Fort Wayne car insurance quotes for your car insurance coverage. You won't even need to leave your house due to the fact that quote results will go straight to your inbox. If you want to compare prices for a specific company, you just need to navigate to their website and submit a quote form there.

Two types of Fort Wayne auto insurance agents

If you're trying to find a good Fort Wayne insurance agent, it helps to know the two types of agencies from which to choose. Insurance agencies in Fort Wayne are either exclusive or independent (non-exclusive). Both types of agents can provide car insurance policies, but it is a good idea to know the differences since it could factor into your selection of an agent.

Independent Insurance Agents

Agents of this type do not sell for just one brand and that allows them to write policies with multiple insurance companies and potentially find a lower price. If you want to switch companies, your policy is moved internally and you stay with the same agent. When comparing car insurance rates, you will want to include rate quotes from several independent agencies for the best price selection.

The following is a partial list of independent agencies in Fort Wayne that may be able to give price quote information.

Real Estate Agents Health Insurance Direct
8411 Clinton Park Dr - Fort Wayne, IN 46825 - (855) 343-7344 - View Map

7410 Bluffton Rd - Fort Wayne, IN 46809 - (260) 747-5373 - View Map

7011 Stellhorn Rd - Fort Wayne, IN 46815 - (800) 701-5909 - View Map

View more Fort Wayne agents

Exclusive Insurance Agents

Agents of this type can only place business with one company and some examples include Allstate and State Farm. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive insurance agents are highly trained on what they offer which helps them sell on service rather than price.

Below are Fort Wayne exclusive insurance agencies who can help you get price quote information.

2416 Getz Rd - Fort Wayne, IN 46804 - (260) 459-1700 - View Map

615 Goshen Ave - Fort Wayne, IN 46808 - (260) 482-9623 - View Map

John Hayes - State Farm Insurance Agent
6407 Stellhorn Rd - Fort Wayne, IN 46815 - (260) 486-4711 - View Map

View more Fort Wayne agents

Deciding on an insurance agency requires you to look at more than just a low price. Ask your prospective agent these questions:

Don't give up on cheap premiums

When getting Fort Wayne car insurance quotes online, you should never buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the best price while not skimping on critical coverages.

We covered a lot of tips how to shop for Jeep Grand Cherokee insurance online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Additional detailed information can be found in these articles: