Do you want a faster way to compare more affordable Jeep Grand Cherokee insurance in San Antonio? Locating cheaper insurance for a Jeep Grand Cherokee in Texas can turn out to be difficult, but you can learn the following methods to make it easier.
There are more efficient ways to find insurance online so you’re going to learn the best way to quote coverages on a Jeep and get the best price possible from both online companies and San Antonio agents.
Surprisingly, a recent survey revealed that the vast majority of drivers have stayed with the same insurance company for four years or more, and about 40% of consumers have never even compared quotes to find cheap rates. Many consumers in San Antonio could save themselves as much as 70% a year by just comparing quotes, but they just don’t understand the amount of savings they would get if they replace their high priced policy.
Companies offering Jeep Grand Cherokee insurance in Texas
The companies in the list below have been selected to offer comparison quotes in San Antonio, TX. If the list has multiple companies, we suggest you visit several of them to get a more complete price comparison.
Data for Jeep Grand Cherokee insurance
The rate table below outlines detailed analysis of coverage costs for Jeep Grand Cherokee models. Being more informed about how policy premiums are calculated helps drivers make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $206 | $392 | $400 | $24 | $120 | $1,142 | $95 |
| Grand Cherokee Laredo 4WD | $206 | $392 | $400 | $24 | $120 | $1,142 | $95 |
| Grand Cherokee Limited 2WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Grand Cherokee Limited 4WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Grand Cherokee SRT-8 4WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in garaging location in San Antonio which can decrease or increase insurance rates significantly.
Jeep Grand Cherokee full coverage rates compared to liability only
The example below shows the difference between Jeep Grand Cherokee yearly insurance costs when comparing full coverage to liability only. The rates are based on no claims or driving citations, $100 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no set guideline to stop buying full coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Jeep Grand Cherokee settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying more than $600 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where only buying liability is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Ten discounts for cheap car insurance rates
Some insurers don’t always list the entire discount list in an easy-to-find place, so the following is a list of a few of the more well known and the harder-to-find car insurance savings.
- Claim Free – San Antonio drivers who stay claim-free can save substantially when compared with drivers who are more careless.
- Discount for Home Ownership – Being a homeowner can get you a discount because of the fact that having a home requires personal responsibility.
- Drivers Ed for Students – Require your teen driver to complete a driver education course if it’s offered in school.
- Driver Safety – Successfully completing a class that teaches safe driver techniques could save 5% or more depending on where you live.
- Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
- Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
- Bundle and Save – If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
- Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount because newer vehicles have to meet stringent safety requirements.
- No Charge for an Accident – Not a discount per se, but companies like Allstate, State Farm and GEICO may permit one accident without the usual rate increase if you have no claims prior to being involved in the accident.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance too.
Just know that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will reduce the amount you pay for coverage.
The diagram below compares Jeep Grand Cherokee auto insurance rates with and without discounts applied to the rates. The price estimates are based on a male driver, no claims or driving citations, Texas 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 multi-car, claim-free, marriage, homeowner, safe-driver, and multi-policy discounts applied.
Some of the larger companies that may offer quotes with most of these discounts possibly include:
Before you buy a policy, ask every company to give you their best rates. Savings might not be offered on policies in San Antonio. To see companies who offer online Jeep Grand Cherokee insurance quotes in Texas, click this link.
It’s not one size fits all
Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different so this has to be addressed.
These are some specific questions can aid in determining whether you will benefit from professional help.
- Is a fancy paint job covered?
- Do I have newly-acquired coverage?
- Is my camper covered by my car insurance policy?
- When does my teenage driver need to be added to my policy?
- Should I buy additional glass protection?
- Does having multiple vehicles earn me a discount?
- Is my custom stereo system covered?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.
Comparing rates from local San Antonio insurance agencies
Many people prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Licensed agents can make sure you are properly covered and help you file claims. A nice benefit of comparing insurance online is you may find cheaper premium rates and still buy from a local agent. Buying insurance from local agencies is important particularly in San Antonio.
To help locate an agent, after submitting this quick form, your insurance data is sent to local insurance agents who will return price quotes for your coverage. There is no need to drive around because quoted prices will be sent to you. If you wish to compare prices for a specific company, don’t hesitate to go to their quote page and fill out their quote form.
If you want to use a local San Antonio insurance agent, it can be helpful to understand the different agency structures that you can choose from. Agents in San Antonio are classified as either independent agents or exclusive agents depending on their employer. Both sell affordable insurance policies, but we need to point out the difference in the companies they write for because it may have an impact on buying decisions.
Independent Insurance Agents (or Brokers)
Agents that choose to be independent often have many company appointments and that gives them the ability to insure through many companies enabling the ability to shop coverage around. If prices rise, an independent agent can move your coverage which makes it simple for you. If you are comparing insurance prices, we highly recommend that you include rate quotes from a couple of independent agencies to have the most options to choose from. Most independent agents also contract with small mutual carriers which may have better rates.
Below is a partial list of independent insurance agents in San Antonio who may be able to give you price quotes.
- Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 – View Map - Garcia Insurance Agency
1255 SW Military Dr – San Antonio, TX 78221 – (210) 593-8935 – View Map - San Antonio Insurance Agency
1100 NE Interstate 410 Loop – San Antonio, TX 78209 – (210) 822-2590 – View Map
Exclusive Agents
Agents that choose to be exclusive can only quote rates from one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot shop your coverage around so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training on what they offer which can be an advantage. Many people use the same exclusive agent mostly because of the prominence of the brand rather than low rates.
The following are San Antonio exclusive insurance agencies who can help you get rate quotes.
- Paul Wittmaier – State Farm Insurance Agent
16613 Huebner Rd – San Antonio, TX 78248 – (210) 493-3577 – View Map - Betsy Dippo – State Farm Insurance Agent
19190 Stone Oak Pkwy #112 – San Antonio, TX 78258 – (210) 496-3276 – View Map - Mike Smith – State Farm Insurance Agent
14802 Jones Maltsberger Rd #201 – San Antonio, TX 78247 – (210) 251-3657 – View Map
Selecting an car insurance agent should include more criteria than just the bottom line cost. Any agent in San Antonio should be willing to answer these questions.
- Does the company use OEM repair parts?
- Do you work with a CSR or direct with the agent?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are there any discounts for paying up front?
- In the event of vehicle damage, can you pick the collision repair facility?
- What discounts might you be missing?
- Can they help ensure a fair claim settlement?
Once you have received reasonable responses to all your questions and an affordable coverage quote, it’s a good possibility that you have found an insurance agency that is reputable and can service your policy. Keep in mind it’s your coverage and you can cancel a policy whenever you wish so never feel that you are obligated to any particular company indefinitely.
Coverage specifics
Having a good grasp of a auto insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by auto insurance companies.
Auto liability insurance
Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 30/60/25 which stand for a $30,000 limit per person for injuries, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage pays for claims like medical expenses, structural damage, court costs and emergency aid. How much coverage you buy is a personal decision, but consider buying higher limits if possible. Texas requires drivers to carry at least 30/60/25 but you should consider buying more liability than the minimum.
The illustration below shows why the minimum limit may not be high enough to cover claims.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like chiropractic care, nursing services and surgery. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Uninsured and underinsured coverage
Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Jeep Grand Cherokee.
Due to the fact that many Texas drivers carry very low liability coverage limits (30/60/25), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Auto collision coverage
Collision coverage pays for damage to your Grand Cherokee resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as rolling your car, colliding with a tree, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your Grand Cherokee to get cheaper collision coverage.
Comprehensive coverages
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things such as theft, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Quote more to save more
When shopping online for car insurance, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find for the lowest price, but do not skimp to save money.
We covered many ideas to shop for Jeep Grand Cherokee insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.
More information is available at the links below
- Avoiding Deer Collisions (Insurance Information Institute)
- What Insurance is Cheapest for 18 Year Olds in San Antonio? (FAQ)
- How Much are Auto Insurance Quotes for Ride Shares in San Antonio? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Sonata in San Antonio? (FAQ)
- What Car Insurance is Cheapest for a GMC Acadia in San Antonio? (FAQ)
- How Much are San Antonio Auto Insurance Quotes for Nurses? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Vehicle Insurance in the U.S. (Wikipedia)
- Protect Yourself Against Auto Theft (Insurance Information Institute)