Car Insurance Quotes for a Jeep Grand Cherokee in Mesa

We don’t have to tell you that auto insurance companies want to prevent you from shopping around. Insureds who compare rates at least once a year will most likely buy a new policy because there is a good chance of finding a lower rate. A recent survey revealed that people who made a habit of comparing rates saved on average $865 annually compared to policyholders who never shopped around for better prices.

If finding budget-friendly insurance is your intention, then understanding the best ways to find and compare coverage rates can make it simple to find affordable coverage.

The recommended way to find cheaper Jeep Grand Cherokee insurance in Mesa is to start doing a yearly price comparison from providers that insure vehicles in Arizona.

First, spend some time learning about individual coverages and the factors you can control to prevent high rates. Many factors that are responsible for high rates like traffic tickets, fender benders, and a less-than-favorable credit history can be improved by being financially responsible and driving safely.

Second, request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from many different companies.

Third, compare the new rates to your existing policy to see if switching to a new carrier will save money. If you can save money, make sure coverage is continuous and does not lapse.

Fourth, give proper notification to your current agent or company of your decision to cancel your current coverage. Submit a down payment along with a signed application for your new policy. As soon as you have the new policy, place the new certificate of insurance with your vehicle’s registration.

The most important part of shopping around is to try to compare identical coverage information on every quote request and and to get prices from as many auto insurance providers as possible. This helps ensure the most accurate price comparison and a thorough price selection.

Most of the larger companies allow consumers to get coverage prices online. Comparing prices online for Jeep Grand Cherokee insurance in Mesa is pretty painless as all you need to do is type in your personal and coverage information into the quote form. After you complete the form, their rating system sends out for your credit score and driving record and returns a price quote based on these factors. The ability to get online rates for Jeep Grand Cherokee insurance in Mesa simplifies rate comparisons, and it’s very important to do this if you want to get the cheapest price.

To save time and get comparison pricing now, check out the car insurance providers below. To compare your current rates, we recommend you type in the coverages identical to your current policy. This helps ensure you’re receiving comparison quotes for exact coverage.

The auto insurance companies shown below provide comparison quotes in Mesa, AZ. To buy cheap auto insurance in Arizona, it’s a good idea that you get prices from several of them to get the best price comparison.

Car insurance protects more than just your car

Despite the high cost, buying car insurance serves an important purpose.

• Most states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability insurance in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Jeep Grand Cherokee with a loan, almost every bank will force you to carry insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may buy a policy for your Jeep at an extremely high rate and require you to pay much more than you were paying before.
• Insurance safeguards your car and your assets. It will also cover all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your car insurance policy will cover the repair costs.

The benefits of having insurance greatly outweigh the cost, especially if you ever need it. According to a 2015 survey, the average American driver is wasting up to $700 annually so we recommend shopping around at least once a year to save money.

Detailed insurance information

The information displayed below showcases different insurance prices for Jeep Grand Cherokee models. Knowing how rate quotes are figured is important for making smart choices when selecting a policy.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in specific garaging location which can lower or raise rates significantly.

Where to set your deductibles

When buying auto insurance, a common question is the level to set your comp and collision deductibles. The following tables can help you understand the rate fluctuation between high and low physical damage coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in your specific Mesa location which can impact coverage prices substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $23 more each month or $276 each year averaged for all Grand Cherokee models than selecting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 33 months between claim filings, you would probably save some money if you decide on a higher deductible.

The example below highlights how deductible selection and can impact Jeep Grand Cherokee insurance costs for different age groups. The data is based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Determine discounts to get cheap Mesa auto insurance quotes

Auto insurance is neither fun to buy or cheap, but you may find discounts to help bring down the price. Certain credits will be shown at quote time, but lesser-known reductions have to be requested specifically prior to getting the savings. If you don’t get every credit available, you are paying more than you should be.

• Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more as compared to drivers with claims.
• Driver Safety – Completing a driver safety course can save you 5% or more depending on where you live.
• Accident Free – Drivers who don’t have accidents get the best auto insurance rates when compared to drivers who are more careless.
• Telematics Devices – Drivers who elect to allow their company to look at driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as they are good drivers.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts as much as 30%.
• Multiple Policy Discount – If you can combine your auto and home policy and insure them with the same company they may give you a discount of up to 20% and get you cheap Grand Cherokee insurance.
• Memberships – Affiliation with a professional or civic organization may earn a discount on auto insurance.
• Senior Citizens – Drivers over the age of 55 may be able to get a discount up to 10%.
• Save with a New Car – Buying a new car model may earn a small discount because newer models have to meet stringent safety requirements.
• Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off with some auto insurance companies.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount will lower your policy premium.

The diagram below illustrates the difference between Jeep Grand Cherokee yearly insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, safe-driver, homeowner, and multi-policy discounts applied.

A few companies that may offer policyholders these benefits include:

• Esurance
• The Hartford
• AAA
• GEICO
• State Farm

It’s a good idea to ask each company or agent how you can save money. Some discounts may not be offered in your area. If you would like to see a list of providers with the best discounts in Arizona, click here.