Who Has the Cheapest Insurance for a Jeep Grand Cherokee in Idaho?

Who Has the Cheapest Insurance for a Jeep Grand Cherokee in Idaho?

Your chances of finding cheap coverage for a Jeep Grand Cherokee in Idaho is contingent on a complex formula that factors things like the number of years of driving experience you have, if you have a lapse in coverage, and your choice of physical damage deductibles. Idaho drivers on average pay approximately $560 each year to buy Jeep Grand Cherokee insurance, but that amount is an estimate based upon a 50-year-old single female driver that wants full physical damage coverage and $1,000 deductibles.

There is a high probability that you are not 50 and maybe not even a female, possibly married instead of single, or maybe you’re a renter instead of a homeowner. Having even a minor difference in rating variables or coverage information could end up in a significant change in the cost of coverage for a Jeep Grand Cherokee.

Everyone has different rating factors, so the best method for finding the cheapest insurance price for your Jeep is to quote often and with as many companies as possible.

View Jeep Grand Cherokee Insurance Rates

The specific model of Grand Cherokee has an effect on the yearly cost, so the price you pay to insure a Grand Cherokee Laredo 2WD trim level will be $48 cheaper than the cost to insure the more expensive Grand Cherokee SRT-8 4WD version, as shown in the table below.

Jeep Grand Cherokee Insurance Rates in Idaho
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $96 $190 $266 $16 $80 $648 $54
Grand Cherokee Laredo 4WD $96 $190 $266 $16 $80 $648 $54
Grand Cherokee Limited 2WD $110 $224 $266 $16 $80 $696 $58
Grand Cherokee Limited 4WD $110 $224 $266 $16 $80 $696 $58
Grand Cherokee SRT-8 4WD $110 $224 $266 $16 $80 $696 $58
Get Your Own Custom Quote Go

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can revise premiums significantly.

Buying coverage from the right car insurance company can be difficult considering how many different companies insure vehicles in Idaho. The company information in the lists below may help you choose which companies to look at when looking for cheaper rates. These rankings only include large insurance companies, so smaller regional companies will not be included in this list.

Top 15 Auto Insurance Companies for a Jeep Grand Cherokee
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Rate increases following a ticket or accident

In a perfect world, the best way to snag the cheapest auto insurance rates in Idaho for a Grand Cherokee is to drive carefully and avoid traffic citations and accidents. The chart below demonstrates how citations and at-fault collisions can influence insurance costs for different age groups of insureds. The premiums are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2763,2969,3541],[‘Age 30’, 1433,1635,2207],[‘Age 40’, 1423,1623,2195],[‘Age 50’, 1291,1493,2069],[‘Age 60’, 1249,1451,2025],[‘Age 70’, 1515,1715,2291]]);var options = {title: ‘Violations, Accidents, and Idaho Jeep Grand Cherokee Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee in Idaho’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of an auto insurance policy in Idaho per year with no accidents and a clean driving record is $1,612. Factor in one speeding ticket and the average cost surges to $1,814, an increase of $202 each year. Then add one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Jeep Grand Cherokee goes up to an average of $2,388. That’s an increase of $776, or $65 per month, just for not driving responsibly!

Get discounts on Idaho car insurance

Auto insurance for a Grand Cherokee in IdahoInsurers that provide the cheapest insurance for a Jeep Grand Cherokee in Idaho may provide policy discounts that can reduce rates by as much as 25% or more if you are eligible. Larger auto insurance companies and a partial list of their discounts are:

Auto Insurance Discounts Available by Company
Discount Allstate Geico Progressive State Farm Farmers Liberty Mutual
Bundle discount Yes Yes Yes Yes Yes Yes
Multiple vehicles No Yes Yes Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes No Yes No Yes
Passive restraint Yes Yes No Yes Yes Yes
New car Yes No No Yes Yes No
Eco vehicle Yes No No No Yes Yes
Safe driver Yes Yes Yes Yes Yes No
Defensive driver training Yes Yes Yes Yes Yes No
Military No Yes Yes Yes Yes No
Occupational No Yes No No Yes Yes
Paid in full Yes Yes Yes No Yes Yes
Auto-pay Yes Yes Yes No Yes Yes
Loyalty No No Yes Yes Yes No
Smart student Yes Yes Yes Yes Yes Yes
Distant student Yes No Yes Yes Yes Yes
Own home No No Yes No Yes No
Use seat belts No Yes No No No No
Get quote online No No Yes No No No
Teen driver No No Yes No No Yes
Government employee No Yes No No No No
Compare Prices Go

The illustration below shows the difference between premium costs with and without discounts. The data is based on a male driver, no violations or accidents, Idaho state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, claim-free, multiple policy, marriage, accident-free, and vehicle safety discounts applied. In this example, the average savings per year on auto insurance for a Jeep Grand Cherokee is 14% or $288.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3041,2191],[‘Age 30’, 1563,1139],[‘Age 40’, 1559,1133],[‘Age 50’, 1415,1031],[‘Age 60’, 1367,995],[‘Age 70’, 1649,1189]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Jeep Grand Cherokee’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find cheaper car insurance for a Jeep Grand Cherokee

Here are many money-saving suggestions that can help drivers locate the cheapest coverage.

  • Save money by observing traffic laws and speed limits
  • Avoid having at-fault accidents
  • Drop full coverage on older vehicles
  • Drivers with good credit often pay less
  • Vehicles with safetly features generally cost less to insure
  • Higher deductibles mean lower rates
  • Comparison shop at least every other year

The final tip is remarkably significant, as was noted in this write-up. Prices fluctuate constantly, so drivers shouldn’t be resistant to buy a policy from a new company if a better deal can be had. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that dedication is costing lots of money. It only takes a couple minutes to compare prices to find cheaper auto insurance for a Jeep Grand Cherokee.

Cheap Jeep Grand Cherokee insurance quotes

Drivers have a lot of ways to shop for and buy auto insurance in Idaho, but the three most common are from a captive (or exclusive) agency like Liberty Mutual or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive.

They all have the same end result, but they differ slightly in how they provide price quotes.

Independent insurance agents work for many companies and can quote your policy with each one. These agents have the freedom to give you more rate choices, which may give you a better comparison. If they find a cheaper price, the business is moved internally and you can remain with the same agent.

An exlusive, or captive, agency is only able to write with a single company, for example Liberty Mutual and Allstate agents. This type of agents cannot provide multiple price quotes, so you will not be able to compare their rates to other companies.

Opting to purchase auto insurance direct means you forego an exlusive or independent agent and buy from a direct company like Geico or Esurance. Buying direct can be good for consumers who have an average risk profile and understand the exclusions of a policy.

So which way is best to find the cheapest insurance for a Jeep Grand Cherokee in Idaho? We would first guess that buying direct results in the best prices since no commissions are paid to an agent, but unfortunately, that is not the case. We could also say that going through an independent agent results in the best rates since they can quote with many companies, but that’s not always true, either. And sometimes, the exclusive agents may have prices that cannot be met by either independent or direct companies.

Since auto insurance rates vary so much, the guaranteed way to buy the cheapest policy is to do a thorough rate comparison. The ideal approach is to get price quotes all three ways in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.