Best Cheap Insurance Quotes for a Jeep Grand Cherokee in New York

The chances of finding the cheapest auto insurance for a Jeep Grand Cherokee in New York depends upon an enormous amount of factors such as whether the vehicle is new, the size of your vehicle, and if you have a clean driving record. Drivers in New York pay an average of $920 each year to buy Jeep Grand Cherokee insurance, but that is a projection calculated based on a 30-year-old single male who needs both comprehensive and collision coverage and $250 policy deductibles.

When projecting a rate like this, the problem is that you’re not a 30-year-old male, married instead of single, or maybe you just want liability only. Every driver has different characteristics, so the best way to find cheap car insurance rates for your Jeep is to take your time and compare rates from as many companies as possible.

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Your Jeep’s trim level has an effect on the yearly cost, so the price you pay to insure a Grand Cherokee Laredo 2WD trim level will be $92 less expensive the price to insure the higher-priced Grand Cherokee SRT-8 4WD version, as shown in the table below.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can modify coverage prices noticeably.

Finding out which company has the lowest-priced car insurance rates for a Jeep Grand Cherokee takes a bit more work in order to find a policy that fits your budget. Each auto insurer uses a little different formula to establish rates, so let’s rank the car insurance companies with the most affordable rates in New York.

It’s important that you understand New York car insurance rates are determined by lots of factors that can increase the price you have to pay. Simply having a birthday, becoming a homeowner, or getting a DUI can trigger changes in premium that can cause some rates to be cheaper than competitors.

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USAA offers some of the most affordable car insurance rates in New York at around $1,199 per year. Erie, Utica National, Travelers, and Progressive also make the cut as some of the more affordable New York insurance companies.

In the above rates, if you are insured with Erie and switched to USAA, you may see savings of approxmiately $56. Customers with Utica National could save as much as $290 a year, and Travelers policyholders might lower prices by up to $330 a year.

These premiums are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Jeep Grand Cherokee. So the car insurance company that has the lowest price for you may not even be in the list of companies above. That illustrates why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

The example below demonstrates how deductible levels can increase or decrease insurance prices when quoting cheap insurance for a Jeep Grand Cherokee. The information is based on a single male driver, full coverage, and no discounts are taken into consideration.

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As shown above, a 50-year-old driver could cut expenses by $304 a year by switching from a $100 deductible up to a $500 deductible, or save $458 by switching to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could potentially save $1,004 or even more just by choosing higher deductibles when buying full coverage.

When using a larger deductible, it’s a good idea to have additional savings on hand to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

How to find the best cheap insurance for a Jeep Grand Cherokee in New York

It’s not impossible to find cheaper rates, and here are many money-saving solutions that can help New York drivers buy low-cost coverage.

• Bundle home and auto and save
• Improve your credit rating
• Do not get into accidents that are your fault
• Lower rates by purchasing a safer vehicle
• Remove physical damage coverage on older vehicles
• Shop around for lower rates once a year

The last idea is remarkably important, as was noted in the prior article. Rates fluctuate considerably, so don’t be hesitant to buy from a new company if a cheaper rate is available.

Having a favorite company is great, but it’s not recommended if that loyalty results in overpaying thousands of dollars over the life of your policy. In less than five minutes you could shop around and find cheaper insurance for a Jeep Grand Cherokee.

Who has the cheapest Jeep Grand Cherokee insurance quotes?

You have many ways to quote and buy car insurance in New York, but the most prevalent methods are from a non-exclusive or independent agent, a captive (or exclusive) agent like State Farm or Auto-Owners, or buying direct from a company like Progressive or Geico. Each way has the same basic steps, but it’s good to know the differences in how they give price quotes.

Independent insurance agents write for multiple companies and can compare rates with each one. Independent agents have the freedom to give you a larger rate selection, which can give you the best shot at cutting your rates. If your agent finds better pricing, your policy is moved internally without having to get a different agent.

An agent who is captive is contracted to one company, two popular examples being Allstate or State Farm agents. Exclusive agents normally do not have the ability to provide a range of price quotes, which does not give you the best rate comparison.

Consumers who buy car insurance direct do not use an independent or exclusive agent and buy buying direct from a company like Geico or Esurance. Buying direct may be good for families who do not need high levels of coverage and know more than average about what coverage options they need.

So which of those three methods works best for finding the best cheap insurance for a Jeep Grand Cherokee in New York? Most drivers assume that shopping direct saves money since that eliminates agent commissions, but unfortunately, it’s not that simple. We’d also like to say an independent agency is the best way to go because they can quote many companies, but again, that’s not a true statement. In many cases, exclusive agents have really good rates that are impossible to beat.

Since car insurance prices are based on many different factors, really the only way to make sure you’re not overpaying for car insurance is to compare lots of quotes. Take some time and get prices from all three to have enough rates to compare. To see some of the cheapest online companies available, click here to view.