How Much are Insurance Quotes for a Jeep Grand Cherokee in Washington?

The chances that you’ll find affordable car insurance for a Jeep Grand Cherokee in Washington hinges on a very complex rating algorithm that uses multiple factors such as whether the vehicle is new, your geographic location, and any prior driving offenses you have. Drivers in Washington pay around $1,010 every 12 months for Grand Cherokee insurance, but that amount is an approximation assuming a 40-year-old single male driver who requires full physical damage coverage and $250 deductibles.

There is a very good chance that you are not exactly 40 years old and possibly not even male, possibly married instead of single, and maybe your Grand Cherokee just needs liability-only coverage. Insurance is an individual thing, so the most reliable way to find the most affordable coverage for your Jeep is to make a habit of comparing prices at least once a year.

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Your Jeep’s trim level will most likely have an effect on the coverage cost, so the rate you pay to insure a Grand Cherokee Laredo 2WD trim level will cost $106 less than the price to insure the more expensive Grand Cherokee SRT-8 4WD trim level, as shown in the prices below.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in specific location which can raise or lower coverage rates noticeably.

Buying low-priced insurance is difficult, and deciding which insurers offer the cheapest car insurance rates for a Jeep Grand Cherokee will involve even more perseverance. Every car insurance company uses a little different formula to set their prices, so let’s take a look at the car insurance companies with the most affordable rates in Washington.

Keep in mind that Washington car insurance rates are determined by lots of factors that will increase or decrease the policy premium. This is why consumers need to take the time to perform an extensive rate comparison to get the lowest insurance rates for a Jeep Grand Cherokee. Insurance prices are impacted by many factors and can change without notice, so the most affordable company when you last compared rates may now be one of the higher cost companies.

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Capital may have some of the best car insurance rates in Washington at around $761 each year. Grange, Nationwide, PEMCO, and Mutual Enumclaw are also some of the lowest-priced Washington auto insurance companies.

As shown in the table above, if you have coverage with PEMCO and switched to Capital, you could realize a yearly savings of in the neighborhood of $233. Insureds with Mutual Enumclaw might save as much as $273 a year, and Travelers policyholders might lower prices by $277 a year.

Understand that those estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific rating modification for a Jeep Grand Cherokee. So the car insurance company that can offer you the best price may not even be in the list of companies shown earlier. That points out the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Liability-only versus full coverage

Finding cheap insurance for a Jeep Grand Cherokee in Washington is probably important to most drivers, and one of the quickest ways to reduce the cost of insurance is to not buy full coverage. The chart below visualizes the comparison of car insurance costs with full coverage compared to only the Washington minimum liability coverage. The costs are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2677,1051],[‘Age 30’, 1399,579],[‘Age 40’, 1371,537],[‘Age 50’, 1253,503],[‘Age 60’, 1217,495],[‘Age 70’, 1505,659]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee in Washington’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, full coverage costs an extra $1,570 per year over having just liability coverage. That amount may make you wonder if buying full coverage is a waste of money. There is no specific rule for eliminating full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Types of discounts on Washington insurance

Car insurance companies that offer cheap insurance for a Jeep Grand Cherokee in Washington may have premium discounts that may potentially lower prices by as much as 30% if you qualify. A few popular companies and some of the premium reductions they offer are outlined below.

The diagram below shows the difference between premium costs with and without discounts applied to the premium. The premiums are based on a male driver, no claims or driving violations, Washington state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, vehicle safety, passive restraint, multiple vehicle, homeowner, and defensive driving course discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for a Jeep Grand Cherokee is 15% or $177.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3793,2731],[‘Age 30’, 1945,1415],[‘Age 40’, 1943,1409],[‘Age 50’, 1763,1281],[‘Age 60’, 1703,1237],[‘Age 70’, 2055,1483]]);var options = {title: ‘Comparison of 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);}