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

The chances of buying cheaper coverage for a Jeep Grand Cherokee in Hawaii is contingent on dozens of factors such as whether you are a homeower, the performance level of your vehicle, and citations on your driving record. Drivers in Hawaii pay an average rate of $610 each year to buy Jeep Grand Cherokee insurance, but that policy rate is a projection based upon a 40-year-old married female that includes comprehensive and collision coverage and $1,000 deductibles.

Chances are that rate is not what you would pay, because most likely you may not be 40 years old (or even female), you might be single instead of married, and you possibly have other drivers on your policy that need factored in. Auto insurance requires individual risk assessment, so the best method for finding the cheapest coverage for your Jeep is to make a habit of comparing rates at every renewal. In just a few minutes you will receive prices from some of the best insurers available.

Insure Your Jeep for Less

The trim level of your Grand Cherokee tends to have a direct effect on the coverage cost, so the price you will be charged to insure a Grand Cherokee Laredo 2WD trim level will be $52 less than the insurance cost for the high end Grand Cherokee SRT-8 4WD trim level, as demonstrated by the prices below.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Information does not factor in Hawaii location which can change prices substantially.

Choosing the best insurance company can be rather challenging considering how many companies are available to choose from in Hawaii. The company ratings below could help you choose which companies you want to consider when trying to find the cheapest insurance for a Jeep Grand Cherokee.

The rankings below are for companies with a national presence, so companies that focus mainly on Hawaii business are not factored into this list. If you’d like to compare prices from these and other competitive companies, click this link.

The diagram below shows how choosing a deductible can impact insurance premiums when trying to find cheap insurance for a Jeep Grand Cherokee. The price estimates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3097,2823,2523,2239],[‘Age 30’, 1603,1477,1327,1183],[‘Age 40’, 1593,1455,1299,1151],[‘Age 50’, 1447,1325,1187,1055],[‘Age 60’, 1399,1283,1149,1023],[‘Age 70’, 1695,1559,1413,1273]]);var options = {title: ‘Impact of Higher Deductibles on Jeep Grand Cherokee Insurance Rates in Hawaii’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could cut expenses by $260 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $392 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, can cut as much as $858 each year by choosing a larger deductible amount. If you do raise deductibles, it is essential to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Compare quotes and save

Hawaii auto insurance rates are influenced by many factors that can increase the cost of having a policy. Simply turning a year older, becoming a homeowner, or getting into an accident may cause policy rate changes that can make some companies cheaper than competitors. Not only may your risk profile change, but companies change prices at least once a year in order to maintain liquidity for claims. Heavier than normal losses may result in additional premium costs, while better underwriting can produce lower-cost Grand Cherokee insurance rates.

As an example, the graph below shows which company has the cheapest car insurance in Hawaii for a 45-year-old male driver with no accidents or violations, and good credit. When comparing rates based on his current risk factors, USAA quotes the most affordable car insurance rates in Hawaii at $964 per year. This is $632 less than the average policy premium paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive round out the rest of the best Hawaii auto insurance companies.

google.charts.setOnLoadCallback(drawHIWitcqcibChart);function drawHIWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 964, ‘#629100’],[‘State Farm’, 1076, ‘#517800’],[‘GEICO’, 1376, ‘#436400’],[‘Liberty Mutual’, 1421, ‘#375300’],[‘Progressive’, 1560, ‘#2D4500’]]);var options = {title: ‘Best Car Insurance Rates for a Jeep Grand Cherokee’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1660,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Let’s now give the driver from the first rate comparison some claims, bad credit, and a blemish on his driving record. Since each auto insurer uses their own calculation for establishing rates, comparing rates may result in a slightly different list of affordable companies as shown below.

google.charts.setOnLoadCallback(drawHIWcqcibChart);function drawHIWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘State Farm’, 1614, ‘#FF7100’],[‘USAA’, 1946, ‘#D45E00’],[‘Liberty Mutual’, 2131.5, ‘#B04E00’],[‘First of Hawaii’, 2185.7, ‘#924100’],[‘GEICO’, 2201.6, ‘#793600’]]);var options = {title: ‘Car Insurance Rates with Claims and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:2301.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

State Farm now has the cheapest auto insurance in Hawaii with USAA, Liberty Mutual, First of Hawaii, and GEICO also having competitive pricing. This example demonstrates why Hawaii drivers need to compare many different companies to get the most affordable car insurance quotes for a Jeep Grand Cherokee.

Insurance rates can be altered by many different factors and can decrease or increase without notice, so the best option the last time you shopped your coverage around may now be quite expensive.

How to find cheap insurance for a Jeep Grand Cherokee in Hawaii

It is possible to find better rates, and here are many penny-pinching solutions that can help you find cheaper coverage.

• Drop full coverage on older vehicles
• Good credit can mean cheaper rates
• Buy a safer vehicle
• Do not get into accidents
• Raise deductibles to save money
• Do not get tickets or violations
• Ensure you have the best deal by shopping around regularly

The last idea is especially important, as was stressed in this write-up. Coverage rates vary considerably, so don’t be afraid to switch to a new company if you find a cheaper price.

Brand loyalty is not necessarily bad, but it’s not a good idea if that loyalty ends up costing a small fortune. Now is a great time to compare prices to find cheaper insurance for a Jeep Grand Cherokee.