How to Compare Oakland Jeep Grand Cherokee Insurance

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The best way to quote cheaper Jeep Grand Cherokee insurance in Oakland is to start comparing prices regularly from different companies in California.

  • Step 1: Try to learn a little about policy coverages and the things you can change to lower rates. Many rating criteria that result in higher prices like speeding tickets, accidents and a less-than-favorable credit score can be rectified by making minor changes in your lifestyle.
  • Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple sources.
  • Step 3: Compare the price quotes to your existing coverage and see if you can save money. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Step 4: Tell your current company of your decision to cancel the current policy. Submit the application along with any required down payment to the newly selected company. Immediately safely store the certificate verifying proof of insurance somewhere easily accessible.

A crucial key to this process is to use the same level of coverage on every quote and and to get rates from every insurance company. Doing this ensures a level playing field and a thorough price selection.

Insurance for Jeep Grand CherokeeRegrettably, 70% of consumers have purchased from the same company for well over three years, and practically 40% of auto insurance customers have never even shopped around for cheap coverage. With the average auto insurance premium being $1,847, American drivers could save themselves nearly $850 a year just by shopping around, but they underestimate the benefits if they swap their current policy for a cheaper one.

Finding the cheapest auto insurance coverage in Oakland is really quite simple as long as you have a good starting point. If you have auto insurance now, you should be able to save money using this strategy. But California consumers need to have an understanding of how insurance companies determine prices because it varies considerably.

Where can I get affordable Oakland Jeep Grand Cherokee insurance?

To find the best auto insurance prices, there are several ways of comparing price quotes from different companies. The easiest way by far to find the lowest Jeep Grand Cherokee rates is to get quotes online.

Doing price comparisons online is so simple that it makes it a waste of time to drive around to different Oakland agent offices. The fact that you can get quotes online can eliminate the need for a local agent unless you want the professional advice of an agent trained in personal lines coverage. Drivers can comparison shop online and have a local agent actually service the policy.

Just remember that comparing more rates from different companies helps you find more affordable insurance.

The car insurance companies shown below are ready to provide quotes in California. If you want the best auto insurance in CA, we recommend you compare several of them in order to get a fair rate comparison.

Why you need insurance

Even though Oakland Grand Cherokee insurance rates can get expensive, insurance may be mandatory for several reasons.

  • Most states have compulsory liability insurance requirements which means you are required to carry a specific level of liability if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Jeep has a lienholder, most lenders will make it a condition of the loan that you have physical damage coverage to protect their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Jeep at a significantly higher premium and require you to fork over the higher premium.
  • Insurance safeguards your Jeep and your assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If your Jeep gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of buying insurance are definitely more than the cost, especially when you need to use it. Despite what companies tell you, the average driver is currently overpaying as much as $800 each year so we recommend shopping around each time the policy renews to ensure rates are competitive.

Jeep Grand Cherokee insurance charts and tables

The information shown below outlines a range of rate quotes for Jeep Grand Cherokee models. Understanding more about how insurance quotes are calculated can help drivers make decisions on the best policy coverages.

Jeep Grand Cherokee Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $270 $454 $450 $26 $134 $1,334 $111
Grand Cherokee Laredo 4WD $270 $454 $450 $26 $134 $1,334 $111
Grand Cherokee Limited 2WD $304 $536 $450 $26 $134 $1,450 $121
Grand Cherokee Limited 4WD $304 $536 $450 $26 $134 $1,450 $121
Grand Cherokee SRT-8 4WD $304 $536 $450 $26 $134 $1,450 $121
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in Oakland location which can revise premiums significantly.

Raise deductibles and save

A question often asked by Oakland drivers is where should you set your physical damage deductibles. The premium rates below may help to illustrate the differences in price when you choose different insurance deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Jeep Grand Cherokee insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $380 $686 $442 $26 $132 $1,691 $141
Grand Cherokee Laredo 4WD $380 $686 $442 $26 $132 $1,691 $141
Grand Cherokee Limited 2WD $430 $810 $442 $26 $132 $1,865 $155
Grand Cherokee Limited 4WD $430 $810 $442 $26 $132 $1,865 $155
Grand Cherokee SRT-8 4WD $430 $810 $442 $26 $132 $1,865 $155
Get Your Own Custom Quote Go
Jeep Grand Cherokee insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $210 $362 $442 $26 $132 $1,172 $98
Grand Cherokee Laredo 4WD $210 $362 $442 $26 $132 $1,172 $98
Grand Cherokee Limited 2WD $238 $426 $442 $26 $132 $1,264 $105
Grand Cherokee Limited 4WD $238 $426 $442 $26 $132 $1,264 $105
Grand Cherokee SRT-8 4WD $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in vehicle garaging location which can lower or raise prices greatly.

Based on this data, using a $100 deductible will cost you about $47 more each month or $564 each year than buying the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 19 months between claims, you would probably save some money if you choose the higher deductible.

The diagram below demonstrates how deductibles and can influence Jeep Grand Cherokee premium costs for different age groups of insureds. The price estimates are based on a married male driver, full coverage, and no discounts are factored in.

How careless driving impacts car insurance rates

The chart below illustrates how speeding tickets and fender-benders influence Jeep Grand Cherokee yearly insurance costs for each age group. The data assumes a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Jeep Grand Cherokee insurance premiums by gender in Oakland

The example below visualizes the comparison of Jeep Grand Cherokee insurance costs for male and female drivers. The premium estimates are based on no accidents or driving violations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied.

Full coverage or liability only

The example below compares Jeep Grand Cherokee premium costs with and without full coverage. The prices are based on no violations or claims, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Should you pay for full coverage or liability only?

There is no specific rule to exclude full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Jeep Grand Cherokee claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after you pay the deductible. If it's costing you more than $300 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where only buying liability is not financially feasible. If you haven't paid off your loan, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Oakland insurance discounts for a Jeep Grand Cherokee

Some providers don't always publicize all available discounts very clearly, so below is a list some of the best known and also the lesser-known ways to save on car insurance. If they aren't giving you every credit available, you're just leaving money on the table.Discount car insurance

  • Military Deployment Discount - Being on active duty in the military may qualify for rate reductions.
  • Discount for Swiching Early - Select companies give a discount for switching companies early. You can save around 10% with this discount.
  • Telematics Devices - People who choose to allow their company to scrutinize driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system may see discounts if they are good drivers.
  • Drivers Education - Have your child enroll and complete driver's education if it's offered in school.
  • No Charge for an Accident - This one is not really a discount per se, but companies like GEICO, Allstate and Liberty Mutual will allow you to have one accident before they charge you more for coverage if you are claim-free prior to the accident.
  • Multi-policy Discount - If you can bundle your home and auto insurance with one insurance company you will save nearly 15% which can help you find the cheapest Jeep Grand Cherokee insurance in Oakland.
  • Discount for Life Insurance - Select car insurance companies reward you with lower premium rates if you buy auto and life insurance together.
  • Passive Restraint Discount - Options like air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Responsible Driver Discount - Safe drivers can pay as much as 50% less than drivers with accidents.

A quick disclaimer, most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren't that generous.

The chart below illustrates the comparison of Jeep Grand Cherokee auto insurance rates with and without discounts applied to the policy rates. The premiums are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, homeowner, multi-policy, and claim-free discounts applied.

A few companies that may offer some of the discounts shown above possibly include:

When comparing rates, check with every prospective company how you can save money. A few discounts may not apply to policyholders everywhere. For a list of providers who offer online Jeep Grand Cherokee insurance quotes in Oakland, click this link.