Are you tired of overpaying and want more competitive Jeep Grand Cherokee insurance in Aurora? Searching for cheaper insurance for your Jeep Grand Cherokee in Colorado can be an all-consuming task, but you can follow our car insurance buying tips to save time. There is a right way and a wrong way to buy car insurance so we're going to tell you the proper way to quote coverages for your Jeep and find the best price possible.
It's a great practice to take a look at other company's rates periodically because car insurance rates change regularly. If you had the best rate on Jeep Grand Cherokee insurance in Aurora a couple years back there may be better deals available now. Block out anything you think you know about car insurance because we're going to show you one of the best ways to save on car insurance.
Locating the best rates in Aurora can really be easy if you know what you're doing. If you have insurance now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates and still have adequate protection. You only need to know the most efficient way to compare rate quotes over the internet.
Jeep Grand Cherokee insurance discounts in Aurora
The price of auto insurance can be rather high, but you may qualify for discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time of purchase, but less common discounts must be requested specifically before you will receive the discount.
- Low Mileage - Low mileage vehicles may enable drivers to earn cheaper rates.
- Discount for Life Insurance - Insurance carriers who offer life insurance give a lower auto insurance rate if you buy a life policy as well.
- Club Memberships - Joining a civic or occupational organization in Aurora is a good way to get lower rates on your policy.
- Drive Safe and Save - Drivers without accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
- No Charge for an Accident - This one is not really a discount per se, but certain companies will let one accident slide before they charge you more for coverage if you have no claims before the accident.
- Paperwork-free - A few companies give back up to $50 for buying your policy online.
- Air Bags and Passive Restraints - Vehicles equipped with air bags or automatic seat belts can get savings of 25 to 30%.
- Discount for Multiple Policies - When you combine your auto and homeowners insurance and insure them with the same company you could get a discount of at least 10% off all policies.
- Smart Student Discounts - Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
A quick disclaimer, many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky.
Car insurance companies that may offer quotes with many of the previously listed discounts include:
It's a good idea to ask all the companies which discounts you qualify for. A few discounts might not apply in your area. To locate providers with significant discounts in Colorado, click here.
Buy Aurora Jeep Grand Cherokee insurance online
Many insurance companies like Progressive, Allstate and GEICO make it easy to get coverage price quotes directly from their websites. Getting online rates for Jeep Grand Cherokee insurance in Aurora is very simple as you just enter the amount of coverage you want into the form. Once you submit the form, the quote system will order information on your driving record and credit history and returns a price quote based on the data you entered.
Being able to quote online for Jeep Grand Cherokee insurance in Aurora makes it a lot easier to compare rates and it's also necessary to do this in order to get a lower rate.
In order to compare pricing, compare rates now from the companies shown below. If you have your current policy handy, we recommend you duplicate deductibles and limits exactly as shown on your declarations page. This ensures you will have a price comparison for similar insurance coverage.
The companies shown below are ready to provide price comparisons in Aurora, CO. If more than one company is shown, it's a good idea that you click on several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$290||$616||$456||$28||$136||$1,526||$127|
|Grand Cherokee Laredo 4WD||$192||$288||$460||$28||$138||$1,106||$92|
|Grand Cherokee Limited 2WD||$276||$534||$474||$28||$142||$1,454||$121|
|Grand Cherokee Limited 4WD||$162||$332||$396||$24||$118||$1,032||$86|
|Grand Cherokee SRT-8 4WD||$238||$458||$338||$20||$100||$1,154||$96|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in specific garaging location which can decrease or increase price quotes substantially.
Impact of citations and accidents on Aurora insurance rates
The example below shows how violations and fender-benders increase Jeep Grand Cherokee premium costs for different age groups. The data is based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied.
Five Things That Impact Your Insurance Costs
An important part of buying insurance is that you know the factors that go into determining your car insurance rates. When you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find big savings.
The factors shown below are some of the items that factor into prices.
Continuous coverage saves money - Having a gap between insurance policy dates is a sure-fire way to pay more for car insurance. In addition to paying higher premiums, getting caught without coverage will get you fines or a revoked license. You may then have to prove you have insurance by filing a SR-22 with the Colorado motor vehicle department.
Car insurance claims cost money - Companies in Colorado generally give lower rates to people who only file infrequent claims. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Insurance coverage is intended for more catestrophic claims.
Safeguard your assets with liability protection - The liability section of your policy kicks in if ever you are found liable for physical damage or personal injury to other. Your liability coverage provides you with a defense in court starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
Drive less and pay lower prices - Driving more miles in a year the more you will pay for car insurance. Most companies charge rates partially by how you use the vehicle. Cars and trucks that do not get driven very much can be on a lower rate level than those that get driven frequently. A policy that improperly rates your Grand Cherokee is just wasting money. Ask your agent if your car insurance policy shows the right rating data.
Bundle policies and save - Lots of insurers allow better rates to people who buy several policies from them in the form of a multi-policy discount. The discount can add up to 10 percent or more. Even with this discount applied, it's in your best interest to get quotes from other companies to verify if the discount is saving money. Consumers may save money by buying insurance from more than one company.
Insurance losses for a Jeep Grand Cherokee - Companies use past insurance losses to help set a rate to offset losses. Models that historically have higher number or severity of losses will have increased rates. The next table illustrates the insurance loss data for Jeep Grand Cherokee vehicles.
For each coverage category, the loss probablilty for all vehicles, regardless of manufacturer or model, is represented as 100. Values that are under 100 represent a good loss history, while percentages above 100 point to more frequent losses or a tendancy for claims to be larger.
Jeep Grand Cherokee Insurance Loss Statistics
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Jeep Grand Cherokee 4dr 2WD||81||111||71||62||60||94|
|Jeep Grand Cherokee 4dr 4WD||91||112||98||67||63||89|
Statistics from IIHS.org for 2013-2015 Model Years
Don't I need to contact an insurance agency?
Certain consumers just want to get advice from a local agent and doing that can be a smart decision Most agents are trained to spot inefficiencies and help in the event of a claim. One of the benefits of getting free rate quotes online is the fact that you can find cheap insurance rates but still work with a licensed agent.
By using this form (opens in new window), your insurance data is immediately sent to local insurance agents who will return price quotes to get your business. You won't need to drive around since rate quotes are delivered to you. If you have a need to compare prices from a specific insurance company, just find their quoting web page and fill out the quote form the provide.
Finding a good provider is decision based upon more than just a cheap quote. The answers to these questions are important, too.
- Will the agent or a CSR service your policy?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are they properly licensed to sell insurance in Colorado?
- By raising physical damage deductibles, how much would you save?
- Does the agent have professional designations like CIC, CPCU or AIC?
When researching a reputable agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Insurance agents are categorized either independent (non-exclusive) or exclusive. Both types of agents can insure your vehicles, but it's important to know the difference in how they write coverage because it can impact which type of agent you select.
These agents can only quote rates from one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot place coverage with different providers so it's a take it or leave it situation. They receive extensive training in insurance sales and that enables them to sell even at higher rates. A lot of people purchase coverage from exclusives mostly because of high brand loyalty and solid financial strength.
The following are Aurora exclusive agents willing to provide price quotes.
- American Family Insurance - Rick Laikola Agency Inc.
3102 S Parker Rd Ste A16 - Aurora, CO 80014 - (303) 696-2666 - View Map
- Lawrence Neal - State Farm Insurance Agent
15037 E Colfax Ave k - Aurora, CO 80011 - (303) 340-8849 - View Map
- State Farm: Anne Sandoval
18511 E Hampden Ave #210 - Aurora, CO 80013 - (303) 699-8883 - View Map
Agents of this type are not employed by any specific company so they have the ability to put coverage through many companies and find you cheaper rates. If they find a lower price, an independent agent can move your coverage and you won't have to switch agencies.
If you are comparing rate quotes, we recommend you include several independent agencies to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies which can save you money.
Shown below are Aurora independent agencies that can give you price quote information.
- BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map
- All Drivers Insurance
12142 E Mississippi Ave - Aurora, CO 80012 - (303) 695-1000 - View Map
- A All City Auto Insurance
9720 E Colfax Ave - Aurora, CO 80010 - (303) 364-0555 - View Map
Why auto insurance is not optional
Even though Aurora Grand Cherokee insurance rates can get expensive, auto insurance is required in Colorado but also provides important benefits.
- Just about all states have minimum liability requirements which means you are required to carry a specific level of liability insurance in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you bought your Grand Cherokee with a loan, most banks will require that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the lender will be forced to insure your Jeep at an extremely high rate and require you to reimburse them much more than you were paying before.
- Auto insurance protects both your vehicle and your assets. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your Jeep gets damaged, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of having auto insurance definitely exceed the cost, especially for larger claims. On average, a vehicle owner in Aurora overpays as much as $800 each year so shop around every year to help ensure money is not being wasted.
Shop around and save
People leave their current company for any number of reasons including denial of a claim, delays in paying claims, high prices or even policy cancellation. Whatever your reason, switching companies can be easy and end up saving you some money.
You just read quite a bit of information on how to find cheap Jeep Grand Cherokee insurance in Aurora. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may even discover the lowest priced car insurance comes from a lesser-known regional company.
When searching for inexpensive Aurora car insurance quotes, it's not a good idea to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to regret that the savings was not a smart move. The aim is to buy the best coverage you can find at a price you can afford, but do not skimp to save money.