How long has it been since the last time you looked for more affordable Jeep Grand Cherokee insurance in Colorado Springs? Are you drained from scraping nickels together to pay your car insurance bill each month? You are in the same boat as most other drivers in Colorado.

Insurance rates Jeep Grand Cherokee in Colorado SpringsIt's amazing but a large majority of car insurance policyholders in Colorado renewed their policy with the same company for more than four years, and roughly 40% of drivers have never even shopped around for affordable coverage. Many drivers in the United States could save an average of about 46.5% each year, but they assume it's a waste of time to find affordable insurance by shopping around. Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the best coverage at the best rates possible on Jeep Grand Cherokee insurance in Colorado Springs.

If you are insured now or are looking for a new policy, you can use this information to get lower rates without reducing protection. Locating the best insurance company for you in Colorado Springs is quite easy. You only have to learn the fastest way to compare prices online.

Car insurance rates and discounts

Some insurance providers don't always publicize all possible discounts very clearly, so the list below details a few of the more common and also the lesser-known credits available to you. If they aren't giving you every credit you qualify for, you are just wasting money.Save money with discounts

Discounts lower rates, but most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. Just because you may think it's possible to get free car insurance, it just doesn't work that way.

Large car insurance companies and a summarized list of policyholder discounts are outlined below.

When getting a coverage quote, ask every prospective company to apply every possible discount. Some discounts listed above might not be available to policyholders in your state. To choose insurers with the best Jeep Grand Cherokee insurance discounts in Colorado, click here.

The method we recommend to compare rates for Jeep Grand Cherokee insurance in Colorado Springs is to know the trick all the major auto insurance companies have advanced systems to give rate comparisons. To begin a comparison, all you need to do is spend a couple of minutes providing details like if you have an active license, whether you are married, what your job is, and how you use your vehicles. Your rating data is automatically sent to insurance companies and they return quotes immediately.

To start a rate quote now, click here then complete the form.

The providers in the list below offer price comparisons in Colorado. If multiple companies are shown, we recommend you visit several of them in order to find the cheapest rates.

Jeep Grand Cherokee Insurance Cost Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $186 $354 $474 $28 $142 $1,184 $99
Grand Cherokee Laredo 4WD $266 $526 $426 $26 $128 $1,372 $114
Grand Cherokee Limited 2WD $342 $644 $352 $20 $106 $1,464 $122
Grand Cherokee Limited 4WD $262 $534 $330 $20 $98 $1,244 $104
Grand Cherokee SRT-8 4WD $294 $608 $456 $28 $136 $1,522 $127
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in vehicle location which can modify coverage prices substantially.

Premiums by gender and age

The diagram below illustrates the difference between Jeep Grand Cherokee insurance premiums for male and female drivers. The price estimates are based on no violations or accidents, comp and collision included, $100 deductibles, drivers are single, and no policy discounts are applied.

How high should deductibles be?

One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The comparisons below lay out the price difference when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Jeep Grand Cherokee insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $272 $458 $352 $20 $106 $1,233 $103
Grand Cherokee Laredo 4WD $272 $458 $352 $20 $106 $1,233 $103
Grand Cherokee Limited 2WD $306 $538 $352 $20 $106 $1,347 $112
Grand Cherokee Limited 4WD $306 $538 $352 $20 $106 $1,347 $112
Grand Cherokee SRT-8 4WD $306 $538 $352 $20 $106 $1,347 $112
Get Your Own Custom Quote Go
Jeep Grand Cherokee insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $220 $368 $352 $20 $106 $1,066 $89
Grand Cherokee Laredo 4WD $220 $368 $352 $20 $106 $1,066 $89
Grand Cherokee Limited 2WD $250 $434 $352 $20 $106 $1,162 $97
Grand Cherokee Limited 4WD $250 $434 $352 $20 $106 $1,162 $97
Grand Cherokee SRT-8 4WD $250 $434 $352 $20 $106 $1,162 $97
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in specific location information which can alter premiums substantially.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $14 more each month or $168 annually than opting for the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 18 months between claims, you would probably come out ahead by going with a higher deductible.

How accidents and tickets impact rates in Colorado Springs

The diagram below demonstrates how speeding tickets and at-fault accidents drive up Jeep Grand Cherokee auto insurance costs for different age groups of insureds. Data assumes a single male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

You are unique and your auto insurance should be too

When it comes to buying adequate coverage for your personal vehicles, there is no "perfect" insurance plan. Your situation is unique and a cookie cutter policy won't apply.Higher deductibles save money These are some specific questions might point out whether you would benefit from an agent's advice.

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Exclusive or independent insurance agencies

Certain consumers still prefer to buy from a licensed agent and that can be a great decision Professional agents are trained risk managers and help in the event of a claim. One of the great benefits of price shopping on the web is you may find cheap rate quotes but also keep your business local.

Find insurance agent in Colorado SpringsTo help locate an agent, after submitting this short form, your coverage information is immediately sent to local insurance agents who can give free rate quotes for your coverage. It makes it easy because there is no need to leave your computer since price quotes are sent directly to your email. If you need to quote rates from one company in particular, don't hesitate to search and find their rate quote page and submit a quote form there.

Selecting a insurer should include more criteria than just the bottom line cost. Any agent in Colorado Springs should have no problem answering these questions:

When searching for an insurance agent, it helps to know the two different agency structures and how they work. Agencies in Colorado Springs can either be independent agents or exclusive agents. Either type can properly insure your vehicles, but it's important to know the difference in how they write coverage since it may influence which agent you choose.

Exclusive Insurance Agents

Exclusive agencies work for only one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. These agents are highly trained in insurance sales and that allows them to sell at a higher price point.

The following are Colorado Springs exclusive insurance agents that can give you price quote information.

12229 Voyager Pkwy Ste 100 - Colorado Springs, CO 80921 - (719) 599-3600 - View Map

7610 N Union Blvd #115 - Colorado Springs, CO 80920 - (719) 593-9200 - View Map

Jeff Schmidt - State Farm Insurance Agent
1230 Tenderfoot Hill Rd Ste. 200 - Colorado Springs, CO 80906 - (719) 445-0070 - View Map

More Colorado Springs agents

Independent Agents

Agents of this type can sell policies from many different companies so as a result can place your coverage with a variety of different insurance companies and find you the best rates. If they quote lower rates, your agent can switch companies and you won't have to switch agencies.

When comparing insurance prices, we recommend you include price quotes from a couple of independent agencies to ensure the widest selection of prices.

Listed below are Colorado Springs independent agents that are able to give rate quotes.

1837 Austin Bluffs Pkwy #101 - Colorado Springs, CO 80918 - (719) 268-1300 - View Map

2407 W Colorado Ave - Colorado Springs, CO 80904 - (719) 473-6262 - View Map

125 N Parkside Dr #201f - Colorado Springs, CO 80909 - (719) 635-9557 - View Map

More Colorado Springs agents

The best rates come from being thorough

When shopping online for insurance, it's not a good idea to skimp on coverage in order to save money. There have been many situations where consumers will sacrifice full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

Affordable Jeep Grand Cherokee insurance in Colorado Springs can be found online in addition to local insurance agencies, so you need to shop Colorado Springs auto insurance with both in order to have the best chance of saving money. Some insurance companies do not offer online rate quotes and usually these small insurance companies only sell coverage through independent insurance agencies.

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