Are you baffled by the dozens of insurance sources in Scottsdale? Drivers have so many options that it can really be a real challenge to find the best premium rates for Jeep Grand Cherokee insurance in Scottsdale. Everyone knows that Scottsdale has lots to offer, but having to pay for pricey insurance can make it hard to afford.
It’s a fact that car insurance companies don’t want you to look for a cheaper policy. People who shop around for cheaper rates are very likely to buy a new policy because they have good chances of finding lower prices. A recent study showed that people who make a habit of shopping around saved on average $3,500 over four years compared to drivers who didn’t regularly shop around.
If finding the cheapest rates on insurance in Scottsdale is why you’re here, understanding the best ways to find and compare insurance rates can save time, money, and frustration.
Smart consumers take time to get comparison quotes as often as possible because insurance prices are rarely the same from one policy term to another. Just because you had the best price on Jeep Grand Cherokee insurance in Scottsdale two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because we’re going to show you one of the best ways to save money, get proper coverage and the best rates.
If you have auto insurance now, you will surely be able to get lower rates using the concepts covered in this article. This article will let you in on the best ways to compare prices and also save some money in the process But Arizona car owners can benefit from knowing how companies compete online because it varies considerably.
There are several ways to compare prices from different companies. The quickest method to find competitive insurance rates consists of obtaining rate quotes online.
When quoting car insurance, remember that comparing more prices will enable you to find the best rates. Some insurance companies are not set up to provide price estimates online, so it’s important to compare price quotes from them as well.
The providers in the list below are ready to provide free rate quotes in Arizona. In order to find the cheapest auto insurance in Scottsdale, AZ, it’s a good idea that you get rate quotes from several of them in order to get a fair rate comparison.
Analysis of Jeep Grand Cherokee rates
The rate information displayed below showcases different coverage prices for Jeep Grand Cherokee models. Being aware of how policy premiums are calculated is important for you to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| Grand Cherokee Laredo 4WD | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| Grand Cherokee Limited 2WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Grand Cherokee Limited 4WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Grand Cherokee SRT-8 4WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate quotes do not factor in vehicle garaging location which can raise or lower prices considerably.
Policy deductibles
When comparing auto insurance rates, the most common question is how high should the physical damage coverage deductibles be. The comparisons below sum up the price difference when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Grand Cherokee Laredo 4WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Grand Cherokee Limited 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Grand Cherokee Limited 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Grand Cherokee SRT-8 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Grand Cherokee Laredo 4WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Grand Cherokee Limited 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Grand Cherokee Limited 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Grand Cherokee SRT-8 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in Scottsdale location which can raise or lower prices significantly.
Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $13 more each month or $156 each year than buying the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go more than 19 months between claim filings, you would probably be better off by going with a higher deductible.
The illustration below demonstrates how deductibles and can impact Jeep Grand Cherokee yearly insurance costs for different age groups. The premiums are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Full coverage rates compared to liability-only
The example below shows the comparison of Jeep Grand Cherokee insurance premiums with full physical damage coverage compared to only buying liability only. The costs are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no specific rule of when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s pretend your Jeep Grand Cherokee book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after the deductible is paid. If you are paying more than $300 a year for physical damage coverage, then it may be the right time to buy liability only.
There are some scenarios where removing full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Verify you’re earning every discount
Companies offering auto insurance do not list every possible discount very clearly, so here is a list a few of the more common in addition to some of the lesser obvious credits available to you.
- Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
- Multi-Vehicle Discounts – Having all your vehicles on one policy can get a discount for every vehicle.
- Military Rewards – Having a family member in the military could be rewarded with lower premium rates.
- Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you may earn up to 20% and get you the cheapest Jeep Grand Cherokee insurance in Scottsdale.
- Fewer Miles Equal More Savings – Keeping the miles down on your Jeep could earn substantially lower insurance rates.
- Employee of Federal Government – Active or former government employment may reduce rates when you quote Scottsdale auto insurance but check with your company.
- Professional Organizations – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your bill.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.
The information below illustrates the difference between Jeep Grand Cherokee insurance premiums with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, marriage, safe-driver, and multi-car discounts applied.
If you would like to view insurance companies that offer some of these discounts in Scottsdale, click here.
Insuring your vehicle just makes sense
Despite the high insurance cost for a Jeep Grand Cherokee in Scottsdale, buying car insurance is mandatory in Arizona but it also protects more than you think.
First, the majority of states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your vehicle, almost all lenders will stipulate that you have full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may buy a policy for your Jeep at an extremely high rate and force you to reimburse them much more than you were paying before.
Third, insurance safeguards both your Jeep Grand Cherokee and your personal assets. It will also reimburse you for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you have damage to your Jeep as the result of the weather or an accident, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. According to a recent study, the average American driver is currently overpaying as much as $865 each year so smart consumers compare quotes at every renewal to help ensure money is not being wasted.
How much auto insurance do I need?
Keep in mind that when it comes to choosing coverage online or from an agent, there really is no single plan that fits everyone. Your situation is unique.
Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.
- What happens if I owe more than my Jeep Grand Cherokee is worth?
- Am I covered when delivering products for my home-based business?
- Are rock chip repairs covered?
- Do I need higher collision deductibles?
- What is PIP insurance?
- Does coverage follow the driver or the vehicle?
- When should I buy a commercial auto policy?
- What does roadside assistance cover?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
When should I talk to an agent?
Many drivers just prefer to buy from a licensed agent and doing that can be a smart decision A good thing about price shopping on the web is that you can obtain lower prices but still work with a licensed agent.
To help locate an agent, after submitting this quick form, your insurance coverage information is emailed to agents in your area that provide free Scottsdale auto insurance quotes for your insurance coverage. You won’t need to even leave your home since rate quotes are delivered to you directly. You can find better rates and a licensed agent to talk to. If for some reason you want to get a comparison quote from a specific company, don’t hesitate to navigate to their website to submit a rate quote request.
Picking a provider shouldn’t rely on just a cheap quote. These are valid questions to ask:
- How would your car be valued if totaled?
- What company do they have the most business with?
- Will the quote change when the policy is issued?
- Do they feel the quoted coverages are adequate?
- Will the agent or a CSR service your policy?
Exclusive and independent Scottsdale car insurance agents
When narrowing the list to find a reliable insurance agency, it helps to know the two different agency structures and how they work. Scottsdale agents can be categorized as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
These type of agents can only place business with one company such as American Family, State Farm, and AAA. Exclusive agents are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are well trained on their company’s products which can be an advantage. Some consumers prefer to choose to use a exclusive agent partially due to the brand rather than having low rates.
Below is a short list of exclusive insurance agents in Scottsdale who can help you get price quotes.
- Farmers Insurance – Jim Kreisman
9590 E Ironwood Square Dr #230 – Scottsdale, AZ 85258 – (480) 491-8585 – View Map - Scott Holly – State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202 – Scottsdale, AZ 85251 – (480) 949-7204 – View Map - Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820 – Scottsdale, AZ 85251 – (480) 897-6500 – View Map
Independent Insurance Agents
Independent agencies often have many company appointments so they can insure your vehicles with multiple insurance companies and find you the best rates. If you are not satisfied with one company, the agent simply finds a different carrier and you stay with the same agent.
If you are trying to find cheaper rates, you should always compare quotes from at a minimum one independent agency so that you can do a thorough price comparison. Many can place coverage with different regional companies which could offer lower prices.
Listed below are independent agencies in Scottsdale who can help you get price quote information.
- Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400 – View Map - J B Martin Insurance Agency
4835 E Cholla St – Scottsdale, AZ 85254 – (480) 423-7444 – View Map - Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
After getting positive feedback to your questions and an acceptable price quote, you may have found an insurance agent that is reputable and can insure your vehicles.