Want a free price quotes on low-cost Jeep Grand Cherokee insurance in Evansville? Finding cheap rates for Jeep Grand Cherokee insurance in Evansville can seem to be quite difficult for drivers not familiar with online comparison shopping. People have so many companies to choose from that it can quickly become more work than you anticipated to lower your prices on Jeep Grand Cherokee insurance.
Shockingly, a large majority of drivers have remained with the same car insurance company for more than four years, and almost half have never compared rate quotes at all. Consumers in Evansville could save 55% a year, but they think it's difficult to find affordable rates by getting comparison quotes.
How to buy Evansville Jeep Grand Cherokee insurance online
Most of the larger companies provide coverage price quotes direct online. This process is possible for anyone as you just enter your coverage information as requested by the quote form. After you complete the form, their quoting system obtains reports for credit and driving violations and quotes a price.
This makes it a lot easier to compare rates and it's absolutely necessary to get many rate quotes if you want to find a lower rate.
To save time and find out if lower rates are available, consider comparing rates from the companies shown below. If you have a policy now, it's recommended you type in deductibles and limits identical to your current policy. This ensures you will get comparison quotes based on similar coverages.
The car insurance companies shown below are ready to provide comparison quotes in Evansville, IN. If several companies are displayed, it's highly recommended you get prices from several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$186||$358||$294||$18||$88||$944||$79|
|Grand Cherokee Laredo 4WD||$208||$414||$364||$22||$110||$1,118||$93|
|Grand Cherokee Limited 2WD||$210||$426||$264||$16||$80||$996||$83|
|Grand Cherokee Limited 4WD||$302||$632||$380||$22||$114||$1,450||$121|
|Grand Cherokee SRT-8 4WD||$130||$280||$318||$18||$94||$840||$70|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in vehicle location which can alter premiums noticeably.
Rate comparison for different deductibles
The illustration below shows how choosing a deductible and can influence Jeep Grand Cherokee insurance prices for each age group. The rates are based on a married male driver, full coverage, and no discounts are applied to the premium.
Jeep Grand Cherokee annual premiums for males versus females
The example below illustrates the comparison of Jeep Grand Cherokee insurance prices for male and female drivers. The data is based on no accidents or driving violations, full coverage, $250 deductibles, marital status is single, and no discounts are factored in.
Difference between liability only and full coverage rates
The diagram below illustrates the difference between Jeep Grand Cherokee insurance costs when comparing full coverage to state minimum liability only. The prices are based on no violations or accidents, $1,000 deductibles, married female driver, and no additional discounts are factored in.
Should you pay for full coverage?
There is no definitive rule to stop buying physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let's assume your Jeep Grand Cherokee replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying your deductible. If premiums are more than $700 annually to have full coverage, then you might want to think about dropping full coverage.
There are some cases where only buying liability is not advised. If you haven't paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Insurance policy discounts for Jeep Grand Cherokee insurance in Evansville
Some insurers don't list all available discounts very well, so here is a list a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Evansville car insurance online.
- Telematics Discount - Policyholders that allow their company to analyze driving habits by installing a telematics device like In-Drive from State Farm and Progressive's Snapshot could possibly reduce rates as long as the data is positive.
- Air Bags and Passive Restraints - Vehicles equipped with air bags or automatic seat belts could see savings as much as 30%.
- Discount for Low Mileage - Driving fewer miles can earn lower insurance rates on the low mileage vehicles.
- Student Driver Training - Have your child take driver's ed class in high school.
- Include Life Insurance and Save - If the company offers life insurance, you could get a discounted rate on car insurance if you buy a life policy as well.
- College Student - Kids living away from Evansville attending college and don't have a car can receive lower rates.
- Defensive Driving Course - Successfully completing a defensive driver class could earn you a small percentage discount and easily recoup the cost of the course.
- Own a Home - Owning a home in Evansville can earn you a little savings because maintaining a house is proof of financial responsibility.
- Switch and Save Discount - A few insurance companies offer discounts for switching companies prior to the expiration date on your current Grand Cherokee insurance policy. You may see this discount when you get Evansville car insurance quotes online.
- E-sign Discounts - Some of the larger companies may give you up to $50 get Evansville car insurance over the internet.
As a footnote on discounts, most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, you're out of luck.
To see a list of providers that offer discounts in Evansville, click here.
Buying the right Grand Cherokee insurance in Indiana is an important decision
Despite the potentially high cost of Jeep Grand Cherokee insurance, paying for car insurance is required by state law in Indiana and it also provides benefits you may not be aware of.
First, most states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage if you don't want to risk a ticket. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your vehicle has a loan, most lenders will require that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender may insure your Jeep at a much higher premium rate and require you to fork over a much higher amount than you were paying before.
Third, car insurance preserves both your Jeep and your personal assets. Insurance will pay for hospital and medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. The average driver in Indiana is overpaying more than $850 per year so we recommend shopping around each time the policy renews to ensure rates are inline.
Auto insurance can be complex
Keep in mind that when it comes to choosing insurance from an agent or online for your personal vehicles, there is no "best" method to buy coverage. Your needs are unique to you.
For instance, these questions may help you determine if your situation would benefit from an agent's advice.
- What does PIP insurance cover?
- How much liability coverage do I need in Indiana?
- Can I get by with minimal medical coverage if I have good health insurance?
- At what point should I drop full coverage?
- Should I rate my Jeep Grand Cherokee as pleasure use or commute?
- How much can I save by bundling my policies?
- Do I get a pro-rated refund if I cancel my policy early?
- Can my teen driver be rated on a liability-only vehicle?
If you can't answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
Insurance is available from agents near you
Certain consumers still prefer to get advice from a local agent and that is not a bad decision One of the benefits of comparing insurance prices online is you can get better rates and still have an agent to talk to.
Once you complete this short form, the coverage information is instantly submitted to local insurance agents in Evansville who will give you bids for your insurance coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies because quoted prices will be sent to you directly. Get lower rates without requiring a lot of work. If you want to quote rates from a specific insurance company, feel free to find their quoting web page and fill out the quote form the provide.
Finding the right company should depend on more than just a cheap price quote. Agents should be asked these questions:
- Can they provide you with a list of referrals?
- What is the agency's Better Business Bureau rating?
- Does the company have a solid financial rating?
- Does the agency have a current Errors and Omissions policy?
- Is there a local claims center in Evansville?
If you prefer to buy insurance from a reputable agency, you should know the types of agencies and how they can service your needs differently. Insurance agents are either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
Exclusive agencies can only place business with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot provide rate quotes from other companies so you might not find the best rates. They are well schooled in insurance sales which can be an advantage. Drivers often buy from exclusive agents mostly because of the prominent brand name rather than having the cheapest rates.
Listed below are exclusive agents in Evansville who can help you get comparison quotes.
- Shelter Insurance - Genny Henning-Caudill
1033 Mt Pleasant Rd a - Evansville, IN 47725 - (812) 477-3004 - View Map
- Martin Woodruff - State Farm Insurance Agent
2001 W Franklin St - Evansville, IN 47712 - (812) 424-1762 - View Map
- Allstate Insurance: Sam Williams
600 N Weinbach Ave Ste 420 - Evansville, IN 47711 - (812) 477-5599 - View Map
Independent Insurance Agencies
These agents often have affiliation with several companies and that gives them the ability to insure through lots of different companies and find the cheapest insurance rates. If you are not satisfied with one company, they simply switch companies in-house and that require little work on your part.
When comparing rates, we highly recommend that you get quotes from multiple independent agents in order to have the best price comparison. Most independent agents also contract with smaller companies that may have much lower rates than larger companies.
Below is a list of independent agencies in Evansville that are able to give price quotes.
- Gaslin Insurance Agency
2015 Stringtown Rd - Evansville, IN 47711 - (812) 425-1351 - View Map
- Lancaster Insurance Agency
658 S Green River Rd - Evansville, IN 47715 - (812) 477-8883 - View Map
- Kleinschmidt Insurance
3812 N First Ave - Evansville, IN 47710 - (812) 479-9028 - View Map