To save the most money, the best way to get low-cost Jeep Grand Cherokee insurance in Nashville is to regularly compare price quotes from different companies in Tennessee.
- First, take a few minutes and learn about individual coverages and the measures you can control to prevent high rates. Many policy risk factors that cause high rates like traffic violations and poor credit can be rectified by making lifestyle changes or driving safer. Later in this article we will cover more information to prevent high prices and find available discounts that you may qualify for.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can provide prices for many different companies.
- Third, compare the new rate quotes to your existing coverage to see if a cheaper price is available in Nashville. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
- Fourth, provide notification to your current company of your decision to cancel your current policy. Submit the completed application along with a down payment for your new policy. When you receive it, put the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
A good tip to remember is to compare the same liability limits and deductibles on each quote request and and to get price estimates from every company you can. This helps ensure an apples-to-apples comparison and the best price selection.
It’s an obvious conclusion that insurance companies want to keep you from comparing rates. Drivers who shop around at least once a year will, in all likelihood, switch to a new company because they have a good chance of finding lower prices. Remarkably, a study showed that drivers who compared prices regularly saved as much as $860 a year compared to those who never shopped for cheaper rates.
If finding the lowest price for Jeep Grand Cherokee insurance is the reason you’re here, understanding the best way to shop and compare coverage rates can help make the process easier.
The best way to get rate comparisons for Jeep Grand Cherokee insurance in Nashville is to know the trick car insurance companies participate in online systems to quote your coverage. The only thing you need to do is provide details like how much school you completed, your job, driver details, and if your license is active. Your insurance information is instantly sent to many highly-rated insurers and they return cost estimate almost instantly.
To find lower lower-cost Jeep Grand Cherokee insurance rates now, click here and complete the quick form.
The companies in the list below are our best choices to provide comparison quotes in Tennessee. To buy the cheapest car insurance in Nashville, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Do you qualify for discounts?
Companies do not advertise their entire list of discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common and also the lesser-known discounts that you can inquire about if you buy Nashville car insurance online.
- Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction with select insurance companies.
- Defensive Driving Course – Passing a course that instructs on driving safety could save 5% or more depending on where you live.
- 55 and Retired – Drivers over the age of 55 could receive reduced rates.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- Telematics Discount – Insureds who allow companies to study their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they show good driving skills.
- Club Memberships – Having an affiliation with a qualifying organization can get you a small discount when shopping for insurance.
- Paperwork-free – Some insurance companies may give you up to $50 for buying your policy over the internet.
- Multi-line Discount – If the company offers life insurance, you could get better rates if you take out a life policy as well.
As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Even though the math looks like you could get a free insurance policy, company stockholders wouldn’t be very happy. But any discount should help lower the cost of coverage.
The information below shows the difference between Jeep Grand Cherokee insurance costs with and without discounts being applied to the rates. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Tennessee state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, homeowner, claim-free, and safe-driver discounts applied.
Popular insurance companies and some of the discounts are included below.
- Farmers Insurance has savings for multi-car, youthful driver, switch companies, electronic funds transfer, and homeowner.
- State Farm has discounts for multiple policy, passive restraint, Drive Safe & Save, defensive driving training, and multiple autos.
- Liberty Mutual includes discounts for new vehicle discount, multi-car, preferred payment discount, new graduate, new move discount, and exclusive group savings.
- MetLife may include discounts for claim-free, accident-free, good student, defensive driver, good driver, multi-policy
- Progressive may have discounts that include good student, homeowner, online signing, continuous coverage, and multi-vehicle.
When getting free Nashville car insurance quotes, it’s a good idea to all companies you are considering which discounts you may be entitled to. A few discounts might not be offered in your state. If you would like to choose from a list of providers who offer free Jeep Grand Cherokee insurance quotes in Tennessee, click this link.
Jeep Grand Cherokee insurance rates and statistics
The rate table displayed below outlines detailed analysis of policy rates for Jeep Grand Cherokee models. Being aware of how insurance policy rates are calculated can help customers make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $192 | $388 | $326 | $20 | $98 | $1,024 | $85 |
| Grand Cherokee Laredo 4WD | $192 | $388 | $326 | $20 | $98 | $1,024 | $85 |
| Grand Cherokee Limited 2WD | $216 | $456 | $326 | $20 | $98 | $1,116 | $93 |
| Grand Cherokee Limited 4WD | $216 | $456 | $326 | $20 | $98 | $1,116 | $93 |
| Grand Cherokee SRT-8 4WD | $216 | $456 | $326 | $20 | $98 | $1,116 | $93 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific location information which can change coverage prices greatly.
Deductible comparison
When shopping for insurance, a common question is at what level do you set your deductibles. The rates shown below may aid in understanding the difference in cost of buying low and high coverage deductibles. The first set of prices uses a $250 physical damage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $224 | $376 | $288 | $18 | $86 | $1,017 | $85 |
| Grand Cherokee Laredo 4WD | $224 | $376 | $288 | $18 | $86 | $1,017 | $85 |
| Grand Cherokee Limited 2WD | $252 | $444 | $288 | $18 | $86 | $1,113 | $93 |
| Grand Cherokee Limited 4WD | $252 | $444 | $288 | $18 | $86 | $1,113 | $93 |
| Grand Cherokee SRT-8 4WD | $252 | $444 | $288 | $18 | $86 | $1,113 | $93 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $182 | $304 | $288 | $18 | $86 | $878 | $73 |
| Grand Cherokee Laredo 4WD | $182 | $304 | $288 | $18 | $86 | $878 | $73 |
| Grand Cherokee Limited 2WD | $204 | $358 | $288 | $18 | $86 | $954 | $80 |
| Grand Cherokee Limited 4WD | $204 | $358 | $288 | $18 | $86 | $954 | $80 |
| Grand Cherokee SRT-8 4WD | $204 | $358 | $288 | $18 | $86 | $954 | $80 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in your specific Nashville location which can increase or decrease coverage rates noticeably.
Based on the above data, using a $250 deductible will cost you roughly $13 more each month or $156 for a full year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 19 months between claim filings, you would probably come out ahead if you elect the higher deductible.
Difference between liability only and full coverage rates
The information below compares Jeep Grand Cherokee insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Tennessee. The rates are based on no claims or violations, $250 deductibles, single marital status, and no discounts are applied.
Are you wasting money on full coverage?
There isn’t a steadfast formula to exclude comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Jeep Grand Cherokee settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If it’s costing you more than $200 annually for full coverage, then you might want to think about dropping full coverage.
There are some cases where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Smart Choices Result in Lower Insurance Prices
A large part of saving on auto insurance is knowing some of the factors that aid in calculating the level of your policy premiums. If you have some idea of what influences your rates, this allows you to make educated decisions that can help you get lower rates. Many factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, although some other factors are not quite as obvious such as your marital status or your financial responsibility.
Occupation stress can make you pay more – Did you know your occupation can influence how much you pay for auto insurance? Careers such as real estate brokers, architects, and miners tend to pay higher rates than average due to high stress levels and lengthy work days. On the flip side, occupations like professors, engineers and the unemployed pay the least.
Too many claims drive up prices – Companies in Tennessee provide cheaper rates to policyholders who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
Where you reside factors in – Having an address in smaller towns and rural areas of the country is a good thing when it comes to auto insurance. Fewer drivers means less chance of accidents. City drivers regularly have more aggressive driving styles and much longer commute distances. More time on the road means more chance of being in an accident.
Liability insurance is peace of mind – The liability coverage on your policy is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
Cheaper rates with safer cars – Safe vehicles get lower rates. Highly rated vehicles result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company which can mean better rates for you.
Driver age impacts costs – Older people are more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets. Young drivers are known to be careless and easily distracted in a vehicle so auto insurance rates are higher.
The next chart uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
Don’t get traffic citations – Just one speeding ticket can bump up the cost to the point where it’s not affordable. Drivers with clean records have lower premiums compared to bad drivers. Drivers who have gotten serious violations like DUI or willful reckless driving may be required to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
The example below shows how speeding tickets and at-fault collisions can raise Jeep Grand Cherokee auto insurance costs for each different age category. The premium estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
Jeep Grand Cherokee claim probability – Auto insurance companies analyze the history of losses to help calculate premium rates. Vehicles that historically have higher frequency or amount of claims will be charged more to insure. The table below shows the actual insurance loss data for Jeep Grand Cherokee vehicles.
For each coverage type, the claim amount for all vehicles combined as an average is considered to be 100. Values that are 100 or less indicate a favorable loss history, while numbers above 100 point to more losses or an increased likelihood of larger losses.
| Make and 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
When to get advice from an agent
Some people would rather sit down with an agent. One of the benefits of comparing rate quotes online is that drivers can save money and get cheap car insurance quotes and still have an agent to talk to. And buying from neighborhood insurance agencies is definitely important in Nashville.
After filling out this form (opens in new window), your information is immediately sent to local insurance agents in Nashville who can give free rate quotes for your coverage. There is no reason to search for any insurance agencies because quoted prices will be sent to the email address you provide. You can find lower rates without a big time investment. In the event you want to compare prices from one company in particular, feel free to search and find their rate quote page and fill out the quote form the provide.
Choose an insurance agent wisely
When finding a reputable agency, it’s important to understand the different types of agents from which to choose. Agents can be classified as either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
Independent agencies do not have single company limitations and that is an advantage because they can write policies through lots of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can just switch to a different company and you stay with the same agent. If you are comparing rate quotes, we highly recommend that you compare prices from multiple independent agents to have the most options to choose from.
Featured below is a short list of independent agents in Nashville that may be able to give you free price quotes.
Fridrich, Pinson and Associates Insurance Agency
3825 Bedford Ave #203 – Nashville, TN 37215 – (615) 327-0105 – View Map
Sturdivant Insurance
1400 Forrest Ave – Nashville, TN 37206 – (615) 943-4962 – View Map
MJC Insurance Group
1506 Church St Suite 2 – Nashville, TN 37203 – (615) 873-1988 – View Map
Exclusive Car Insurance Agents
Exclusive agents generally can only insure with one company such as Allstate and State Farm. Exclusive agents are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are well schooled on their products and sales techniques which helps them compete with independent agents.
Below are Nashville exclusive insurance agents willing to provide price quotes.
LaShawnda Bryant – State Farm Insurance Agent
7648 Hwy 70 S #10 – Nashville, TN 37221 – (615) 662-9989 – View Map
Marvin Cook – State Farm Insurance Agent
308 Donelson Pike – Nashville, TN 37214 – (615) 391-4966 – View Map
Michael Davis – State Farm Insurance Agent
2817 West End Ave #209 – Nashville, TN 37203 – (615) 321-3388 – View Map
Picking an auto insurance agent should depend on more than just a cheap price quote. A good agent in Nashville will have answers to these questions.
- What kind of financial rating does the company have?
- What insurance companies do they work with in Nashville?
- Do they carry Errors and Omissions coverage?
- Are they able to provide referrals?
- If you have an accident, will your rates go up?
If you feel you receive good responses to any questions you have and a low price estimate, you’ve probably found an insurance agent that can be relied on to insure your vehicles. It’s important to know that you can always cancel your coverage at any time so never assume you are locked into a specific agent with no way out.
Do I just need basic coverages?
When selecting insurance from an agent or online, there is no “best” method to buy coverage. Every insured’s situation is different.
These are some specific questions might point out if you will benefit from professional help.
- What is an umbrella policy?
- When should my teen driver be added to my policy?
- Am I covered if I hit my neighbor’s mailbox?
- Is business property covered if stolen from my car?
- Is my dog or cat covered if injured in an accident?
- What companies insure drivers after a DUI or DWI?
- At what point should I drop full coverage?
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.
Nashville car insurance companies
Buying coverage from the best auto insurance company can be rather challenging considering how many different companies insure vehicles in Nashville. The information listed below can help you decide which providers you want to consider shopping prices with.
Top 10 Nashville Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Erie Insurance – A+
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
Top 10 Nashville Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- Erie Insurance
- Esurance
- The General
Keep this in mind when shopping around
Affordable Jeep Grand Cherokee insurance in Nashville can be purchased both online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not have online price quotes and most of the time these small insurance companies prefer to sell through independent insurance agents.
As you shop your coverage around, never reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage only to regret that it was a big mistake. Your goal should be to find the BEST coverage at a price you can afford.
Throughout this article, we presented a lot of techniques to find cheap Jeep Grand Cherokee insurance in Nashville. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest prices are with the smaller companies.
Other learning opportunities
- Medical Payments Coverage (Liberty Mutual)
- Who Has Cheap Car Insurance Rates for Inexperienced Drivers in Nashville? (FAQ)
- What Auto Insurance is Cheapest for 19 Year Olds in Nashville? (FAQ)
- How Much are Auto Insurance Rates for Teenage Females in Nashville? (FAQ)
- Child Safety FAQ (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Institute)