How to Compare Nashville Jeep Grand Cherokee Insurance

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.

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.

Insurance rates Jeep Grand Cherokee in NashvilleIt’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.Cheaper insurance with discounts

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.

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.

Jeep Grand Cherokee Insurance Rates in Nashville, TN
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
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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.

Jeep Grand Cherokee insurance with $250 deductibles
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
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Jeep Grand Cherokee insurance with $500 deductibles
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
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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.

Auto Insurance Loss Data for Jeep Grand Cherokee Models
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: (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.

3825 Bedford Ave #203Nashville, TN 37215(615) 327-0105View Map

1400 Forrest AveNashville, TN 37206(615) 943-4962View Map

1506 Church St Suite 2Nashville, TN 37203(615) 873-1988View Map

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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.

7648 Hwy 70 S #10Nashville, TN 37221(615) 662-9989View Map

308 Donelson PikeNashville, TN 37214(615) 391-4966View Map

2817 West End Ave #209Nashville, TN 37203(615) 321-3388View Map

More insurance agents

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.

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.Safe vehicles cost less to insure

These are some specific questions might point out if you will benefit from professional help.

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

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Erie Insurance – A+
  6. Titan Insurance – A+
  7. Esurance – A+
  8. Progressive – A+
  9. Nationwide – A+
  10. The Hartford – A+

Top 10 Nashville Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. Erie Insurance
  9. Esurance
  10. 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.

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