Affordable Quotes for Jeep Grand Cherokee Insurance in Philadelphia

Are you regretting the purchase of an expensive auto insurance policy? You’re preaching to the choir because many Philadelphia drivers have buyer’s remorse.

It’s hard to believe, but almost 70% of drivers in Pennsylvania kept buying from the same company for over three years, and 38% of drivers have never shopped around. Drivers in the U.S. could save themselves nearly $860 a year by just shopping around, but they just don’t understand the large savings they would see if they just switched companies.

There is such a variety of insurers to choose from, and although it’s nice to have multiple companies, more choices can make it harder to compare rates and cut insurance costs.

It’s a good idea to get comparison quotes once or twice a year because rates change regularly. Even if you think you had the best premium rates on Jeep Grand Cherokee insurance in Philadelphia at your last renewal there is a good chance you can find better prices now. There are lots of tips to save on Grand Cherokee insurance out there, but you can learn the easiest ways to quit paying high auto insurance rates in Philadelphia.

When shopping for inexpensive Philadelphia auto insurance quotes, there are a couple of ways to get quotes from companies that offer car insurance in Pennsylvania. The quickest method to find affordable insurance rates is to perform an online rate comparison.

Online shopping is fast and free, and it makes it obsolete to drive to insurance agents’ offices. Doing it all online makes this process obsolete unless you require the professional abilities of a licensed agent. Drivers can find lower rates online and have a local agent actually service the policy. It’s important to know that comparing a wide range of rates helps improve the odds of finding more affordable insurance. Not every company provides online rate quotes, so you should also compare price estimates from the smaller companies as well.

The providers in the list below are our best choices to provide quotes in Pennsylvania. If multiple providers are shown, it’s a good idea that you visit several of them to get the most affordable price.

Car insurance statistics for a Jeep Grand Cherokee

The table displayed below highlights detailed analysis of insurance policy prices for Jeep Grand Cherokee models. Understanding more about how premiums are determined is important for making decisions on which coverage to buy.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in specific location which can raise or lower insurance rates greatly.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The following insurance rates can help you understand the rate differences of buying low and high coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location which can raise or lower premium rates substantially.

Based on these figures, using a $100 deductible will cost in the ballpark of $24 more each month or $288 every year across all Jeep Grand Cherokee models than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 17 months between claims, you would probably come out ahead if you opt for a higher deductible.

The chart below highlights how deductible selection and can increase or decrease Jeep Grand Cherokee premium costs for different insured age categories. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

How accidents and tickets impact rates

The information below illustrates how speeding tickets and fender-benders increase Jeep Grand Cherokee insurance costs for different age groups. The price estimates are based on a single female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

Your auto insurance coverage should be tailored to you

When quoting and comparing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can help discover whether you may require specific advice.

• Am I getting all the discounts available?
• Where can I find DUI or SR-22 insurance?
• Am I covered when delivering products for my home-based business?
• Are rock-chip repairs free?
• Am I covered if I back into my garage door?
• Does coverage extend to a rental car in a foreign country?
• Is motorclub coverage worth it?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Buying from car insurance agents

A small number of people just prefer to sit down with an agent and that can be a smart move One of the benefits of comparing rates online is you can get lower rates and also buy local.

By using this quick form, your information is submitted to local insurance agents in Philadelphia that can give you free Philadelphia auto insurance quotes for your insurance coverage. You don’t have to visit any agencies since rate quotes are delivered to you directly. You can find the lowest rates AND a local agent. If you wish to quote rates from a particular provider, don’t hesitate to visit that company’s website to submit a rate quote request.

Choosing an insurance company should depend on more than just the premium amount. Some important questions to ask are:

• Are they involved in claim handling?
• Will they make sure you get an adequate claim settlement?
• Did they already check your driving record and credit reports?
• Are all drivers listed on the coverage quote?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Are there any extra charges for paying monthly?
• Do they have cheaper tiers of coverage?
• Is assistance available after office hours?

If you’re trying to find a reputable agency, it’s important to understand the different agency structures to choose from. Insurance agents can be categorized as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agents

Agents in the exclusive channel generally can only insure with one company and examples are Farmers Insurance and State Farm. Exclusive agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. These agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following is a list of exclusive insurance agencies in Philadelphia that can give you price quote information.

More Philadelphia agents

Independent Insurance Agents

These type of agents are not employed by one company so they can quote policies with any number of different companies and find you the best rates. To move your coverage to a new company, your policy is moved internally which requires no work on your part. If you need lower rates, you will definitely want to include a couple of independent agencies to ensure the widest selection of prices.

Below is a short list of independent agencies in Philadelphia willing to provide comparison quotes.

More Philadelphia agents