Affordable Insurance for a Jeep Grand Cherokee in Las Vegas

The preferred way to find discount Jeep Grand Cherokee insurance in Las Vegas is to begin comparing prices regularly from companies who sell insurance in Nevada. This can be done by following these guidelines.

The key thing to remember is that you’ll want to make sure you compare identical limits and deductibles on every price quote and and to get prices from as many carriers as you can. Doing this enables a level playing field and a complete rate analysis.

Discount Jeep Grand Cherokee insuranceWe don’t have to point out that fact that car insurance companies want to keep you from comparing prices. People who shop around for a cheaper policy are inclined to switch insurance companies because of the good chance of finding a lower-priced company. A recent insurance study revealed that drivers who compared rates once a year saved $860 a year as compared to drivers who didn’t regularly shop around.

If finding the lowest price on insurance in Las Vegas is your objective, then learning a little about how to shop and compare insurance rates can help you succeed in finding affordable rates.

If you are insured now, you should be able to lower your rates using the tips covered below. These tips will introduce you to the best way to quote coverages and some tips to save money. But Nevada car owners must learn how companies charge you for coverage.

Most larger insurance companies allow consumers to get prices for coverage on the web. Comparing Jeep Grand Cherokee insurance rates online can be done by anyone as you simply enter the coverage amounts you desire into the quote form. After you complete the form, the quote system automatically orders your driving and credit reports and provides a quote based on many factors.

Quoting online for Jeep Grand Cherokee insurance in Las Vegas makes it simple to compare prices and it’s necessary to get many rate quotes in order to find the best possible rates on car insurance.

If you want to find out how much you’re overpaying now, compare rates now from the companies shown below. If you have a policy now, it’s recommended you duplicate the coverages as close as possible to your current policy. This makes sure you will get comparison quotes for similar insurance coverage.

The companies shown below provide price quotes in Las Vegas, NV. In order to find the cheapest car insurance in Nevada, we suggest you click on several of them to get a more complete price comparison.

Do you qualify for discounts?

Auto insurance is not cheap nor is it fun to buy but you can get discounts that can help lower your rates. Some trigger automatically at the time of purchase, but some may not be applied and must be manually applied prior to getting the savings.Discount auto insurance

Remember that most credits do not apply to the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

The chart below shows the difference between Jeep Grand Cherokee insurance premiums with and without policy discounts. The costs are based on a male driver, no claims or driving citations, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.

A few popular companies and a selection of discounts include:

It’s a good idea to ask each company or agent how you can save money. Some credits may not be offered in Las Vegas.

Data for Jeep Grand Cherokee insurance

The premium table displayed below covers a range of insurance rates for Jeep Grand Cherokee models. Being more informed about how policy rates are calculated can aid in making smart choices when selecting a coverage provider.


Jeep Grand Cherokee Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $150 $268 $290 $18 $86 $812 $68
Grand Cherokee Laredo 4WD $150 $268 $290 $18 $86 $812 $68
Grand Cherokee Limited 2WD $168 $316 $290 $18 $86 $878 $73
Grand Cherokee Limited 4WD $168 $316 $290 $18 $86 $878 $73
Grand Cherokee SRT-8 4WD $168 $316 $290 $18 $86 $878 $73
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can impact premiums noticeably.

Car insurance deductibles

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The following tables approximate the differences in price of buying low and high comp and collision deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.


Jeep Grand Cherokee insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $266 $478 $308 $18 $92 $1,187 $99
Grand Cherokee Laredo 4WD $266 $478 $308 $18 $92 $1,187 $99
Grand Cherokee Limited 2WD $300 $564 $308 $18 $92 $1,307 $109
Grand Cherokee Limited 4WD $300 $564 $308 $18 $92 $1,307 $109
Grand Cherokee SRT-8 4WD $300 $564 $308 $18 $92 $1,307 $109
Get Your Own Custom Quote Go

Jeep Grand Cherokee insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $148 $252 $308 $18 $92 $818 $68
Grand Cherokee Laredo 4WD $148 $252 $308 $18 $92 $818 $68
Grand Cherokee Limited 2WD $166 $298 $308 $18 $92 $882 $74
Grand Cherokee Limited 4WD $166 $298 $308 $18 $92 $882 $74
Grand Cherokee SRT-8 4WD $166 $298 $308 $18 $92 $882 $74
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific Las Vegas garaging location which can affect prices noticeably.

Based on the above data, using a $100 deductible could cost the average driver approximately $33 more each month or $396 annually than quoting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 27 months between claim filings, you would save money going with the higher deductible. The illustration below shows how we made this calculation.

Average monthly premium for $100 deductibles: $105
Average monthly premium for $1,000 deductibles (subtract): – $72
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One important issue to know is that higher deductibles means you will have to pay more out-of-pocket when you have a claim. That will require some funds available in the event you have to pay the deductible for vehicle repair.

Safe drivers pay less for car insurance

The information below shows how traffic citations and accident claims can raise Jeep Grand Cherokee yearly insurance costs for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Car insurance cost for men versus women

The example below illustrates the difference between Jeep Grand Cherokee insurance premiums for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Difference between liability only and full coverage rates

The information below shows the difference between Jeep Grand Cherokee insurance prices with full physical damage coverage compared to only buying liability only. The costs are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

When to switch to liability coverage only

There is no specific rule of when to drop physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Jeep Grand Cherokee replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying your deductible. If premium cost is more than $700 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some cases where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Auto insurance company ratings

Buying coverage from a highly-rated insurer can be rather challenging considering how many companies sell coverage in Las Vegas. The ranking data below could help you choose which coverage providers to look at putting your business with.

Top 10 Las Vegas Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco

Top 10 Las Vegas Car Insurance Companies Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. Mercury Insurance
  5. The General
  6. Progressive
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

How Car Insurance Companies Determine Jeep Grand Cherokee Insurance Rates

The best way to find cheaper insurance is to take a look at the factors that help calculate your policy premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that may reward you with much lower annual insurance costs. Many things are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, but other factors are more obscure such as your credit history or your commute time.