Buying the best cheap auto insurance for a Jeep Grand Cherokee relies on a lot of different factors such as whether you are a homeower, what you do for a living, and blemishes on your driving record. Drivers in New York pay approximately $1,005 per year for Grand Cherokee insurance, but that price is an estimation calculated based on a 30-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
But there is a high likelihood that you are not 30 years old and maybe not even male, maybe you are married instead of single, or maybe you just want different deductibles. Having just a slight change in rating criteria or coverage limits could result in a significant change in the amount insurance costs for a Jeep Grand Cherokee.
Each driver’s needs are different, and that demonstrates why the best way to find cheap car insurance rates for your Jeep is to put in the effort to do a thorough rate comparison.
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The trim level of your Grand Cherokee tends to have a direct effect on the coverage cost, so the price you pay to insure a Grand Cherokee Laredo 2WD will be $106 cheaper than the insurance cost for the fancier Grand Cherokee SRT-8 4WD model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $260 | $412 | $346 | $20 | $104 | $1,142 | $95 |
| Grand Cherokee Laredo 4WD | $260 | $412 | $346 | $20 | $104 | $1,142 | $95 |
| Grand Cherokee Limited 2WD | $294 | $484 | $346 | $20 | $104 | $1,248 | $104 |
| Grand Cherokee Limited 4WD | $294 | $484 | $346 | $20 | $104 | $1,248 | $104 |
| Grand Cherokee SRT-8 4WD | $294 | $484 | $346 | $20 | $104 | $1,248 | $104 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific garaging location which can affect prices noticeably.
Choosing the best car insurance company can be a challenge considering how many different companies insure vehicles in Buffalo. The company information shown next can help you pick which insurers you want to consider when comparing rates. These ratings are for companies with a nationwide focus, so companies with more of a regional focus will not be included in the list.
Top 10 Large Car Insurance Companies Overall in Buffalo
- The General
- Mercury Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
Get discounts on Buffalo auto insurance rates
Insurance providers that offer quotes for a Jeep Grand Cherokee may also provide special discounts that could reduce prices by as much as 40% or more if you are eligible. A list of companies and some of the discounts include:
- Progressive may include discounts for multi-policy, good student, homeowner, multi-vehicle, online signing, and continuous coverage.
- GEICO offers premium reductions for multi-vehicle, anti-theft, daytime running lights, good student, emergency military deployment, anti-lock brakes, and driver training.
- State Farm may have discounts that include safe vehicle, driver’s education, good driver, student away at school, Steer Clear safe driver discount, and Drive Safe & Save.
- Esurance offers discounts for multi-policy, good driver, online shopper, homeowner, and safety device.
- The Hartford includes discounts for driver training, vehicle fuel type, anti-theft, air bag, bundle, and good student.
The diagram below visualizes the comparison of insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, no violations or accidents, New York state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with homeowner, safe-driver, defensive driving course, anti-theft, marriage, and multiple policy discounts applied. When taking advantage of discounts, theamount saved on insurance for a Jeep Grand Cherokee is 28% or $472.
Chances are good that you’re overpaying for Grand Cherokee insurance
Buffalo insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Simply having another birthday, having a teen driver, or getting into an accident can trigger changes in premium resulting in some rates now being more affordable than others.
Also, insurance companies change the rates they charge in New York every year or even multiple times each year in order to remain profitable. An extended period of higher than normal claims may result in increased policy costs, while lower claim levels may cause more affordable Grand Cherokee insurance rates.
For instance, the graph below compares the cheapest car insurance in Buffalo, NY for a 35-year-old male driver with a good driving record, no prior claims, and solid credit. When quoting prices based on his current risk factors, USAA has the lowest car insurance rates in Buffalo at $1,936 annually. This is $139 less than the average price paid by New York drivers of $2,075. Erie, Utica National, Progressive, and Travelers also make the list of the most affordable Buffalo, NY auto insurance companies.
Now we will pretend the driver from above an at-fault accident, less-than-perfect credit, and a couple of points charged on his driving record. Since each auto insurer has a proprietary formula for determining rates in each state, comparing rates could now result in a slightly different list of companies as shown below.
Allstate now has the cheapest auto insurance in Buffalo, NY with Amica, Erie, Preferred Mutual, and New York Central Mutual now rounding out the top five. This shows why it is crucial to shop around with many companies when trying to find cheap car insurance rates for a Jeep Grand Cherokee. Insurance prices can be determined by many risk factors and change dramatically, so the most economical company two years ago may now be priced much higher than other options.
The agencies below can aid you in deciding which coverages and limits you need, since many people would rather have some advice when comparing insurance rates for a Grand Cherokee. It can be complicated to do it yourself, and insurance agents can provide peace of mind knowing your policy gives you suitable coverage if you have an accident. To find an auto insurance agency by location nearest to you, click the button below the list.
- State Insurance Fund
225 Oak St – Buffalo, NY 14203 – (716) 851-2000 - Cielinski Richard Insurance Agency
2916 William St – Buffalo, NY 14227 – (716) 892-5154 - Lawley
361 Delaware Ave – Buffalo, NY 14202 – (716) 849-8618 - Dan Schmidt – State Farm Insurance Agent
615 Elmwood Ave – Buffalo, NY 14222 – (716) 783-9460 - Clauss and Company Insurance Agency
735 Delaware Ave – Buffalo, NY 14209 – (716) 886-6600
View more Buffalo, NY insurance agencies
How to find cheaper insurance for a Jeep Grand Cherokee
Lowering your rates is not difficult, and here are some of the better penny-pinching solutions that can help drivers quote cheaper coverage.
- The safer your car, the less it costs to insure
- Raise physical damage deductibles
- Bundle car and home insurance and save money
- Frequent claims will increase rates
- Good credit can help you save money
- Save money by insuring older vehicles for liability only
- Shop around for cheaper rates regularly
That final tip is highly important, as was affirmed in the prior information. Auto insurance rates can be modified anytime, so don’t be unwilling to buy a different policy if you find a better deal. Brand loyalty is great, but we do not recommend it if that dedication is costing money that could be spent on other things. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for a Jeep Grand Cherokee in Buffalo.