We don’t have to tell you that auto insurance companies don’t want you to look at other companies. People who shop around for a cheaper policy will most likely move their business because of the high probability of finding a more affordable policy premium. A study showed that drivers who compared rate quotes regularly saved as much as $850 each year compared to policyholders who don’t regularly compare prices.
If finding the best rates on Jeep Grand Cherokee insurance in Pittsburgh is the reason you’re reading this, then having a good understanding how to shop and compare insurance rates can make the process less intimidating.
Really, the only way to save on car insurance rates is to compare quotes annually from different companies who provide car insurance in Pittsburgh.
Step 1: Try to learn a little about policy coverages and the steps you can take to prevent expensive coverage. Many rating criteria that increase rates like speeding tickets, accidents and an unacceptable credit history can be eliminated by making small lifestyle or driving habit changes. Keep reading for additional tips to lower rates and find available discounts that you may qualify for.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while independent agents can give you price quotes for a wide range of companies.
Step 3: Compare the quotes to your current policy and see if you can save money. If you find better rates and make a switch, ensure coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company of your intent to cancel your existing policy. Submit a completed policy application and payment for your new policy. Once coverage is bound, put the proof of insurance certificate somewhere easily accessible.
One thing to point out is to make sure you enter identical deductibles and limits on each price quote and and to compare every company you can. This enables a fair rate comparison and a good representation of prices.
Locating the most affordable auto insurance coverage in Pittsburgh is not as time-consuming as you think. Essentially each driver who compares rate quotes for auto insurance will most likely be able to reduce their rates. But Pennsylvania drivers do need to learn the way insurance companies sell insurance online and use this information to your advantage.
Learn How to Get Car Insurance at a Discount
Multiple criteria are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other criteria are more obscure like your vehicle usage or how safe your car is.
Alarms and GPS tracking systems cut rates – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
Tickets can be expensive – Attentive drivers have lower premiums than their less careful counterparts. Having just one speeding ticket or other violation can increase the cost of insurance by twenty percent. Drivers unfortunate enough to have serious violations like DWI, reckless driving or hit and run convictions may find that they have to to complete a SR-22 with their state’s licensing department in order to legally drive.
The illustration below illustrates how traffic citations and at-fault fender-benders can increase Jeep Grand Cherokee insurance prices for each different age group. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Performance impacts premiums – The performance level of the vehicle you drive makes a big difference in your auto insurance rates. The best insurance prices are generally reserved for lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors.
The following chart is based on a married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Jeep Grand Cherokee insurance premiums compared to other models that have different performance rating factors.
Rates also based on gender – The statistics show females are less aggressive when driving. However, this does not mean males are worse at driving than females. They both tend to get into fender benders in similar percentages, but the male of the species tend to have more serious accidents. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers cause the most accidents and therefore are the most expensive to insure.
The chart below illustrates the difference between Jeep Grand Cherokee insurance costs for male and female drivers. The rate quotes are based on no accidents, no driving violations, full coverage, $100 deductibles, marital status is single, and no discounts are applied.
Safeguard your assets with liability protection – The liability section of your policy will provide protection if ever you are found liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
Eliminate unneeded add-on coverages – There are a lot of extra add-on coverages that you can buy if you aren’t careful. Insurance for replacement cost coverage, death and dismemberment, and extra life insurance coverage could be just wasting money. The coverages may be enticing when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
Your location is a factor – Residing in less populated areas has definite advantages when insuring your vehicles. Less people living in that area translates into fewer accident claims in addition to fewer liability claims. Drivers who live in large Pennsylvania cities tend to have more auto accidents and much longer commute distances. The longer drive time means a statistically higher chance of an accident.
Insurance rates for married couples – Your spouse can actually save you money when buying car insurance. It means you’re more mature and responsible and insurance companies like that drivers who are married are more cautious.
Jeep Grand Cherokee statistical loss data – Insurance companies analyze past claim statistics to calculate a rate that will offset any claims. Vehicles that historically have higher losses will have higher rates for specific coverages. The table shown below demonstrates the loss history for Jeep Grand Cherokee vehicles.
For each insurance policy coverage type, the loss probability for all vehicles compiled together equals 100. Values below 100 suggest a better than average loss history, while numbers above 100 indicate a higher chance of having a claim or statistically larger losses.
| Vehicle 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
The best way we recommend to get rate comparisons for Jeep Grand Cherokee insurance in Pittsburgh utilizes the fact most larger insurance companies will pay a fee to provide you with free rate quotes. The only thing you need to do is provide details such as how your vehicles are used, an estimate of your credit level, your education level, and driver details. The rating information is submitted instantly to all major companies and they provide comparison quotes very quickly.
If you would like to compare rates now, click here and enter the information requested.
The companies in the list below provide price quotes in Pennsylvania. If you want to find the best cheap auto insurance in PA, it’s highly recommended you visit as many as you can to get the most affordable price.
Insurance analysis for a Jeep Grand Cherokee
The premium information shown next showcases detailed analysis of coverage prices for Jeep Grand Cherokee models. Understanding more about how auto insurance policy rates are established can help you make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $314 | $630 | $444 | $26 | $134 | $1,548 | $129 |
| Grand Cherokee Laredo 4WD | $314 | $630 | $444 | $26 | $134 | $1,548 | $129 |
| Grand Cherokee Limited 2WD | $354 | $742 | $444 | $26 | $134 | $1,700 | $142 |
| Grand Cherokee Limited 4WD | $354 | $742 | $444 | $26 | $134 | $1,700 | $142 |
| Grand Cherokee SRT-8 4WD | $354 | $742 | $444 | $26 | $134 | $1,700 | $142 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Estimates do not factor in Pittsburgh location which can impact coverage rates noticeably.
Deductible analysis
When buying insurance, a common question is at what level do you set your deductibles. The comparisons below can help show the rate fluctuation between high and low physical damage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $254 | $428 | $330 | $20 | $98 | $1,155 | $96 |
| Grand Cherokee Laredo 4WD | $254 | $428 | $330 | $20 | $98 | $1,155 | $96 |
| Grand Cherokee Limited 2WD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Grand Cherokee Limited 4WD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Grand Cherokee SRT-8 4WD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| Grand Cherokee Laredo 4WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| Grand Cherokee Limited 2WD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Grand Cherokee Limited 4WD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Grand Cherokee SRT-8 4WD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in your specific Pittsburgh location which can affect premium rates greatly.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $14 more each month or $168 every year across all Jeep Grand Cherokee models than opting for the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average more than 18 months between claims, you would probably come out ahead by going with a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $250 deductibles: | $102 |
| Average monthly premium for $500 deductibles (subtract): | – $88 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One important issue to know is that raising deductibles means you pay more out-of-pocket when you have a physical damage claim. That will require enough disposable savings in order to pay the deductible.
Cost comparison with and without full coverage
The illustration below shows the difference between Jeep Grand Cherokee yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no other discounts are factored in.
Should you pay for full coverage?
There isn’t a steadfast formula to eliminate full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Jeep Grand Cherokee claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying your deductible. If you are currently paying more than $500 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are a few situations where only buying liability is not advised. If you haven’t satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Car insurance is not optional
Despite the high cost, buying car insurance is required in Pennsylvania but also provides important benefits.
- Just about all states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability protection in order to drive the car legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Jeep Grand Cherokee has a lienholder, almost all lenders will make it mandatory that you carry insurance to ensure they get paid if you total the vehicle. If the policy lapses, the bank may insure your Jeep at a much higher premium rate and require you to fork over the higher premium.
- Insurance protects not only your Jeep Grand Cherokee but also your assets. It also can pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay attorney fees if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance are definitely more than the cost, especially with large liability claims. On average, a vehicle owner in Pittsburgh overpays more than $830 a year so compare quotes from several companies at least once a year to help ensure money is not being wasted.
Pittsburgh insurance discounts for a Jeep Grand Cherokee
Car insurance is not cheap nor is it fun to buy but there may be some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but a few must be manually applied before they will apply. If you aren’t receiving every discount available, you are paying more than you should be.
- First Accident Forgiveness – Not necessarily a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual will forgive one accident before they charge you more for coverage if you are claim-free for a certain period of time.
- Drive Less and Save – Low annual miles may enable drivers to earn better car insurance rates on cars that stay parked.
- Accident Free – Claim-free drivers are rewarded with significantly better rates on Pittsburgh auto insurance quote as opposed to drivers who are more careless.
- Early Switch Discount – Some car insurance companies give discounts for buying a new policy before your current expiration date. You can save around 10% with this discount.
- Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
- Paper-free Discount – Many companies give back up to $50 get Pittsburgh auto insurance over the internet.
- Home Ownership Discount – Just owning your own home can save you money due to the fact that maintaining a home shows financial diligence.
- Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount until age 25.
- Telematics Data Discounts – Insureds that choose to allow driving data submission to study driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if their driving habits are good.
A quick disclaimer, most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will reduce your overall premium however.
The example below illustrates the comparison of Jeep Grand Cherokee car insurance rates with and without discounts being applied to the rates. The premiums assume a female driver, a clean driving record, no claims, Pennsylvania 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, marriage, homeowner, safe-driver, claim-free, and multi-car discounts applied.
If you would like to see a list of car insurance companies that offer multiple discounts in Pennsylvania, click here to view.
Local insurance agents
Certain consumers still like to buy from a licensed agent and that is just fine! The best thing about getting online price quotes is the fact that you can find the lowest rates and still have a local agent. And buying from local insurance agencies is important especially in Pittsburgh.
To make it easy to find an agent, after completing this simple form, the quote information is immediately sent to local insurance agents in Pittsburgh who want to provide quotes to get your business. There is no need to search for an agent since rate quotes are delivered immediately to your email address. You can find better rates and a licensed agent to work with. In the event you want to get a rate quote from one company in particular, just go to their quote page and fill out their quote form.
Two types of Pittsburgh auto insurance agents
When finding an insurance agent, there are a couple of types of agencies and how they differ in how they can insure your vehicles. Auto insurance agents can be categorized as either independent agents or exclusive agents.
Independent Auto Insurance Agencies or Brokers
Independent agents do not write with just one company so they can write business amongst many companies enabling the ability to shop coverage around. If premiums increase, the agent simply finds a different carrier and you can keep the same agent.
When comparing auto insurance rates, you should always get several quotes from at least one independent agent for maximum quote selection. Most also write with different regional companies that may provide cheaper auto insurance rates.
Listed below is a list of independent insurance agencies in Pittsburgh that may be able to provide comparison quotes.
- Celik Insurance Agency Inc.
2407 Mt Troy Rd – Pittsburgh, PA 15212 – (412) 323-9300 – View Map - Kartsonas Agency, Inc.
421 Cochran Rd – Pittsburgh, PA 15228 – (412) 563-5900 – View Map - Insurance Consultants Of Pittsburgh
300 Mt Lebanon Blvd – Pittsburgh, PA 15234 – (412) 344-2800 – View Map
Exclusive Agents
Agents of this type generally can only insure with one company and examples are Allstate, State Farm and Farm Bureau. They generally cannot place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive a lot of sales training on their products and sales techniques and that can be a competitive advantage. Consumers frequently buy from exclusive agents mostly because of the brand legacy and the convenience of having all coverages with one company.
The following are Pittsburgh exclusive agents willing to provide price quote information.
- Steve Heller – State Farm Insurance Agent
146 Forest Hills Rd – Pittsburgh, PA 15221 – (412) 824-4800 – View Map - Paul Lukitsch – State Farm Insurance Agent
200 Fleet St #100 – Pittsburgh, PA 15220 – (412) 921-2008 – View Map - Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map
Selecting a car insurance agent should depend on more than just the bottom line cost. The following questions are important to ask.
- Do they see any coverage gaps in your plan?
- Do they assist clients in filing claims?
- Will they take your side in the event of a claim?
- Is the agency covered by Errors and Omissions coverage?
- How long has the business existed?
- Will one accident increase rates?
After you get positive feedback for all questions you ask as well as a affordable price, chances are good that you have found a car insurance agent that is professional and can properly insure your vehicles. Just understand that you can cancel your coverage any time you want so don’t assume you are locked into a policy indefinitely.
When do I need an agent’s advice?
Keep in mind that when it comes to choosing the right insurance coverage, there is no cookie cutter policy. Your situation is unique so this has to be addressed.
Here are some questions about coverages that might point out if you might need professional guidance.
- What companies insure drivers after a DUI or DWI?
- Are my custom wheels covered?
- Do I need added coverage for expensive stereo equipment?
- Am I covered if I wreck a rental car?
- Does my policy cover me if I wreck while driving under the influence?
- Do I have coverage when pulling a U-Haul trailer?
- What exactly is covered by my policy?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Quote more to save more
A few companies do not provide online rate quotes and usually these small, regional companies prefer to sell through independent agents. Cost effective Jeep Grand Cherokee insurance is definitely available on the web and from local insurance agents, so you should compare both in order to have the best chance of saving money.
We just showed you a lot of ways to compare Jeep Grand Cherokee insurance premium rates in Pittsburgh. The most important thing to understand is the more rate quotes you have, the better likelihood of getting low cost Pittsburgh auto insurance quotes. Drivers may even discover the biggest savings come from a small mutual company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.
When you buy Pittsburgh auto insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.
More resources
- Distracted Driving Extends Beyond Texting (State Farm)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Pittsburgh? (FAQ)
- Who Has Affordable Pittsburgh Auto Insurance Rates for First-time Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Pittsburgh? (FAQ)
- Who Has Cheap Pittsburgh Car Insurance Quotes for Drivers Over Age 50? (FAQ)
- Who Has Affordable Car Insurance for Hybrid Vehicles in Pittsburgh? (FAQ)
- Who Has Cheap Auto Insurance for 4×4 Vehicles in Pittsburgh? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Distracted Driving Statistics (Insurance Information Institute)