Discount Jeep Grand Cherokee insuranceHow long has it been since you compared more competitive auto insurance rates in Honolulu, HI? Honolulu consumers have many options when looking for the best price on Jeep Grand Cherokee insurance. They can either waste time driving around to compare prices or utilize the internet to get rate quotes. There is a right way and a wrong way to shop for auto insurance so you're going to learn the absolute fastest way to get price quotes for a Jeep and obtain the best price possible.

Cheaper Jeep Grand Cherokee insurance quotes in Honolulu

Auto insurance is not an enjoyable expense, but there may be some discounts that you may not even be aware of. A few discounts will be applied at the time you complete a quote, but occasionally some discounts must be requested specifically before being credited.

It's important to note that most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, it's just not the way it works. But any discount will positively reduce your auto insurance premiums.

Auto insurance companies that may offer quotes with most of these discounts include:

Double check with every insurance company which credits you are entitled to. Depending on the company, some discounts may not apply everywhere. To find insurance companies who offer online Jeep Grand Cherokee insurance quotes in Hawaii, click this link.

The providers in the list below have been selected to offer free quotes in Honolulu, HI. If multiple companies are listed, we recommend you visit as many as you can in order to find the most affordable rates.

Jeep Grand Cherokee Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $176 $356 $300 $18 $90 $940 $78
Grand Cherokee Laredo 4WD $220 $404 $270 $16 $80 $990 $83
Grand Cherokee Limited 2WD $200 $412 $254 $16 $76 $958 $80
Grand Cherokee Limited 4WD $178 $338 $248 $14 $74 $852 $71
Grand Cherokee SRT-8 4WD $162 $338 $300 $18 $90 $908 $76
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in vehicle location which can decrease or increase coverage rates substantially.

Car insurance rates are higher with tickets and accidents

The example below shows how speeding tickets and at-fault accidents can raise Jeep Grand Cherokee car insurance costs for different ages of insureds. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Car insurance cost for men versus women in Honolulu

The information below illustrates the comparison of Jeep Grand Cherokee insurance rates for male and female drivers. The information is based on no claims or driving citations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Higher deductibles save money

When buying car insurance, a common question is how high should the physical damage deductibles be. The following tables lay out the rate difference between low and high comp and collision deductibles. The first set of rates uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Jeep Grand Cherokee insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $204 $344 $264 $16 $80 $933 $78
Grand Cherokee Laredo 4WD $204 $344 $264 $16 $80 $933 $78
Grand Cherokee Limited 2WD $230 $406 $264 $16 $80 $1,021 $85
Grand Cherokee Limited 4WD $230 $406 $264 $16 $80 $1,021 $85
Grand Cherokee SRT-8 4WD $230 $406 $264 $16 $80 $1,021 $85
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Jeep Grand Cherokee insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $166 $278 $264 $16 $80 $804 $67
Grand Cherokee Laredo 4WD $166 $278 $264 $16 $80 $804 $67
Grand Cherokee Limited 2WD $188 $328 $264 $16 $80 $876 $73
Grand Cherokee Limited 4WD $188 $328 $264 $16 $80 $876 $73
Grand Cherokee SRT-8 4WD $188 $328 $264 $16 $80 $876 $73
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in vehicle location which can impact auto insurance rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $11 more each month or $132 each year than requesting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claims, you would probably be better off if you choose a higher deductible.

Informed Consumers Know How to Quote Car Insurance More Affordably

Lots of factors are used in the calculation when you get a price on insurance. Some are obvious such as traffic violations, but other criteria are not as apparent like where you live or your financial responsibility. One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that are used to determine your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

Shop online but buy locally

Some consumers would rather sit down and talk to an agent and doing so can bring peace of mind Insurance agents can help you build your policy and will help you if you have claims. A good thing about getting free rate quotes online is you may find cheaper rates and still choose a local agent.

Honolulu insurance agentsTo help locate an agent, after submitting this quick form, your coverage information is immediately sent to agents in your area who will give you quotes for your business. You won't need to find an agent on your own since rate quotes are delivered to the email address you provide. If you need to get a rate quote from one company in particular, you can always find their quoting web page and complete a quote there.

Finding the right insurer should depend on more than just a cheap price. Any agent in Honolulu should have no problem answering these questions:

Different types of Honolulu car insurance agents

When researching a reliable insurance agent, there are two different types of agents and how they function. Auto insurance agents in Honolulu can either be independent (non-exclusive) or exclusive. Either can handle auto insurance, but we need to point out the differences because it can impact your selection of an agent.

Exclusive Agents

Exclusive agents are contracted to one company and some examples include State Farm or Allstate. Exclusive agencies are unable to compare rates from other companies so always compare other rates. Exclusive agencies are well trained on what they offer which helps them sell on service rather than price. A lot of people buy from the same agent for years mostly because of the brand and solid financial strength.

The following are exclusive agencies in Honolulu that can give you price quotes.

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Independent Agents (or Brokers)

Agents in the independent channel are not employed by any specific company and that enables them to quote your coverage with many different companies and find you cheaper rates. If they find a lower price, they simply move the coverage in-house and that require little work on your part.

If you are trying to find cheaper rates, you need to get quotes from at a minimum one independent agency for maximum quote selection. Many independent agencies also insure through smaller companies which can be an advantage.

Below is a list of independent insurance agents in Honolulu willing to provide rate quotes.

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Protect more than your vehicle

Despite the high cost, car insurance is not optional due to several reasons.

First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage if you want to drive legally. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a lienholder, almost every bank will force you to have full coverage to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Jeep at an extremely high rate and require you to fork over for it.

Third, insurance safeguards both your assets and your Jeep. It will also cover most medical and hospital costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance definitely exceed the price paid, especially for larger claims. The average driver in Hawaii overpays more than $850 per year so you should quote your policy with other companies at every renewal to make sure the price is not too high.

Persistence is the key to cheap rates

As you quote Honolulu car insurance, make sure you don't sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability coverage limits and learned later they didn't have enough coverage. Your goal should be to get the best coverage possible at the best cost.

The cheapest Jeep Grand Cherokee insurance in Honolulu can be sourced online as well as from independent agents in Honolulu, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies may not provide internet price quotes and usually these smaller providers work with independent agents.

Throughout this article, we presented many ways to shop for Jeep Grand Cherokee insurance online. It's most important to understand that the more companies you get rates for, the better your comparison will be. You may even find the best prices are with the least-expected company.

More tips and info about car insurance is located by following these links: