Compare Jeep Grand Cherokee Insurance Rate Quotes in New Orleans

Truthfully, the best way to find affordable auto insurance rates in New Orleans is to regularly compare quotes from insurance carriers that sell auto insurance in Louisiana. Drivers can shop around by following these guidelines.

• Step 1: Gain an understanding of how auto insurance works and the measures you can take to prevent high rates. Many rating criteria that result in higher prices like traffic citations, accidents, and poor credit history can be remedied by making minor driving habit or lifestyle changes.
• Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while independent agents can provide rate quotes from many different companies.
• Step 3: Compare the new rates to your current policy and see if there is a cheaper rate. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.
• Step 4: Provide proper notification to your current company of your intent to cancel your current auto insurance policy and submit a completed application and payment for the new coverage. Once received, put the new certificate of insurance in your vehicle.

One important bit of advice is that you’ll want to compare identical limits and deductibles on each quote request and and to get price quotes from as many companies as possible. This helps ensure an apples-to-apples comparison and many rates to choose from.

It’s hard to believe, but a large majority of consumers have purchased from the same company for a minimum of four years, and about 40% of consumers have never quoted rates to find affordable coverage. The average driver in the U.S. could save an average of roughly $850 each year by just comparing quotes, but they don’t know the amount of savings they would get if they switched to a cheaper policy.

This article’s goal is to help educate you on how to compare rates easily. If you already have coverage, you will most likely be able to reduce the price you pay using these tips. But Louisiana consumers do need to know how companies charge you for coverage because rates are impacted by many factors.

The quickest method we recommend to compare rates for Jeep Grand Cherokee insurance in New Orleans is to know the trick car insurance companies have advanced systems to give free rates quotes. To begin a comparison, all you need to do is give the companies some data like if a SR-22 is required, whether you are married, what you do for a living, and if you are currently licensed. That rating information is then submitted to multiple different insurance companies and you receive quotes within a short period of time.

To start a quote now, click here and complete the form.

The auto insurance companies shown below are ready to provide price quotes in Louisiana. If you want cheaper car insurance in New Orleans, it’s a good idea that you visit two to three different companies to get the best price comparison.

Rates and other information

The premium table shown next highlights a range of insurance policy prices for Jeep Grand Cherokee models. Learning as much as possible about how policy premiums are figured is important to be able to make decisions when choosing a new policy provider.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle garaging location which can revise auto insurance rates considerably.

Rate comparison for different deductibles

One of the more difficult decisions when buying insurance is how high should the physical damage coverage deductibles be. The rates below can help show the difference in cost between low and high physical damage deductibles. The first set of prices uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage prices significantly.

We can derive from the above data that using a $100 deductible costs an average of $49 more each month or $588 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 18 months between claims, you would probably be better off by going with a higher deductible.

Jeep Grand Cherokee liability rates compared to full coverage

The information below compares Jeep Grand Cherokee annual premium costs with full physical damage coverage and with liability coverage only. The premiums assume a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no policy discounts are applied.

When to stop paying for full coverage

There isn’t a written rule to delete physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Jeep Grand Cherokee settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the deductible is paid. If it’s costing in excess of $600 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some conditions where removing full coverage is not a good plan. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Get cheaper rates with discounts

Auto insurance companies don’t always list all discounts in an easy-to-find place, so the next list breaks down both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates. If you’re not getting every credit available, you are not getting the best rate possible.

• Military Rewards – Being deployed with a military unit may lower your insurance rates slightly.
• Safety Course Discount – Participating in a driver safety class could possibly earn you a 5% discount if you qualify.
• Low Miles Discount – Fewer annual miles on your Jeep could qualify for lower rates on the low mileage vehicles.
• Telematics Devices – New Orleans drivers who agree to allow companies to spy on when and where they use their vehicle by using a telematics device such as State Farm’s In-Drive might see lower rates if they have good driving habits.
• Good Student Discount – Maintaining excellent grades can save 20 to 25%. The discount lasts well after school through age 25.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.

The diagram below shows the difference between Jeep Grand Cherokee insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, no claims, a clean driving record, Louisiana 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 homeowner, safe-driver, claim-free, multi-car, multi-policy, and marriage discounts applied.

To locate companies who offer cheap Jeep Grand Cherokee insurance quotes in New Orleans in Louisiana, click this link.

Insurance is not optional but you don’t have to overpay

Despite the fact that insurance is not cheap in New Orleans, insurance is mandatory in Louisiana but it also protects more than you think.

• Just about all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability if you want to drive legally. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your vehicle has a loan, almost all lenders will make it a condition of the loan that you have comprehensive coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Jeep at a much higher rate and require you to pay for the expensive policy.
• Insurance preserves not only your car but also your assets. Insurance will pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having insurance definitely exceed the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is overpaying more than $865 each year so compare rates at least once a year to help ensure money is not being wasted.

When should I discuss my situation with an agent?

When it comes to the best insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique and your insurance should unique, too.
These are some specific questions can help discover if your situation would benefit from professional advice.

• Where can I find high-risk insurance?
• How can I force my company to pay a claim?
• Do I benefit by insuring my home with the same company?
• Do I need to call my car insurance company before buying a new car?
• What does medical payments coverage do?
• What is an adequate liability insurance limit?
• Is rental equipment covered for theft or damage?
• What is PIP insurance?
• Is my custom stereo system covered?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Can’t I compare rates from local New Orleans insurance agents?

A lot of people would rather buy from a licensed agent and that is not a bad decision One of the great benefits of getting online price quotes is that drivers can save money and get cheaper premium rates and still choose a local agent. Supporting local agencies is definitely important in New Orleans.

Upon completion of this simple form, the coverage information is sent to local insurance agents who will gladly provide quotes to get your business. You won’t need to find an agent since price quotes are sent instantly to you. It’s the lowest rates AND an agent nearby. If for some reason you want to compare rates from a particular provider, you just need to search and find their rate quote page and fill out their quote form.

Listed below are agents in New Orleans that may be able to provide price quotes for Jeep Grand Cherokee insurance in New Orleans.

• ABC Insurance
  4101 S Carrollton Ave c – New Orleans, LA 70119 – (504) 486-0123 – View Map
• State Farm – Mia DeLouise
  5638 Jefferson Hwy – New Orleans, LA 70123 – (504) 739-7979 – View Map
• Lovecchio Insurance
  1510 Robert E Lee Blvd – New Orleans, LA 70122 – (504) 284-7778 – View Map
• USAgencies Insurance
  6003 Bullard Ave #6 – New Orleans, LA 70128 – (504) 517-8884 – View Map

More insurance agents

Finding the right company requires you to look at more than just a cheap price. The answers to these questions are important, too.

• When do they do a full risk review?
• If they are an independent agency in New Orleans, which companies do they recommend?
• Is there a local claims center in New Orleans?
• Will you get a loaner vehicle if you car is being repaired?
• If you have an accident, will your rates go up?
• Will the agent or a CSR service your policy?
• Can glass repairs be made at your home?