Finding cheap coverage for a Jeep Grand Cherokee in Missouri can be pretty simple, but it is dependent upon many rating factors such as the mileage of your daily commute, your credit status, and physical damage deductibles. Drivers in Missouri pay approximately $814 a year for Grand Cherokee insurance, but that figure is a projection calculated using a 50-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
But there is a high likelihood that you may not be 50 years old (or even female), you might be married instead of single, or maybe your Grand Cherokee doesn’t need full coverage. Even a slight change in rating criteria can result in a large change in the cost of insuring your Grand Cherokee.
Car insurance coverage is unique to each driver, so this is why the only way to find cheap insurance prices for your Jeep is to put in the effort to do a thorough rate comparison.
Vehicle trim level will most likely have an effect on the yearly cost, so the rate you will pay to insure a Grand Cherokee Laredo 2WD trim level will be $84 cheaper than the cost to insure the higher-priced Grand Cherokee SRT-8 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$176||$340||$302||$18||$90||$926||$77|
|Grand Cherokee Laredo 4WD||$176||$340||$302||$18||$90||$926||$77|
|Grand Cherokee Limited 2WD||$200||$400||$302||$18||$90||$1,010||$84|
|Grand Cherokee Limited 4WD||$200||$400||$302||$18||$90||$1,010||$84|
|Grand Cherokee SRT-8 4WD||$200||$400||$302||$18||$90||$1,010||$84|
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in specific zip code location which can affect prices noticeably.
Ending up with the best auto insurance company can be difficult considering how many different companies insure vehicles in Kansas City. The ranking information shown next can help you decide which insurers to look at comparing rate quotes with. These ratings are only comprised of companies that write coverage in many states, so companies without a large exposure will not be included in the list.
Top 10 Major Auto Insurers in Kansas City Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Progressive – A+
- Allstate – A+
- The General – A-
Top 10 Major Auto Insurers in Kansas City Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- The Hartford
- Farmers Insurance
The diagram below shows how choosing a deductible can raise or lower annual premium costs when quoting cheap insurance for a Jeep Grand Cherokee. The premiums are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
The data above shows that a 40-year-old driver could lower their policy premium by $260 a year by switching from a $100 deductible to a $500 deductible, or save $392 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could save as much as $866 annually just by using higher deductibles.
When raising deductibles, it will be important to have additional funds in a savings account to cover the extra out-of-pocket expense that comes with higher deductibles.
Here’s why you should shop around
Kansas City auto insurance rates are impacted by many factors which can significantly increase or decrease the policy premium. Simply turning a year older, adding a teenager to your policy, or getting a ticket for careless driving can trigger changes in premium that may make certain companies cheaper in comparison to the competition.
In addition, auto insurance companies change prices every year or even multiple times each year to reflect underwriting profits or losses. An unexpected high level of claims may cause additional price hikes, while lower claims may produce lower-priced Grand Cherokee insurance rates.
To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Kansas City, MO for a 30-year-old male driver with no prior claims, no tickets, and excellent credit. Based on his current situation, USAA might offer the most affordable car insurance rates in Kansas City at $800 per year. This is $462 less than the average price paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are also included in the most affordable Kansas City, MO auto insurance companies.
In this next rate comparison, we will give the driver from above a claim, a lower credit rating, and an imperfect driving record. Since every insurance provider uses a different method to set their prices, comparing rates could now result in a different ranking of the cheapest Kansas City car insurance companies as shown below.
MO Farm Bureau now has the best car insurance rate in Kansas City with Farmers, Nationwide, The Hartford, and Electric now being in the top five. This example proves why it is critical to compare lots of rates to find the cheapest insurance rates for a Jeep Grand Cherokee. Car insurance prices are impacted by many different factors and can change without notice, so the best price three years ago may now cost much more than other companies.
Ideas to find cheaper auto insurance for a Jeep Grand Cherokee
The list below shows some of the recommended money-saving solutions that can help you buy cheap coverage.
- Increase your credit rating
- Avoid accidents and claims
- Try paying for small claims out-of-pocket
- Drive safe vehicles
- Be a safe driver
- Compare rate quotes frequently
That last piece of advice is certainly valuable, as we stressed in the prior information. Prices adjust often, so drivers shouldn’t hesitate to buy a policy from a new company if you find a cheaper price.
Brand loyalty is not necessarily bad, but it’s not a good idea if that stubbornness costs you a wad of cash every year. It only takes a couple minutes to compare rates to find cheaper auto insurance for a Jeep Grand Cherokee in Kansas City.
If you aren’t sure which coverage to buy and prefer to get help from a professional when trying to find the best insurance rates for a Grand Cherokee, the agencies below can probably aid you in deciding which coverage fits your budget.
To find a Kansas City insurance agency closest to you, click the button below the list.
State Farm: Tony Guy
1100 Walnut St #130 – Kansas City, MO 64106 – (816) 221-9066
David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187
Steve Basinger – State Farm Insurance Agent
11040 Holmes Rd #100 – Kansas City, MO 64131 – (816) 942-3288
State Farm: Mike Parisi
416 Armour Rd – North Kansas City, MO 64116 – (816) 221-3840
Francisco Banuelos Insurance
536 Benton Blvd – Kansas City, MO 64124 – (816) 920-5400