Are you looking for more competitive Jeep Grand Cherokee insurance in Omaha? Drivers who are new to comparison shopping online will find sourcing cheaper Grand Cherokee insurance is harder than it needs to be.
It goes without saying that insurance companies don’t want you shop around. Insureds who get comparison quotes once a year will, in all likelihood, switch companies because there is a good chance of finding better rates. A recent survey discovered that consumers who made a habit of comparing rate quotes saved as much as $850 each year compared to policyholders who never shopped around for cheaper prices.
If finding discount rates on insurance is your intention, then knowing how to shop for insurance coverage can make the process more efficient.
Low Cost companies for Jeep Grand Cherokee insurance in Nebraska
The companies shown below offer comparison quotes in Nebraska. To get cheaper auto insurance in Omaha, we recommend you compare several of them to find the most competitive car insurance rates.
Insurance coverage analysis
The rate information displayed below highlights estimates of coverage prices for Jeep Grand Cherokee models. Having knowledge of how insurance policy rates are calculated can be valuable when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $222 | $442 | $390 | $24 | $116 | $1,194 | $100 |
| Grand Cherokee Laredo 4WD | $222 | $442 | $390 | $24 | $116 | $1,194 | $100 |
| Grand Cherokee Limited 2WD | $250 | $520 | $390 | $24 | $116 | $1,300 | $108 |
| Grand Cherokee Limited 4WD | $250 | $520 | $390 | $24 | $116 | $1,300 | $108 |
| Grand Cherokee SRT-8 4WD | $250 | $520 | $390 | $24 | $116 | $1,300 | $108 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in specific Omaha garaging location which can change coverage prices greatly.
Rate comparison for different deductibles
When comparing insurance rates, the most common question is at what level do you set your deductibles. The following tables illustrate the difference in cost between high and low deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Grand Cherokee Laredo 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Grand Cherokee Limited 2WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Grand Cherokee Limited 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Grand Cherokee SRT-8 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Grand Cherokee Laredo 4WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Grand Cherokee Limited 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Grand Cherokee Limited 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Grand Cherokee SRT-8 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in Omaha location which can raise or lower insurance rates significantly.
Based on this data, using a $100 deductible will cost you roughly $22 more each month or $264 for a full year than buying the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 18 months between claim filings, you would probably be better off if you choose the higher deductible.
Insurance rates are higher with tickets and accidents
The illustration below demonstrates how traffic citations and at-fault accidents can increase Jeep Grand Cherokee premium costs for different ages of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
Annual premiums for males versus females
The diagram below shows the comparison of Jeep Grand Cherokee insurance prices for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no policy discounts are applied.
Discount Omaha car insurance rates
Car insurance is not inexpensive, but you may be missing some discounts that can drop the cost substantially. A few discounts will automatically apply when you get a quote, but some may not be applied and must be inquired about prior to getting the savings.
- Active Service Discounts – Being on active duty in the military could trigger a small discount.
- Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Accident Forgiveness – This one is not really a discount per se, but some companies like GEICO and Allstate will forgive one accident without getting socked with a rate hike if you have no claims for a set time period.
- No Claims – Insureds with no claims or accidents have much lower rates as compared to frequent claim filers.
- Senior Citizen Discount – Drivers over the age of 55 may receive lower premium rates.
While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, companies wouldn’t make money that way.
The chart below compares Jeep Grand Cherokee car insurance costs with and without some available policy discounts. The prices are based on a male driver, no accidents, no driving violations, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, homeowner, and claim-free discounts applied.
Larger car insurance companies and some of the premium reductions they offer are detailed below.
- GEICO offers discounts for driver training, membership and employees, multi-policy, five-year accident-free, air bags, federal employee, and anti-lock brakes.
- Mercury Insurance policyholders can earn discounts including accident-free, multi-policy, low natural disaster claims, professional/association, and ease of repair.
- Farmers Insurance may offer discounts for early shopping, electronic funds transfer, switch companies, homeowner, multi-car, and pay in full.
- Auto-Owners Insurance offers premium reductions for paperless, teen driver, mature driver, company car, air bags, student away at school, and safe vehicle.
- Liberty Mutual may have discounts that include hybrid vehicle, exclusive group savings, good student, multi-policy, and newly married.
- SAFECO may include discounts for bundle discounts, safe driver, homeowner, multi-car, anti-theft, and drive less.
- Progressive discounts include good student, online signing, continuous coverage, homeowner, multi-policy, and multi-vehicle.
- USAA has discounts for multi-policy, good student, multi-vehicle, family discount, driver training, and loyalty savings.
If you need affordable Omaha auto insurance quotes, ask all companies you are considering to apply every possible discount. Some discounts might not be offered in Omaha. To find providers with the best Jeep Grand Cherokee insurance discounts in Nebraska, click this link.
Special considerations
When choosing your policy, there really is not a one size fits all plan. Your financial needs are unique so this has to be addressed. These are some specific questions might help in determining whether or not you would benefit from professional advice.
- Do I need roadside assistance coverage?
- Does rental coverage apply when I am renting a car?
- Should I pay a claim out-of-pocket?
- How much liability do I need to cover my assets?
- What is the rate difference between pleasure use and commuting?
- If I use my vehicle for business use is it covered?
- When should I have rental car coverage?
- Are all vehicle passengers covered by medical payments coverage?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
When should I get advice from an insurance agency?
Some consumers just want to talk to a local agent and that is a personal choice. A good thing about comparing rate quotes online is the fact that you can find lower premium rates and still have a local agent. And buying from neighborhood insurance agencies is still important in Omaha.
Upon completion of this quick form, the quote information is emailed to participating agents in Omaha that provide free Omaha auto insurance quotes for your business. It makes it easy because there is no need to search for an agent since price quotes are sent directly to you. You can get cheaper insurance rates and a licensed agent to talk to. If you want to get a price quote from a particular provider, you just need to jump over to their website and fill out their quote form.
The difference between Omaha auto insurance agents
When searching for a reputable agency, there are a couple of different types of agents and how they can quote your rates. Omaha agents can be classified as either independent or exclusive.
Independent Insurance Agencies or Brokers
Agents of this type do not sell for just one brand and that allows them to write policies with an assortment of companies depending on which coverage is best. If your premiums go up, the business is moved internally and you don’t have to find a new agent. If you need cheaper insurance rates, you will want to check rates from a couple of independent agencies to get the best comparison. Most can insure with smaller companies which can be an advantage.
Below is a small list of independent insurance agencies in Omaha that can possibly get you rate quotes.
- Accredited Insurance Group, Inc.
11347 Davenport St – Omaha, NE 68154 – (402) 334-1780 – View Map - Vander Vorst Insurance Agency
15037 Industrial Rd – Omaha, NE 68144 – (402) 330-7979 – View Map - BW Insurance Agency, Inc.
13906 Gold Cir # 103 – Omaha, NE 68144 – (402) 918-0102 – View Map
Exclusive Insurance Agents
Exclusive insurance agents can only write with one company like Farmers Insurance, State Farm, or Allstate. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. These agents are highly trained on their company’s products which helps them compete with independent agents. Consumers often use the same agent partially due to high brand loyalty instead of buying on price only.
The following is a list of exclusive insurance agents in Omaha that are able to give rate quotes.
- State Farm® insurance – Beau Iske
13829 Millard Ave – Omaha, NE 68137 – (402) 895-4424 – View Map - American Family Insurance – John Cuenca
4601 S 50th St Ste 306 – Omaha, NE 68117 – (402) 614-5004 – View Map - State Farm: Tom Rivera
3750 N 156th St – Omaha, NE 68116 – (402) 965-8880 – View Map
Choosing the best car insurance agent should include more criteria than just the price. Here are some questions you might want to ask.
- Does the agent help file claims?
- Is the agent and/or agency licensed to do business in Nebraska?
- How many years have they been established?
- Can glass claims be handled at your home?
- Who are their largest clients?
- How much will you save each year by using a higher deductible?
- Are there any extra charges for paying monthly?
- Is there a Errors and Omissions policy in force?
Persistence will pay off
Cheaper Jeep Grand Cherokee insurance in Omaha can be sourced both online and also from your neighborhood Omaha agents, and you should be comparing both to get a complete price analysis. Some companies may not have the ability to get a quote online and most of the time these smaller companies prefer to sell through independent insurance agents.
Throughout this article, we presented a lot of information how to find affordable Jeep Grand Cherokee insurance in Omaha. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from a smaller regional carrier. Smaller companies may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.
When you buy Omaha auto insurance online, don’t be tempted to reduce coverage to reduce premium. In too many instances, someone sacrificed full coverage to discover at claim time that it was a big mistake. Your aim should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.
Steps to buying affordable Jeep Grand Cherokee insurance in Omaha
The best way to get more affordable Jeep Grand Cherokee insurance is to regularly compare price quotes from insurers who can sell car insurance in Omaha.
- Spend some time learning about how auto insurance works and the factors you can control to prevent expensive coverage. Many policy risk factors that drive up the price such as your driving record and a less-than-favorable credit history can be amended by making small lifestyle or driving habit changes.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
- Compare the new rate quotes to your current policy premium and determine if cheaper Grand Cherokee coverage is available in Omaha. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide written notification to your current company of your intention to cancel the current policy. Submit the required down payment along with the signed application for your new policy. As soon as you can, keep the new certificate of insurance above your visor, in the console, or in the glove compartment.
One thing to remember is to make sure you’re comparing the same deductibles and limits on every quote request and and to compare as many companies as possible. Doing this provides a fair rate comparison and the best price selection.
Additional articles
- Understanding Limits and Deductibles (Allstate)
- What Car Insurance is Cheapest for Immigrants in Omaha? (FAQ)
- Who Has Affordable Auto Insurance for Low Income Drivers in Omaha? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)