Who Has the Cheapest Car Insurance for a Jeep Grand Cherokee in Corpus Christi?

Buying competitive coverage for a Jeep Grand Cherokee in Texas is usually pretty straightforward, but it is dependent upon many rating criteria such as how far you drive to work, what you do for a living, and any prior driving offenses you have. Drivers pay on average $1,462 a year for Grand Cherokee insurance, but that price is an estimate calculated based on a 40-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.

Odds are that you are not 40 years old and maybe not even female, maybe you are married instead of single, or maybe you’re a renter instead of a homeowner. Insurance is an individual thing, so the way we recommend to find the cheapest insurance price for your Jeep is to compare as many rates as you can.

Find Cheaper Jeep Grand Cherokee Insurance

Vehicle trim level tends to have a direct impact on price, so the price you will be charged to insure a Grand Cherokee Laredo 2WD model will be $160 less expensive the insurance cost for the higher-end Grand Cherokee SRT-8 4WD model, as shown in the table below.

Jeep Grand Cherokee Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $314 $670 $496 $30 $148 $1,658 $138
Grand Cherokee Laredo 4WD $314 $670 $496 $30 $148 $1,658 $138
Grand Cherokee Limited 2WD $356 $788 $496 $30 $148 $1,818 $152
Grand Cherokee Limited 4WD $356 $788 $496 $30 $148 $1,818 $152
Grand Cherokee SRT-8 4WD $356 $788 $496 $30 $148 $1,818 $152
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in your specific Corpus Christi location which can influence premiums greatly.

Selecting a good quality insurance company can be difficult considering how many different insurance companies sell coverage in Texas. The ranking data displayed below can help you pick which car insurance companies you want to consider purchasing from. The ratings below include companies who write in the majority of U.S. states, so companies without a large exposure are not included in this list.

Top 10 Major Auto Insurance Providers in Corpus Christi Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Major Auto Insurance Providers in Corpus Christi Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Poor driving habits will raise your car insurance rates

In a perfect world, the best way to maintain affordable car insurance rates in Corpus Christi for a Grand Cherokee is to drive attentively and avoid tickets and accidents. The diagram below highlights how traffic violations and accident claims influence insurance costs for different age groups. The premiums assume a married female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of a car insurance policy in Corpus Christi per year with no accidents or violations is $1,764. Add in two speeding tickets and the average cost surges to $2,508, an increase of $744 each year. Then include one accident along with the two speeding tickets and the yearly cost of car insurance for a Jeep Grand Cherokee jumps again to an average of $3,259. That’s an increase of $1,495, or $125 per month, just for not being attentive to the road!

Cost difference between full coverage and liability

Finding cheaper car insurance is important to the majority of drivers, and one of the best ways to pay lower rates for insurance for a Jeep Grand Cherokee is to not pay for full coverage. The illustration below illustrates the difference between car insurance rates with full coverage compared to only the Texas minimum liability coverage. The data is based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied.

If we average the cost for ages 20 through 70, physical damage coverage costs $2,837 per year more than just insuring for liability. Many drivers may wonder if full coverage is worth the money. There is no written rule that is best for determining when to drop physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

There are some scenarios where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

The chart below shows how choosing a deductible can change insurance premiums when researching cheap insurance for a Jeep Grand Cherokee. The premiums assume a married female driver, comp and collision included, and no discounts are applied.

The data above shows that a 50-year-old driver could lower their car insurance rates by $362 a year by switching from a $100 deductible up to a $500 deductible, or save $546 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates $900 each year by using a higher deductible.

When using a larger deductible, it is important to have additional savings on hand to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.