A recent NerdWallet.com study revealed that almost 70% of drivers in Hawaii kept buying from the same company for four years or more, and 38% of customers have never shopped around. With the average car insurance premium being $1,847, American drivers could save approximately $850 every year just by getting comparison quotes, but they don’t believe the rate savings if they switched to a more affordable policy.
The most effective way to get discount Jeep Grand Cherokee insurance is to make a habit of regularly comparing prices from insurance carriers who sell auto insurance in Honolulu. You can compare prices by following these steps.
Step 1: Try to understand how car insurance works and the modifications you can make to keep rates low. Many factors that cause rate increases like traffic violations and poor credit rating can be eliminated by making minor driving habit or lifestyle changes. Later in this article we will cover additional ideas to get cheaper coverage and earn a bigger discount.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can quote rates from multiple companies.
Step 3: Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
One piece of advice is to use the same physical damage deductibles and liability limits on each quote request and and to get prices from as many companies as possible. This ensures a level playing field and plenty of rates choose from.
Companies offering low-cost Jeep Grand Cherokee rate quotes in Honolulu, HI
The companies in the list below offer free rate quotes in Honolulu, HI. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.
Jeep Grand Cherokee insurance charts and tables
The data table displayed below covers different insurance policy prices for Jeep Grand Cherokee models. Having a good understanding how rate quotes are determined can help guide drivers when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $158 | $286 | $248 | $14 | $74 | $780 | $65 |
| Grand Cherokee Laredo 4WD | $158 | $286 | $248 | $14 | $74 | $780 | $65 |
| Grand Cherokee Limited 2WD | $178 | $338 | $248 | $14 | $74 | $852 | $71 |
| Grand Cherokee Limited 4WD | $178 | $338 | $248 | $14 | $74 | $852 | $71 |
| Grand Cherokee SRT-8 4WD | $178 | $338 | $248 | $14 | $74 | $852 | $71 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in specific zip code location which can revise auto insurance rates greatly.
Analysis of deductible levels
One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The rates below sum up the differences in price when you buy lower versus higher policy deductibles. The first set of prices uses a $250 deductible and the second rate table uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in vehicle location which can affect coverage prices considerably.
We can estimate from the data above that using a $250 deductible could cost the average driver approximately $11 more each month or $132 each year across all Jeep Grand Cherokee models than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 23 months between claims, you would probably save some money if you decide on a higher deductible.
The illustration below demonstrates how deductibles and can impact Jeep Grand Cherokee annual premium costs for each different age category. The prices are based on a married female driver, comp and collision included, and no policy discounts are applied.
Verify you’re receiving every discount
The cost of insuring your cars can be expensive, but you may qualify for discounts that can drop the cost substantially. Certain credits will be shown when you complete an application, but a few must be manually applied prior to receiving the credit.
- College Student Discount – College-age children who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
- Discounts for New Vehicles – Adding a new car to your policy is cheaper because newer models keep occupants safer.
- ABS Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- No Charge for an Accident – Not a discount per se, but certain companies will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.
- Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
- Clubs and Organizations – Being in specific professional or occupational memberships or organizations could trigger savings on your next insurance statement.
- Theft Deterrent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more on Grand Cherokee insurance in Honolulu.
- Multiple Vehicles – Having several vehicles on one policy qualifies for this discount.
- Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may qualify for discounts up to 30%.
Discounts lower rates, but most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.
The example below illustrates the comparison of Jeep Grand Cherokee insurance premiums with and without discounts applied. The rate quotes are based on a female driver, no claims or violations, Hawaii state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, multi-policy, and claim-free discounts applied.
Popular insurance companies and the discounts they provide are:
- 21st Century policyholders can earn discounts including automatic seat belts, teen driver, homeowners, student driver, theft prevention, and defensive driver.
- State Farm may have discounts that include Drive Safe & Save, defensive driving training, good driver, accident-free, multiple autos, and anti-theft.
- AAA discounts include good student, pay-in-full, multi-policy, anti-theft, and multi-car.
- Liberty Mutual offers discounts for good student, multi-policy, safety features, newly married, new vehicle discount, and new graduate.
- Progressive includes discounts for continuous coverage, online quote discount, good student, homeowner, online signing, multi-vehicle, and multi-policy.
Check with all the companies how you can save money. A few discounts might not be offered in your state. To see insurance companies that offer discounts in Honolulu, follow this link.
You may need specialized insurance coverage
When quoting and choosing proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.
- Is my camper covered by my car insurance policy?
- Is my trailer covered?
- Are combined or split liability limits better?
- How do I insure my teen driver?
- Am I covered when delivering products for my home-based business?
- How can I get my company to pay me more for my totaled car?
- Where can I find high-risk insurance?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Compare prices but still have a local neighborhood Honolulu car insurance agent
Some consumers would prefer to sit down and talk to an agent and doing that can be a smart decision Professional agents can help you build your policy and will help you if you have claims. A good thing about getting online price quotes is you can get lower premium rates and still buy from a local agent. Putting coverage with local agents is especially important in Honolulu.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is immediately sent to companies in Honolulu who will give competitive quotes for your business. You won’t need to drive around as quotes are delivered to you. In the event you want to get a comparison quote from a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.
When looking for a reputable insurance agent or broker, it helps to know the two different types of agents and how they are distinctly different. Car insurance agents in Honolulu are either exclusive or independent agents depending on their company appointments. Either can sell and service car insurance coverage, but it is important to understand how they differ because it can influence which type of agent you select.
Independent Agents
Independent agencies are not restricted to one company and that enables them to quote your coverage with lots of companies and find you cheaper rates. If your premiums go up, they simply switch companies in-house which is easy for the insured.
When comparing car insurance prices, we highly recommend that you check rates from independent agents so that you can do a thorough price comparison. Most independent agents also contract with additional companies that you may not be familiar with which can save you money.
The following is a list of independent insurance agencies in Honolulu that may be able to give pricing information.
- Atlas Insurance
1132 Bishop St #1600 – Honolulu, HI 96813 – (808) 533-8728 – View Map - First Insurance Co of Hawaii Limited
1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 – Honolulu, HI 96818 – (808) 527-7777 – View Map - Rosten Y Tsuha Insurance Agency Inc
1350 S King St #303 – Honolulu, HI 96814 – (808) 591-5545 – View Map
Exclusive Agencies
Agents of this type are contracted to one company like Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to provide other company’s prices so it’s a take it or leave it situation. They are highly trained on what they offer which helps overcome the inability to quote other rates. Some people will only use the same exclusive agent mainly due to the brand instead of buying on price only.
The following is a short list of exclusive insurance agencies in Honolulu that can give you price quotes.
- Allstate Insurance: Erick Ellgren
1806 S King St Ste 32 – Honolulu, HI 96826 – (808) 941-2886 – View Map - Allstate Insurance: Ricky N. Bonilla
2024 N King St #101b – Honolulu, HI 96819 – (808) 842-5844 – View Map - Allstate Insurance: Thomas Choi
1130 N Nimitz Hwy Rm A260 – Honolulu, HI 96817 – (808) 664-0970 – View Map
Choosing a insurance agent requires you to look at more than just a cheap price. Any agent in Honolulu should be forthright in answering these questions:
- How much will you save each year by using a higher deductible?
- Do they carry Errors and Omissions coverage?
- When do they do policy reviews?
- Which company do they place the most coverage with?
- Will the quote change when the policy is issued?
- Does the agency have a good rating with the Better Business Bureau?
- Can glass repairs be made at your home?
Cheap rates are available
While you’re price shopping online, never buy less coverage just to save a little money. In many cases, drivers have reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at a price you can afford, but do not skimp to save money.
Cheap Jeep Grand Cherokee insurance in Honolulu can be bought on the web in addition to many Honolulu insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not have the ability to get a quote online and these smaller providers work with local independent agencies.
In this article, we presented many tips how you can reduce Jeep Grand Cherokee insurance car insurance rates online in Honolulu. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the most savings is with the smaller companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.
To read more, take a look at these articles:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 60 in Honolulu? (FAQ)
- Who Has Affordable Honolulu Car Insurance Quotes for Drivers with a DUI? (FAQ)
- How Much are Car Insurance Quotes for a 20 Year Old Female in Honolulu? (FAQ)
- Who Has Affordable Honolulu Auto Insurance for Real Estate Agents? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Vehicle Insurance (Wikipedia)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- State Car Insurance Guides (GEICO)