2012 Jeep Grand Cherokee Insurance Cost

Trying to find cheaper insurance rates for your Jeep Grand Cherokee? Searching for cheaper insurance for a Jeep Grand Cherokee can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to find insurance online so we’re going to tell you the best way to quote coverages for a new or used Jeep and obtain the best price possible either online or from local insurance agents.

You should make it a habit to compare rates as often as possible due to the fact that insurance rates change quite often. Even if you think you had the best premium rates for Grand Cherokee coverage at your last renewal you may be paying too much now. Ignore everything you know about insurance because I’m going to teach you the only way to remove unneeded coverages and save money.

Free auto insurance quotes

Finding more affordable 2012 Jeep Grand Cherokee auto insurance prices can be quick and easy. You just have to invest a little time getting comparison quotes from different insurance companies. Insurance prices can be quoted in just a few minutes using one of these methods.

• If you are pressed for time, the simplest way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing repetitive form submissions for every auto insurance company. In just a few minutes this one form gets coverage cost estimates from multiple companies. It’s the fastest way to compare.
• A different way to compare prices is to manually visit each individual company website and go through the quote process again. For examples sake, we’ll assume you want comparison quotes from Allstate, State Farm and Geico. You would need to spend time going to each site individually to input your insurance information, which can be really labor intensive.

  To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use exactly the same quote data for each price quote. If you are comparing unequal deductibles or liability limits it will be impossible to decipher which rate is best.

You can change your insurance costs

Multiple criteria are used when premium rates are determined. Some of the criteria are obvious like your driving record, but others are not as apparent like your continuous coverage or your vehicle rating.

The items below are a partial list of the pieces auto insurance companies consider when setting your rates.

• Lower rates with continuous coverage – Driving without insurance coverage in place is a misdemeanor and you will pay a penalty because you let your coverage lapse. Not only will rates go up, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.
• Use but don’t abuse your insurance – If you are the type of insured that files lots of claims don’t be surprised to see either policy cancellation or increased premiums. Car insurance companies give cheaper rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
• Lower auto insurance rates with alarm systems – Purchasing a vehicle with an alarm system can earn a premium discount. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent vehicle theft.
• Bump up comp and collision deductibles to lower rates – The deductibles define the amount you are willing to pay if the claim is covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered would be collision with another vehicle, animal collisions, and damage from wind. The more damage repair cost you are required to pay out-of-pocket, the less your auto insurance will be for Grand Cherokee coverage.
• Does your occupation cost you more? – Occupational choices like doctors, architects and miners are shown to have the highest average rates attributed to high stress levels and incredibly demanding work hours. On the flip side, professions such as professors, students and performers have lower than average premiums for Grand Cherokee coverage.
• High credit scores save money – Having a good credit rating factor in your rate calculation. Therefore, if your credit history is low, you could potentially save money when insuring your 2012 Jeep Grand Cherokee by improving your rating. Drivers with high credit scores tend to be more responsible than drivers with lower credit ratings.
• Know your vehicle’s IIHS safety rating – Safe vehicles tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
• Careless drivers pay higher costs – Careful drivers get better prices as compared to careless drivers. Having a single driving citation may cause rates to rise forty percent or more. People who have license-revoking citations like DUI or willful reckless driving might be required by their state to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.

Discounts can really help lower premiums

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time you complete a quote, but some discounts are required to be asked for before being credited.

• Claim Free – Insureds with no claims or accidents pay less in comparison to policyholders that have many claims.
• Multiple Policy Discount – If you can bundle your auto and homeowners insurance with one company you could earn a discount of as much as 10 to 15 percent.
• Multiple Cars – Buying coverage for several vehicles with the same car insurance company qualifies for this discount.
• Professional Memberships – Having an affiliation with qualifying employment or professional organizations may earn a discount on your policy.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
• Save over 55 – If you qualify as a senior citizen, you can get better car insurance rates for Grand Cherokee coverage.
• Low Miles Discount – Fewer annual miles on your Jeep could qualify for substantially lower car insurancerates.

It’s important to understand that some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any amount of discount will cut the premium cost.

To see a list of providers that offer multiple discounts, follow this link.

Will just any policy work for me?

When choosing adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions may help highlight whether you could use an agent’s help.

• Do I have newly-aquired coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Can I afford to pay high deductible claims out of pocket?
• Am I getting all the discounts available?
• What is PIP insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• When should I not file a claim?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Educate yourself about auto insurance coverages

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Jeep Grand Cherokee.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive protection – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from getting keyed and falling objects. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, funeral costs, surgery, nursing services and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability auto insurance – This will cover damage or injury you incur to people or other property. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid, bail bonds, medical expenses and funeral expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Get your money’s worth

We just covered some good ideas how you can shop for 2012 Jeep Grand Cherokee insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies.

Budget-conscious 2012 Jeep Grand Cherokee insurance can be sourced both online as well as from insurance agents, so you should compare both to have the best selection. There are still a few companies who may not have online rate quotes and many times these small insurance companies prefer to sell through local independent agencies.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

More tips and info about car insurance can be read in the articles below:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• How Much is Car Insurance for a Jeep Grand Cherokee in Cincinnati? (QuoteCincinnati.com)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)