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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
Jan Figueroa
Like your site, BTW. I’m just east of Phoenix, Arizona. Quoted with GEICO, Hartford, and Eastwood for my 2012 Jeep Grand Cherokee and saved just over $480 a year. Was with GEICO.
Nancey Wiggins
This is too expensive. I live just outside Norfolk, Virginia. Quoted with GEICO, American Family, Eastwood, and The General for my Grand Cherokee and saved just over $460 a year.
Liz Meadows
Are custom wheels covered by insurance?
Marcie Knight
Hope my car insurance gets cheaper. I live just outside Rio Rancho, New Mexico. Received quotes from Nationwide, Esurance, Allstate, and American Family for my Grand Cherokee and I think I saved about $50 each month. Left Sentry to switch. BTW speeding tickets are not good. It never hurts to quote around.
Malik Blake
I live in a small town just outside of Jackson, MS. I got free quotes from Progressive, Hanover, and Encompass for my Grand Cherokee and saved $472 a year. Left MetLife to switch. I’m a pretty good driver though.
Kasie Graves
Will 21st Century do a SR22 in Montana?
Edythe Alford
Does State Farm offer multi-policy discounts?
Maurice Gillespie
I live just outside Grand Forks, ND. Got rates from State Farm, Farmers, and Liberty Mutual for my 2012 Jeep Grand Cherokee and cut my rates about $90 a year. Left Mercury to switch. Just waiting to see how claims go.
Betsey Combs
Compared rates with GEICO and American Family but still pricey.
Marylynn Garza
Why are claims settled so low?
Carmela Thompson
Cheaper not always better. I live in a small town just outside of Raleigh, North Carolina. Quoted with AAA, Sentry, and a few others for my 2012 Jeep Grand Cherokee and saved just over $100 a year. I have a teen driver too. Still almost need a second mortgage.
Yuri Reilly
I live on the south side of New Orleans, LA. Compared quite a few companies. Saved darn near $50 a month. GEICO was the cheapest for me.
Kesha Pittman
I live just to the south of Aberdeen, SD. Quoted quotes with Hanover, Auto-Owners, MetLife, and a couple others for my 2012 Jeep Grand Cherokee and am saving around $470 a year. I have a couple other vehicles on the policy. Not sure if rates are cheaper online or not.
Jeanice Rose
I got quite a few price quotes for a 2012 Jeep Grand Cherokee in Gaithersburg, Maryland. Ended up at roughly $140 every six months with AAA. Left Esurance to switch. I have kids on my policy, too. Not sure if rates are cheaper online or not.
Marivel Floyd
Does Allstate insure teenage drivers?
Bryan Oneil
Nice info. Live in the eastern part of Norfolk, Virginia. Received prices from USAA, AAA, GMAC, and Mercury for my 2012 Jeep Grand Cherokee and saved just over $170 a year. Left USAA to switch. I have a couple other vehicles on the policy. Not sure if rates are cheaper online or not.
Cherish Bell
Any claims experience with GEICO in Colorado Springs, Colorado?