View 2013 Jeep Grand Cherokee Insurance Quotes

Want cheaper auto insurance rates for your Jeep Grand Cherokee? I doubt anyone loves paying for auto insurance, in particular when they could find better rates elsewhere. Drivers have so many insurance companies to choose from, and although it’s nice to have multiple companies, it makes it harder to find a good deal.

It’s smart to price shop coverage yearly because prices change quite often. Just because you found the lowest price for Grand Cherokee coverage two years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to use the internet to find great coverage at a great price.

Buying car insurance is not that difficult. If you have insurance now or need a new policy, you can use these techniques to find the best rates and still get good coverage. Consumers just need to understand the proper methods to shop for insurance over the internet.

How to lower your insurance rates

Many factors are considered when premium rates are determined. Some are obvious such as traffic violations, but some are more transparent such as your credit history or how financially stable you are.

The list below includes some of the things used by insurance companies to determine your premiums.

• Getting married can lower rates – Your spouse helps lower the price when shopping for auto insurance. Marriage translates into being more financially stable and statistics prove married couples file fewer claims.
• Experienced drivers save more – Older insureds are more responsible, are lower risk to insure .Young drivers are proven to get distracted easily behind the wheel so they pay higher auto insurance rates.
• Better prices with anti-theft devices – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your vehicle from being stolen.
• Only buy what you need – Policies have extra add-on coverages that you can get tricked into buying if you aren’t careful. Things like rental car reimbursement, accident forgiveness, and extra equipment coverage may be costing you every month. They may seem good when talking to your agent, but your needs may have changed so get rid of them and save.

More affordable rates with these insurance discounts

Car insurance companies don’t list every discount they offer in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

• Telematics Data – Insureds that choose to allow data collection to monitor when and where they use their vehicle by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they have good driving habits.
• Save over 55 – Drivers that qualify as senior citizens may receive a small discount on rates for Grand Cherokee coverage.
• Defensive Driver Discounts – Participating in a course that instructs on driving safety can save you 5% or more depending on where you live.
• One Accident Forgiven – Not a discount per se, but certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims before the accident.
• Paper-free Discount – Certain larger companies will give you a small discount simply for signing digitally online.
• Cautious Driver Discount – Insureds without accidents can save up to 40% or more on their car insurance quote for Grand Cherokee coverage than drivers with accidents.
• Lower Rates for Military – Being deployed in the military may lower your insurance rates slightly.
• Discounts for New Vehicles – Insuring a new car can save you some money because newer vehicles keep occupants safer.

Discounts save money, but please remember that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

Companies and some of their more popular discounts are outlined below.

• Farm Bureau has discounts for multi-vehicle, safe driver, youthful driver, 55 and retired, driver training, and renewal discount.
• Liberty Mutual discounts include new graduate, preferred payment discount, safety features, exclusive group savings, and multi-car.
• State Farm offers discounts including anti-theft, driver’s education, student away at school, multiple policy, good driver, and good student.
• Auto-Owners Insurance offers premium reductions for good student, group or association, multi-policy, safe vehicle, and student away at school.
• Geico includes discounts for federal employee, defensive driver, emergency military deployment, air bags, and military active duty.
• SAFECO has savings for teen safety rewards, accident prevention training, multi-car, anti-lock brakes, and bundle discounts.

When comparing rates, check with every company what discounts are available to you. A few discounts might not be offered on policies in your area. For a list of insurers with significant discounts, click here.

Insurance coverage companies are expert advertisers

Drivers can’t avoid all the ads for the lowest price insurance coverage from companies such as Allstate, Geico and Progressive. They all seem to state the claim that drivers can save some big amount just by switching your policy.

How does every company make almost identical claims? Here is the trick they use.

Companies have underwriting criteria for a prospective insured that makes them money. An example of this type of insured might have to be a mature driver, insures multiple vehicles, and drives less than 5,000 miles a year. Anybody that fits those parameters will most likely get cheap premium rates and as a result will probably save some money.

Insureds who are not a match for the ideal profile will probably be forced to pay higher premiums with the end result being the customer buying from a different company. The trick is to say “people who switch” not “everyone who quotes” save that much. That is how companies can lure you into getting a quote. Because of the profiling, you need to do a rate comparison at every renewal. Because you cannot predict with any certainty which company will provide the lowest premium rates.

Auto insurance can get complicated

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might help in determining whether your personal situation could use an agent’s help.

• Should I rate my 2013 Jeep Grand Cherokee as pleasure use or commute?
• Should I drop comprehensive coverage on older vehicles?
• What is covered by UM/UIM coverage?
• Can my teen drive my company car?
• How much liability do I need to cover my assets?
• Where can I find DUI or SR-22 insurance?
• Is my custom paint covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage options for a 2013 Jeep Grand Cherokee

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by auto insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like ambulance fees, pain medications and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, rock chips in glass and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as emergency aid, legal defense fees, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2013 Jeep Grand Cherokee.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Auto collision coverage

Collision insurance will pay to fix damage to your Grand Cherokee from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Keep this in mind

Lower-priced insurance can be found from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not offer online rate quotes and these regional insurance providers only sell through independent insurance agencies.

When getting car insurance quotes online, you should never sacrifice coverage to reduce premiums. There are too many instances where an insured cut uninsured motorist or liability limits only to regret they didn’t have enough coverage. The aim is to buy enough coverage at the best possible price while not skimping on critical coverages.

We just showed you a lot of tips how to save on 2013 Jeep Grand Cherokee insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting low cost car insurance. You may even discover the most savings is with a smaller regional carrier. These smaller insurers often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate and Progressive.

For more information, feel free to browse the articles below:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Safety Features for Your New Car (State Farm)
• Drunk Driving Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)