Save on 2014 Jeep Grand Cherokee Insurance Rates

Trying to find lower insurance coverage rates for your Jeep Grand Cherokee? Did you make the mistake of buying an overpriced insurance coverage policy? Don’t sweat it because there are lots of people in the same boat.

Since drivers have many options, it can be impossible to find a more affordable insurer.

It’s a good habit to compare prices at least once a year since insurance prices change quite often. If you had the best rates for Grand Cherokee coverage a couple years back a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out one of the quickest ways to lower your rates without sacrificing coverage.

This information will tell you the most effective way to quote insurance and some tips to save money. If you have car insurance now, you will be able to cut costs considerably using this information. But drivers should learn how big insurance companies compete online.

Find hidden discounts to get affordable insurance coverage quotes

Auto insurance companies don’t list their entire list of discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known credits that may apply to you. If you’re not getting every credit you qualify for, you may be paying too high a price.

• No Claim Discounts – Insureds with no claims or accidents can save substantially when compared with frequent claim filers.
• Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Geico, Allstate and Liberty Mutual permit an accident before they charge you more for coverage if you have no claims for a certain period of time.
• Service Members Pay Less – Having a family member in the military could qualify you for better rates.
• Sign Early and Save – A few insurance coverage companies allow discounts for switching to them before your current coverage expires. It could save around 10% when you buy insurance coverage online.
• Senior Citizen Discount – Seniors may qualify for a small decrease in premiums for Grand Cherokee coverage.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save up to 15% off the medical payments premium.
• Bundled Policy Discount – If you have multiple policies and insure them with the same company you could get a discount of up to 20% and get you the cheapest insurance coverage.
• New Vehicle Savings – Putting insurance coverage coverage on a new car may earn a small discount because newer vehicles keep occupants safer.
• Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be able to be covered for less.

Consumers should know that many deductions do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Popular insurance coverage companies and some of their more popular discounts are outlined below.

• Esurance may include discounts for online shopper, multi-policy, good driver, multi-car, and Pac-12 alumni.
• The Hartford discounts include air bag, bundle, anti-theft, good student, defensive driver, driver training, and vehicle fuel type.
• AAA offers discounts including good driver, multi-car, AAA membership discount, education and occupation, and anti-theft.
• Geico has savings for good student, air bags, federal employee, multi-policy, military active duty, five-year accident-free, and anti-lock brakes.
• State Farm offers discounts for driver’s education, good driver, Steer Clear safe driver discount, accident-free, student away at school, safe vehicle, and multiple autos.

Double check with every prospective company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in every state. To choose insurance companies that offer many of these discounts, follow this link.

Four factors that affect insurance premiums

Part of the auto insurance buying process is learning the different types of things that play a part in calculating your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that can help you get lower rates. Lots of things are used in the calculation when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but other factors are not quite as obvious like your vehicle usage or how safe your car is.

The itemized list below are some of the items used by companies to determine your rate level.

• Men drivers tend to cost more – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that males are worse at driving than females. Both sexes cause auto accidents in similar percentages, but the male of the species have accidents that have higher claims. Men also tend to receive more major tickets such as DWI and reckless driving.
• Your address can affect rates – Residing in a rural area is a positive aspect when talking about auto insurance. Drivers in populated areas tend to have traffic congestion and more severe claims. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft.
• Small claims can cost you – Auto insurance companies provide the lowest premiums to people who only file infrequent claims. If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
• Safer cars cost less to insure – Cars with five star safety ratings get lower rates. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and cheaper rates on your policy.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation would benefit from professional advice.

• Am I covered when using my vehicle for business?
• Does medical payments coverage apply to all occupants?
• Am I getting all the discounts available?
• Are there companies who specialize in insuring high-risk drivers?
• What is UM/UIM insurance?
• Will filing a claim cost me more?
• Is my camper covered by my car insurance policy?
• When should I buy a commercial auto policy?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance companies are expert advertisers

Big name companies like Progressive, Geico, Allstate and State Farm regularly use ads in print and on television. They all seem to convey the message of big savings if you switch your car insurance coverage to their company. How is it plausible that every one can charge you less for auto insurance?

All companies have specific characteristics for the type of customer that will generate a profit. For example, a driver they prefer might be described as a married female, carries full coverage, and has great credit. Any person who matches that profile may get the lowest premium rates and as a result will probably save when switching.

Consumers who are not a match for the ideal profile will probably be forced to pay a higher premium and this results in the customer not purchasing. If you pay attention, the ads say “customers that switch” not “everyone that quotes” will save that much if they switch. This is how insurance companies can make claims that they all have the best auto insurance rates.

Because each company has a different risk profile, you should get price quotes at each policy renewal. It’s just too difficult to predict which car insurance company will have the lowest rates for your situation.

What auto insurance coverages do you need?

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.

Coverage for collisions

Collision insurance pays for damage to your Grand Cherokee resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

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

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as bail bonds, repair bills for other people’s vehicles, medical services and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses like dental work, funeral costs and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, vandalism, falling objects, hail damage and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

You can do this!

A few companies may not provide rate quotes online and usually these smaller companies sell through independent agents. Budget-conscious 2014 Jeep Grand Cherokee insurance can be sourced from both online companies as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

You just read many ideas to reduce 2014 Jeep Grand Cherokee insurance rates online. The key concept to understand is the more providers you compare, the higher your chance of finding the cheapest insurance coverage. Drivers may discover the most savings is with a smaller regional carrier. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

Additional insurance coverage information is located at these links:

• Avoiding Deer Collisions (Insurance Information Insitute)
• How Much is Car Insurance for a Jeep Grand Cherokee in Fort Worth? (InsureFortWorth.com)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)