Searching for lower car insurance rates for your Jeep Grand Cherokee? Locating low-cost insurance for a Jeep Grand Cherokee can be a lot of work, but you can use these tips and make it easy. There is a better way to compare car insurance rates so you’re going to learn the best way to compare rates for a Jeep and get the best price possible from local insurance agents and online providers.
If you are insured now or are just looking to switch companies, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Locating cheaper auto insurance coverage is easy if you know what you’re doing. Consumers only need to know the tricks to compare price quotes on the web.
Shopping for lower auto insurance rates can be a lot of work if you don’t know the best way to get rate quotes. You can waste a lot of time talking to agents in your area, or you can stay home and use online quoting to maximize your effort.
Most major companies participate in a marketplace that allows shoppers to enter their policy data once, and at least one company returns a rated price based on that information. This system prevents you from having to do repetitive form submissions for each company.
To access this free quoting program, click to open in new window.
The only drawback to using this type of form is you don’t know exactly the companies you will receive quotes from. If you prefer to choose specific providers to compare prices, we have a listing of companies who write auto insurance in your area. Click to view list.
Which method you use is up to you, but compare the exact same coverages and limits on every price quote you get. If you are comparing different liability limits you will not be able to truly determine the lowest rate.
Auto insurance is not an enjoyable expense, but there could be available discounts that you may not even be aware of. Some discounts apply automatically when you quote, but a few must be manually applied in order for you to get them. If you don’t get every credit you qualify for, you’re paying more than you need to.
Just know that many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
Companies who may offer most of the discounts above possibly include:
When getting a coverage quote, ask each insurance company to apply every possible discount. Depending on the company, some discounts may not be offered in your area.
When buying proper insurance coverage, there really is no perfect coverage plan. Every situation is different.
Here are some questions about coverages that might point out whether or not you might need professional guidance.
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Knowing the specifics of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like falling objects, rock chips in glass and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Protection from uninsured/underinsured drivers – This coverage gives you protection 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 as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like funeral costs, doctor visits, ambulance fees, nursing services and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Collision coverages – Collision insurance covers damage to your Grand Cherokee resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as damaging your car on a curb, driving through your garage door, crashing into a building, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, 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 in order to get cheaper collision rates.
Liability coverage – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different 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 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for claims such as loss of income, court costs, repair costs for stationary objects, legal defense fees and pain and suffering. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.
Donte Freeman
I got a good deal I think. I live in a small town just outside of Chicago, Illinois. I quoted with State Farm, Encompass, and Liberty Mutual for my 2015 Jeep Grand Cherokee and I’m now saving $37 a month. A clean driving record helps.
Deidra Black
I’ve had 21st Century for years. I’m in Manchester, New Hampshire.
Sammie Sampson
I chose to switch to State Farm from AIG Insurance. I live in Worcester, Massachusetts. Was with Farmers. It’s still not cheap enough.
Sang Galloway
Cheap car insurance? What’s that? I’m in Hilo, HI. I don’t recall every quote but I ended up saving about $40 each month. Was with Eastwood.
Elyse Gross
State Farm was cheapest for my 2015 Jeep Grand Cherokee in Portland, Maine.
Jerold Quinn
Will State Farm raise rates for a rock chip claim?
Manuela Mcdowell
I live on the north side of Jacksonville, FL. I got free quotes from MetLife, Farmers, State Farm, and American Family for my Jeep and I’m now saving $33 a month.
Elly Meadows
Just my two cents. I live just to the south of Augusta, GA. Quoted with Liberty Mutual, Auto-Owners, MetLife, and a couple others for my Grand Cherokee and I think I am saving around $40 each month. I have a teen driver too.
Moshe Middleton
I compared a lot of rate quotes for a 2015 Jeep Grand Cherokee in Columbia, South Carolina. Ended up at about $240 every six months with Amica. Left Eastwood to switch.
Carmel Pennington
Good detail in your article. I’m in the suburbs of Columbus, Ohio. Received quotes with American Family, Esurance, and Nationwide for my Grand Cherokee and saved just over $540 a year. Was with Amica. LOL
Betty Castro
I’m in the south part of Bangor, Maine. Don’t remember every company but I ended up saving about $50 each month. I have kids on my policy, too.
Richard Moreno
Cheap is not always the best policy. Checking in from Boise, ID. I got free rates from Western Auto Insurance, AIG Insurance, Hanover, and MetLife for my Jeep and I think I saved about $30 each month. Insured with Allstate before.