2015 Jeep Grand Cherokee SRT Insurance Cost – 6 Tips for Cheaper Prices

Searching for lower insurance rates for your Jeep Grand Cherokee SRT? Locating low-cost insurance for a new or used Jeep Grand Cherokee SRT can normally be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to find insurance online so you’re going to learn the proper way to compare rates for a Jeep and locate the cheapest rates.

Finding cheaper coverage is easy if you know what you’re doing. If you are insured now or need a new policy, you can follow these tips to get lower rates while maintaining coverages. Drivers just need to know the tricks to find the lowest price on the web.

Car insurance quotes comparison

Cutting your car insurance rates is pretty simple and can save money. The only requirement is to spend a few minutes on the computer to compare rate quotes from some recommended companies. This is very easy and can be done using one of these methods.

• Hands down the most simple method to get quotes for comparison is a comparison rater form click here to open form in new window. This quick form keeps you from doing separate quotes for every car insurance company. A single, simple form will get you price quotes from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
• A harder way to analyze rates requires a trip to the website of each company and fill out a new quote form. For instance, we’ll assume you want to get rates from Allstate, Farmers and State Farm. In order to get each rate, you would have to take the time to go to each site to enter your coverage information, which can take a lot of time. For a list of companies in your area, click here.

How you compare quotes is your choice, just be certain you are entering nearly identical coverage limits and deductibles for each quote you get. If you enter different liability limits it will be impossible to determine the lowest rate for your Jeep Grand Cherokee SRT.

Advertising myths

Consumers can’t escape the ads that claim the best car insurance rates from the likes of Allstate, Geico and Progressive. All the companies make an identical promise that you’ll save big if you get a free insurance quote and switch to their company.

How does each company charge lower premium rates? It’s all in the words they use.

Companies provide the lowest rates for the type of customer that makes them money. For example, a profitable insured may be between 25 and 40, is a homeowner, and drives a vehicle with a low ISO rating. A propective insured that fits those parameters receive the lowest rate quotes and most likely will save a lot if they switch.

Potential customers who fall outside these criteria must pay a more expensive rate with the end result being the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can advertise the way they do.

Because of these techniques, it is so important to compare rate quotes every year. It’s just too difficult to predict the company that will fit your personal profile best.

Take these six policy discounts and save

Companies don’t always advertise every available discount very clearly, so the following is a list of both the well known in addition to some of the lesser obvious ways to save on insurance. If you are not receiving all the discounts available, you could be paying more than you need to.

• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
• Telematics Data Discounts – Drivers that enable their company to spy on when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
• Mature Driver Discount – If you’re over the age of 55, you may qualify for a slight reduction on a insurance quote for Grand Cherokee SRT insurance.
• Homeowners Discount – Simply owning a home may trigger a policy discount on insurance because owning a home requires personal responsibility.
• Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
• Discounts for Safe Drivers – Insureds who avoid accidents may save up to 50% more for Grand Cherokee SRT insurance than drivers with accidents.

Policy discounts save money, but some credits don’t apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

For a list of insurers that offer the discounts shown above, click here to view.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

• Why am I required to get a high-risk car insurance policy?
• Should I drop comprehensive coverage on older vehicles?
• Am I missing any policy discounts?
• Am I covered when using my vehicle for business?
• What is high-risk coverage and where do I buy it?
• Do I have any recourse if my insurance company denies a claim?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Are split liability limits better than a combined single limit?
• Does liability extend to a camper or trailer?
• Do all my vehicles need collision coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like X-ray expenses, ambulance fees, nursing services and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

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

Collision insurance covers claims like hitting a mailbox, crashing into a ditch, hitting a parking meter, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability car insurance

This protects you from damage that occurs to other people or property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like funeral expenses, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive insurance

This coverage will pay to fix 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 insurance covers claims such as a broken windshield, theft, damage from flooding and damage from getting keyed. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage on a shoestring budget

Affordable 2015 Jeep Grand Cherokee SRT insurance can be bought online and from local insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. A few companies may not provide online quoting and most of the time these smaller companies work with independent agencies.

While you’re price shopping online, never reduce coverage to reduce premium. In too many instances, an insured cut uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your objective should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

You just read a lot of ways to save on 2015 Jeep Grand Cherokee SRT insurance. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a lesser-known regional company.

More detailed car insurance information can be found by following these links:

• Electronic Stability Control FAQ (iihs.org)
• How Much are Car Insurance Rates for a Jeep Grand Cherokee in Laredo? (CarInsuranceLaredo.com)
• Bodily Injury Coverage (Liberty Mutual)
• Distracted Driving Statistics (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)