Save on 2016 Jeep Grand Cherokee Insurance Cost

Looking for the cheapest insurance coverage rates? Shoppers have lots of choices when shopping for the best price on Jeep Grand Cherokee insurance. They can either spend hours calling around to compare prices or save time using the internet to make rate comparisons.

There is a better way to shop for insurance coverage and we’ll show you the proper way to price shop coverage for a new or used Jeep and locate the lowest price from local insurance agents and online providers.

Consumers should take time to compare premium rates before your next renewal because insurance prices trend upward over time. Despite the fact that you may have had the lowest price for Grand Cherokee insurance a year ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance coverage because you’re going to learn the things you must know in order to lower your annual insurance bill.

Buy auto insurance online

There are a lot of ways to compare auto insurance prices but there is one way that is easier and takes less work. You can waste a lot of time discussing policy coverages with agents in your area, or you could use online quotes for quick rates.

Many popular insurance companies participate in a marketplace where insurance shoppers enter their policy data once, and every company can provide price quotes. This prevents consumers from doing repetitive form submissions for every auto insurance company. To submit your quote information now, click here to start a free quote.

The single downside to pricing coverage this way is that consumers can’t choose which insurance companies you will receive quotes from. So if you prefer to pick specific insurance companies for rate comparison, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

However you get your quotes, make darn sure you compare exactly the same coverage limits on every quote. If the quotes have mixed coverages it will be nearly impossible to make an equal comparison.

Be skeptical of car insurance ads

Drivers can’t avoid all the ads that claim the lowest premium rates by State Farm, Allstate and GEICO. All the ads make an identical promise that drivers can save some big amount if you get a free insurance quote and switch your coverage.

Is it even possible that every company can lower your premium rates?

Different companies have a preferred profile for the type of driver that will most likely be profitable. For example, a desirable risk should be a married female, has no tickets, and does not commute to work. Any new insured who matches those parameters will probably get cheap auto insurance rates and will also cut their rates if they switch.

Insureds who do not meet the “perfect” profile will get higher premium rates with the end result being business not being written. If you listen closely, the ads state “people that switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can make claims like that.

This really illustrates why you need to get insurance quotes as often as possible. It is just not possible to predict which insurance companies will give you the biggest savings.

Insurance coverage discounts are available to slash your rates

Insurance coverage is easily one of your largest bills, but you might be missing out on some discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be specifically requested prior to getting the savings.

  • Low Mileage Discounts – Maintaining low annual mileage could earn discounted premium rates on garaged vehicles.
  • Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more off the medical payments premium.
  • Discounts for Government Workers – Employees or retirees of the government can save as much as 8% for Grand Cherokee insurance with some insurance coverage companies.
  • Senior Discount – Mature drivers are able to get a small decrease in premiums for Grand Cherokee insurance.

As is typical with insurance, most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think you could get a free insurance coverage policy, you’re out of luck. Any qualifying discounts will positively reduce the cost of coverage.

Some of the larger companies that may offer quotes with many of the previously listed discounts include:

When quoting, ask every prospective company how many discounts you can get. A few discounts may not apply to policyholders in every state.

Everyone needs different auto insurance coverages

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your situation may require specific advice.

  • Does coverage extend to my business vehicle?
  • Can I still get insurance after a DUI?
  • Do I need replacement cost coverage?
  • What is an SR-22 filing?
  • Should I waive the damage coverage when renting a car?
  • Exactly who is provided coverage by my policy?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like nursing services, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Jeep Grand Cherokee.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, damage from flooding, rock chips in glass and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This coverage pays for damage to your Grand Cherokee caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, hitting a mailbox, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, court costs, pain and suffering and emergency aid. How much coverage you buy is your choice, but buy as large an amount as possible.

Online plus local equals savings

Consumers change insurance companies for many reasons like policy non-renewal, extreme rates for teen drivers, not issuing a premium refund and poor customer service. It doesn’t matter why you want to switch finding the right car insurance provider can be easy and end up saving you some money.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability limits or collision coverage only to discover later they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at the best cost while not skimping on critical coverages.

We covered many ways to reduce 2016 Jeep Grand Cherokee insurance auto insurance rates online. The most important thing to understand is the more times you quote, the higher your chance of finding the cheapest insurance. You may even discover the lowest priced car insurance comes from an unexpected company.

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Comments About 2016 Jeep Grand Cherokee Insurance

  1. Zack Figueroa

    Hope my rates come down. I’m in Kansas City, Kansas. Quoted rates from Allstate, Farmers, and Liberty Mutual for my Grand Cherokee and saved just over $530 a year. Left Mercury to switch. Even increased coverage a bit.

  2. Anh Hawkins

    Corporate greed I’m telling you. From northwest of Tucson, AZ. Got car insurance quotes from Auto-Owners, Mercury, and some smaller one I can’t remember the name of for my Jeep and saved $467 a year. I even had a DUI years ago.

  3. Eura Harris

    I got quite a few price quotes for a 2016 Jeep Grand Cherokee in Evansville, Indiana. Ended up at darn near $220 every six months with Amica.

  4. Lester Cain

    Live in the eastern part of Baton Rouge, LA. Got quotes with Hanover, Amica, Sentry, and a couple others for my Jeep and am saving around $480 a year. Highly recommended.

  5. Kam Mcclain

    If you have a good history and live around Bangor, ME, check out State Farm. You might get cheaper rates.

  6. Jacque Graves

    I live on the west side of Charleston, WV. Don’t remember every company but I ended up saving about $20 each month. Left Western Auto Insurance to switch. Good multi-policy discounts. Get lots of quotes to find the best rate.

  7. Faviola Wilder

    Hope my car insurance gets cheaper. I live south of Jacksonville, FL. Not sure of all the companies but I ended up saving about $40 each month.

  8. Irena Evans

    I found pretty cheap rate quotes for a 2016 Jeep Grand Cherokee in Atlanta, Georgia. Ended up at darn near $530 every six months with AAA. I get a discount for insuring multiple vehicles.

  9. Linsey Jacobson

    Are Allstate or Allstate rates cheaper in Kentucky?

  10. Ruby Gentry

    Anyone like their agent?

  11. Chad Lara

    Found cheapest coverage with Eastwood for my Grand Cherokee and cut my rates about $360 a year. Hopefully won’t need it.

  12. Michael Hayden

    It all costs too much. I’m from New Orleans, LA. I compared lots of rates. Saved right around $40 a month. Progressive was the best choice for me. Just go online and compare their rates.

  13. Christina Patel

    What is UM/UIM coverage?

  14. Hanna Lynch

    I found affordable 2016 Jeep Grand Cherokee insurance from GEICO in Billings, MT.

  15. Maragret Dixon

    I live south of Albuquerque, NM. Received quotes with Progressive, Eastwood, and GMAC for my Grand Cherokee and saved around $120 a year.

  16. Annemarie Cantu

    I’ve bought from Allstate forever. Cheapest rates in Augusta, Georgia.

  17. Autumn Velez

    Are Allstate or Allstate rates cheaper in Arizona?

  18. Donovan Bass

    I got quite a few price quotes for a 2016 Jeep Grand Cherokee in Kansas City, MO. Ended up at roughly $180 every six months with Amica.

  19. Lyman Nixon

    Found cheapest coverage with Travelers for my 2016 Jeep Grand Cherokee and cut my rates about $420 a year. Was with Encompass. Hardly afford to drive anymore.

  20. Sanda Branch

    Mine is so expensive. From east side of Shreveport, LA. Compared rates from a lot of places. Saved darn near $40 a month. GEICO was the cheapest option for me. Teenage drivers are expensive! Online quotes are the way to go.

  21. Myesha Riddle

    If you don’t have tickets and are close to Worcester, MA, check out Progressive. They seem to be cheaper. Insured with Encompass before. I have kids on my policy, too.