How Much Does 2017 Jeep Grand Cherokee Insurance Cost?

Trying to find the cheapest auto insurance rates? Buyers have lots of choices when searching for the lowest priced Jeep Grand Cherokee insurance. They can either waste time struggling with agents to get rate comparisons or save time using the internet to compare rates.

There is a right way and a wrong way to buy auto insurance so we’re going to tell you the best way to price shop coverage on a Jeep and locate the best price possible.

If you have insurance now or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. The purpose of this post is to familiarize you with the best way to quote coverages. Consumers just need to understand the proper methods to get comparison quotes over the internet.

Find hidden discounts to get affordable auto insurance quotes

Not many people think insurance is cheap, but you can get discounts that may help make it more affordable. Many of these discounts will be applied automatically when you get a quote, but occassionally some discounts must be asked about before being credited.

  • Cautious Driver Discount – Insureds who avoid accidents can save as much as half off their rates on Grand Cherokee coverage compared to rates paid by drivers with frequent claims.
  • Student Discount for Driver Training – Teen drivers should enroll in driver’s education in high school.
  • Passenger Safety Discount – Options like air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Distant Student – who are enrolled in higher education away from home and do not take a car to college may be insured at a cheaper rate.
  • Good Student Discount – A discount for being a good student may save as much as 25% on a car insurance quote. Most companies allow this discount up to age 25.
  • Save over 55 – Drivers over the age of 55 may qualify for a discount up to 10% on Grand Cherokee coverage.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, that’s just not realistic.

To find providers who offer free auto insurance quotes, click here.

Which car insurance is cheapest?

Finding a lower price on 2017 Jeep Grand Cherokee insurance isn’t really that difficult. All you need to do is spend a little time comparing rate quotes to find. You can get a good selection of rate quotes in a couple of different ways.

  1. The first (and easiest) way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating repetitive form submissions for every company. One simple form will get you price quotes instantly. It’s the fastest way to compare.
  2. A more difficult way to compare rate quotes consists of visiting the website for every company you want to comare and repeat the quote process. For example, let’s say you want comparison quotes from Liberty Mutual, Safeco and GEICO. In order to get each rate, you would have to take the time to go to each site and enter your information, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but ensure you’re using the exact same coverage limits and deductibles for each quote you get. If your comparisons have different liability limits it will be very difficult to make a fair rate comparison.

How do insurance companies determine Jeep Grand Cherokee insurance costs?

Multiple criteria are part of the equation when pricing auto insurance. Most are fairly basic such as your driving history, but other factors are more transparent such as whether you are married or your commute time.

  • More stress means more cost – Occupations like military personnelair traffic controllers and financial analysts tend to have higher rates than average in part from intense work situations and lots of time spent at work. Other careers such as farmers, historians and performers have lower than average premiums on Grand Cherokee coverage.
  • Insure your auto and home with one company – Many auto insurance companies apply better rates to customers that buy multiple policies in the form of a multi-policy discount. Even if you already get this discount, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates. You may still be able to save more without the discount by insuring with multiple companies.
  • Better rates for continuous auto insurance coverage – Having a lapse in insurance coverage will be a guaranteed way to pay more for auto insurance. Not only will rates go up, failure to provide proof of insurance could earn you a license revocation or jail time.
  • More annual miles equals more premium – The more you drive your Jeep in a year’s time the higher your rates will be. A lot of companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates than vehicles that have high annual mileage. It’s a smart idea to ensure your auto insurance policy shows annual mileage. An incorrectly rated Grand Cherokee is just wasting money.
  • Where you live factors in – Choosing to live in less populated areas of the country is a good thing when insuring your vehicles. Lower population means reduced accidents. Residents of big cities tend to have more auto accidents and longer commutes to work. Higher commute times statistically corresponds to a higher accident and claim rate.
  • The higher your credit history the lower your prices – Your credit rating factor in calculating your premium rate. So if your credit leaves room for improvement, you could be paying less to insure your 2017 Jeep Grand Cherokee if you clean up your credit. Consumers who have high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.

For example, these questions can aid in determining if you may require specific advice.

  • Exactly who is provided coverage by my policy?
  • Do I pay less for low miles?
  • Does medical payments coverage apply to all occupants?
  • Should I put collision coverage on all my vehicles?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverages explained

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverage – Collision insurance will pay to fix damage to your Grand Cherokee from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses like rehabilitation expenses, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Jeep Grand Cherokee.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability car insurance – This coverage can cover damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like legal defense fees, court costs and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, rock chips in glass, damage from getting keyed and a broken windshield. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Quote more. Save more.

Budget-conscious 2017 Jeep Grand Cherokee insurance can be sourced on the web as well as from independent agents, so you need to quote car insurance with both to have the best rate selection. There are still a few companies who may not have rates over the internet and these smaller companies prefer to sell through independent agents.

Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, not issuing a premium refund, high prices and even policy non-renewal. It doesn’t matter why you want to switch finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability limits or collision coverage and discovered at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

More tips and info about insurance coverage can be found in the articles below:

Comments About 2017 Jeep Grand Cherokee Insurance

  1. Mikki Evans

    Looking for cheaper 2017 Jeep Grand Cherokee insurance in Warren, MI. Help!

  2. Terrence Carney

    Cheaper not always better. Checking in from Cranston, RI. Got free quotes online for a 2017 Jeep Grand Cherokee. Ended up at about $100 savings annually. Went with Progressive.

  3. Charisse Reynolds

    Are State Farm rates cheap in New York?

  4. Madelene Webster

    Lifelong resident of Milwaukee, WI. Quoted a bunch of companies. Saved darn near $60 a month. Allstate was the best choice for me.

  5. Cleta Haynes

    Great site. I’m in the west part of Baltimore, Maryland. I got free quotes with State Farm, Hanover, and Erie for my Jeep and I think I saved about $40 each month. Left The General to switch. :)

  6. Taren Hunter

    From north side of Des Moines, IA. Received quotes with 21st Century, Amica, and Esurance for my Grand Cherokee and saved $282 a year. I’m a pretty good driver though. I recommend comparing lots of rates.

  7. Eleanor Drake

    Just a quick comment on my experience. From northwest of Spokane, Washington. Got car insurance rates from AAA, Eastwood, and Nationwide for my Jeep and I’m now saving $29 a month. Highly recommended.

  8. Luella Ford

    I live in a small town just outside of Parkersburg, WV. Quoted with 21st Century, Amica, Farmers, and Liberty Mutual for my Jeep and am saving around $380 a year. Got better coverage too.

  9. Tamika Woodard

    All insurance companies are crooks.

  10. Patricia Sherman

    Live in Great Falls, MT. Quoted a bunch of companies. Saved right around $60 a month. Progressive was the most affordable for me. Hardly afford to drive anymore.

  11. Ligia Horne

    I’m in the north part of Hilo, HI, and 21st Century rates were best. Ask about discounts.

  12. Fredda Hutchinson

    Checking in from Manchester, New Hampshire. I don’t recall every quote but I ended up saving about $40 each month.

  13. Jayne Albert

    Located in Rio Rancho, NM. Quoted with State Farm, Auto-Owners, and Farmers for my Grand Cherokee and I’m now saving $25 a month. You can get a rate quote online.

  14. Nickolas Melton

    Liked the article. I’m just south of Fort Wayne, IN. Can’t remember who all I quoted but I ended up saving about $70 each month. I just quoted rates online.

  15. Nigel George

    I live on the north side of Pittsburgh, PA. I quoted with GEICO, Liberty Mutual, and Erie for my 2017 Jeep Grand Cherokee and I think I am saving around $40 each month. Was with Farmers.

  16. Katlyn Wilcox

    I’m in the south part of Atlanta, GA. Got car insurance quotes with Safeco, Encompass, Allstate, and American Family for my Grand Cherokee and I think I saved about $20 each month. Insured with 21st Century before. I have several vehicles insured with them. Did it all online.

  17. Collin Martin

    Great site. I live in a small town just outside of Kansas City, KS. I got free prices from Progressive, American Family, and some I forget for my Grand Cherokee and I think I saved about $70 each month.