View 2018 Jeep Grand Cherokee Insurance Rates

Consumers have lots of choices when looking for the lowest priced Jeep Grand Cherokee insurance. You can either waste hours driving around to compare prices or save time using the internet to make rate comparisons.

There are more efficient ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to compare rates for a new or used Jeep and locate the cheapest rates from both online companies and local agents.

It’s smart to price shop coverage periodically due to the fact that insurance prices trend upward over time. Despite the fact that you may have had the lowest rate for Grand Cherokee coverage a year ago you will most likely find a better premium rate today. Block out anything you think you know about insurance coverage because I’m going to teach you one of the best ways to lower your annual insurance bill.

Lower your insurance premiums

Many different elements are used in the calculation when quoting car insurance. Some factors are common sense such as your driving record, but other criteria are more obscure like your vehicle usage and annual miles driven.When buying auto insurance it’s important to understand the rating factors that go into determining the level of your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that could result in better auto insurance rates.

  • Deter car thieves – Buying a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Obey driving laws and save – Just one moving violation can increase the cost of insurance to the point where it’s not affordable. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers unfortunate enough to have serious violations like DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Lower rates come with age – More experienced drivers have been proven to be more responsible, statistically cause fewer accidents and are safer drivers.Inexperience drivers are proven to be more careless when driving with friends therefore auto insurance rates are much higher.
  • High physical damage deductibles save money – The deductibles you choose define how much you are willing to pay out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of covered claims are colliding with a stationary object, hail damage, and damage from wind. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Grand Cherokee coverage.
  • Occupation can influence rates – Jobs like doctors, architects and accountants generally have higher premium rates attributed to stressful work requirements and lots of time spent at work. Conversely, occupations like scientists, students and performers have the lowest average rates for Grand Cherokee coverage.
  • Discounts for multiple policies – The majority of insurers will award discounts to buyers who consolidate policies with them in the form of a multi-policy discount. The discount can add up to ten percent or more. Even though this discount sounds good, consumers should still comparison shop to verify if the discount is saving money.

Cheaper rates with these discounts

Companies offering auto insurance don’t always advertise all possible discounts very clearly, so the list below details some of the best known and the harder-to-find discounts you could be receiving when you buy auto insurance online.

  • Early Signing – Select insurance companies give a discount for renewing your policy prior to your current policy expiring. This can save 10% or more.
  • Federal Government Employee – Being employed by or retired from a federal job could qualify for a slight premium decrease for Grand Cherokee coverage depending on your insurance provider.
  • Anti-lock Brakes – Cars equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Driver Training Discounts – Taking a defensive driver course could cut 5% off your bill if your company offers it.
  • Drivers Ed for Students – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
  • Organization Discounts – Joining a professional or civic organization may earn a discount on your next renewal.
  • Multi-policy Discount – If you combine your auto and homeowners policies and insure them both with the same insurance company you could earn a discount of 10% to 20% off each policy.
  • Homeowners Discount – Just being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home demonstrates responsibility.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get lower premium rates for Grand Cherokee coverage.

It’s important to understand that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, you aren’t that lucky.

A list of companies and a selection of discounts can be read below.

  • Progressive offers discounts for online signing, good student, multi-vehicle, online quote discount, homeowner, continuous coverage, and multi-policy.
  • AAA policyholders can earn discounts including pay-in-full, good driver, good student, multi-policy, and AAA membership discount.
  • Farmers Insurance may include discounts for teen driver, distant student, alternative fuel, mature driver, and good student.
  • Geico may have discounts that include anti-lock brakes, federal employee, seat belt use, anti-theft, air bags, multi-policy, and good student.
  • Esurance offers discounts including online quote, multi-policy, safety device, good driver, DriveSense, online shopper, and Pac-12 alumni.
  • SAFECO may offer discounts for drive less, anti-theft, anti-lock brakes, homeowner, teen safety rewards, and bundle discounts.
  • State Farm offers premium reductions for student away at school, good student, multiple autos, Steer Clear safe driver discount, and driver’s education.

Before buying, ask each insurance company to apply every possible discount. Depending on the company, some discounts might not be offered on policies in your state.

Auto insurance can be complex

When it comes to buying the best auto insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs might need professional guidance.

  • Does medical payments coverage apply to all occupants?
  • Should I rate my 2018 Jeep Grand Cherokee as pleasure use or commute?
  • Do I really need UM/UIM coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • How do I buy GAP insurance?
  • Am I covered if my car is in a flood?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed 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

Learning about specific coverages of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses such as funeral costs, surgery, pain medications and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Jeep Grand Cherokee.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, falling objects and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical services, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a ditch, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Don’t break the bank

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. In many cases, an insured cut physical damage coverage only to find out that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

People change insurance companies for any number of reasons including being labeled a high risk driver, policy cancellation, denial of a claim and not issuing a premium refund. Regardless of your reason, finding the right insurance coverage provider is easier than you think.

You just learned some good ideas how you can get a better price on 2018 Jeep Grand Cherokee insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best car insurance rates are with some of the smallest insurance companies.

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Comments About 2018 Jeep Grand Cherokee Insurance

  1. Octavia Smith

    I’m in the suburbs of Eugene, OR. Got free quotes online for a 2018 Jeep Grand Cherokee. Ended up at about $540 savings annually. Went with 21st Century. My new agent seems to be really good.

  2. Christy Molina

    Anyone try to read their policy?

  3. Reena Hensley

    Cheapest quote for my 2018 Jeep Grand Cherokee was with Encompass. Still almost need a second mortgage.

  4. Ahmad Alvarez

    Well-written and thought out article. Lifelong resident of Portland, OR. Quoted prices online for a 2018 Jeep Grand Cherokee. Ended up at about $350 savings annually. Went with Allstate. Switched homeowners coverage too.