2012 Jeep Grand Cherokee Insurance Rates – 9 Tricks for Best Quotes

Searching for better car insurance rates for your Jeep Grand Cherokee? Expensive car insurance can dwindle your checking account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Lots of insurers contend for your insurance dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute best price available.

If you have insurance now or are just looking to switch companies, you will benefit by learning to find the best rates and still get good coverage. Choosing the best insurance company for you is not rocket science. Consumers just need to know the best way to compare company rates online.

The most recommended method to compare car insurance rates is to know the fact most larger insurance companies will pay a fee to compare their rates. The only thing you need to do is provide details including your credit rating estimate, what your job is, how much you drive, and if you went to college. That information is instantly provided to multiple different insurance companies and you receive quotes immediately.

To find lower rates now, click here and enter the information requested.

Discounts are great for lower rates

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Defensive Driver – Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Memberships – Belonging to a qualifying organization is a good way to get lower rates on insurance coverage on Grand Cherokee insurance.
  • Drivers Ed for Students – Have your child enroll in driver’s education if offered at their school.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Grand Cherokee insurance than drivers with accidents.
  • Save with a New Car – Insuring a new car is cheaper since new cars are generally safer.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn at least 10% off all policies.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Car insurance companies who might offer these discounts include:

Before buying, ask each company how you can save money. All car insurance discounts may not be available everywhere.

You may need specialized coverage

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions can help discover if your situation might need an agent’s assistance.

  • What is the difference between comprehensive and collision coverage?
  • Do I pay less for low miles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is pleasure use cheaper than using my 2012 Jeep Grand Cherokee to commute?
  • Which is better, split liability limits or combined limits?
  • Should I sign the liability waiver when renting a car?
  • What are the financial responsibility laws in my state?
  • If my 2012 Jeep Grand Cherokee is totaled, can I afford another vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, vandalism, hitting a bird, damage from getting keyed and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like dental work, prosthetic devices, pain medications and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto collision coverage

This will pay to fix damage to your Grand Cherokee resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Coverage for liability

This will cover damage that occurs to a person or their property that is your fault. 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 liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Keep this in mind

We just presented quite a bit of information on how to get a better price on 2012 Jeep Grand Cherokee insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from a small local company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

Cheaper insurance can be sourced on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

To learn more, link through to the resources below: