Lower Your 2014 Jeep Grand Cherokee Insurance Rates

Looking for lower car insurance rates for your Jeep Grand Cherokee? Are you a victim of overpriced car insurance? Believe me when I say there are many people just like you. Multiple auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the best rate

If you have insurance now or need new coverage, you can use these tips to cut your premiums while maintaining coverages. Buying car insurance is not rocket science. Drivers just need to learn the tricks to buy insurance online.

Compare the Market for Auto Insurance

Shopping for lower auto insurance rates can take time and effort if you aren’t aware of the most efficient way to do it. You can waste hours talking to agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Many companies belong to a marketplace where insurance shoppers only type in their quote data once, and each participating company returns a rated price for coverage. This prevents consumers from doing quotation requests for each company. To compare 2014 Jeep Grand Cherokee rates now click here to start a free quote.

One minor caviat to using this type of system is you are unable to specify the insurers to get pricing from. So if you want to choose individual companies to receive pricing from, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, make absolute certain that you use exactly the same coverages for every quote you compare. If your comparisons have different liability limits it will be impossible to find the best deal for your Jeep Grand Cherokee.

These discounts can lower your rates

Companies that sell car insurance don’t always publicize all available discounts very clearly, so here is a list some of the best known and also the lesser-known insurance savings. If you’re not getting every credit possible, you are throwing money away.

  • Homeowners Pay Less – Owning a home can save you money because owning a home demonstrates responsibility.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a discount up to 10% for Grand Cherokee coverage.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Grand Cherokee coverage than less cautious drivers.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.
  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.

Drivers should understand that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies that may offer these discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Savings might not be offered in your state.

Different people need different coverages

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

  • Am I covered if I break a side mirror?
  • Why is insurance for a teen driver so high?
  • Is my 2014 Jeep Grand Cherokee covered for flood damage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I insured when driving a different vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need higher collision deductibles?
  • Are split liability limits better than a combined single limit?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

These factors can influence what you pay for Jeep Grand Cherokee insurance

An important part of buying insurance is that you know some of the elements that go into determining insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get lower insurance prices.

  • Choose a safe vehicle and save – Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you. If your Jeep Grand Cherokee scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Add-on coverages can add up – There are a lot of extra coverages that you can buy when buying insurance. Things like personal injury protection, towing coverage and membership fees are some examples. They may seem good at first, but your needs may have changed so remove them from your policy.
  • Rates may be higher depending on your occupation – Did you know your insurance rates can be affected by your occupation? Jobs such as lawyers, social workers and financial analysts tend to have higher average rates in part from job stress and long work hours. Conversely, occupations such as pilots, engineers and homemakers receive lower rates for Grand Cherokee coverage.
  • Your car’s features help determine rates – Driving a car with anti-theft technology or alarm system can get you a discount on your insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from getting keyed, hitting a deer and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills such as funeral costs, ambulance fees and nursing services. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Grand Cherokee resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2014 Jeep Grand Cherokee.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

This coverage will cover damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like funeral expenses, medical services, repair costs for stationary objects, attorney fees and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

In conclusion

Lower-priced 2014 Jeep Grand Cherokee insurance is definitely available from both online companies in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

We’ve covered some good ideas how to shop for insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from a smaller regional carrier. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.

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