How Much Does 2017 Jeep Grand Cherokee Car Insurance Cost?

Looking for the cheapest insurance coverage rates for your Jeep Grand Cherokee? Finding the cheapest insurance for a Jeep Grand Cherokee can turn out to be a painful process, but you can learn a few tricks to find lower rates.

There are both good and bad ways to find insurance coverage online and we’ll show you the best way to price shop coverage for a new or used Jeep and obtain the lowest price either online or from local insurance agents.

It’s a good habit to get comparison quotes periodically because insurance coverage prices tend to go up over time. Just because you found the best rates on Grand Cherokee coverage six months ago there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the best ways to properly buy coverages while reducing your premium.

Buying the cheapest auto insurance coverage is quite easy. If you have a policy now or need new coverage, you can learn to find better prices while maintaining coverages. Drivers only need an understanding of the most effective way to compare prices over the internet.

Don’t miss these money-saving discounts

Companies offering auto insurance don’t always advertise all disounts in an easy-to-find place, so we took the time to find both the well known and the harder-to-find credits available to lower your premiums when you buy insurance coverage online.

  • Paperwork-free – A few companies may give you up to $50 for completing your application over the internet.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
  • Service Members Pay Less – Being deployed in the military could mean lower car insurance rates.
  • Save with More Vehicles Insured – Buying insurance for primary and secondary vehicles on the same car insurance policy could earn a price break for each car.

As a sidenote, some of the credits will not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, insurance companies wouldn’t stay in business. Any amount of discount will help reduce your overall premium however.

Popular car insurance companies and their offered discounts are detailed below.

  • State Farm may offer discounts for multiple autos, driver’s education, defensive driving training, anti-theft, good student, and accident-free.
  • Nationwide may have discounts that include multi-policy, defensive driving, Farm Bureau membership, business or organization, family plan, good student, and easy pay.
  • Geico offers discounts for seat belt use, driver training, good student, air bags, daytime running lights, and multi-vehicle.
  • AAA discounts include education and occupation, anti-theft, pay-in-full, good driver, and multi-policy.
  • 21st Century may include discounts for automatic seat belts, student driver, homeowners, defensive driver, driver training, good student, and early bird.
  • The Hartford offers discounts including air bag, anti-theft, vehicle fuel type, bundle, and defensive driver.

If you need cheaper insurance coverage quotes, ask every company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your state. If you would like to view insurers with discount rates, click this link.

Get cheap insurance rates by understanding these factors

Smart consumers have a good feel for the rating factors that come into play when calculating your insurance rates. If you have some idea of what determines premiums, this helps enable you to make changes that could help you find lower rates.

  • Minor frequent insurance claims are not good – Auto insurance companies provide cheaper rates to policyholders who do not file claims often. If you are a frequent claim filer, you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Save money with higher coverage deductibles – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some examples of covered claims would be a dented fender, flood damage, and windstorm damage. The deductibles state the amount of money you are required to spend before a claim is paid by your company. The more damage repair cost you are required to pay out-of-pocket, the better rate you will receive on Grand Cherokee coverage.
  • Qualify for multi-policy discounts – Many companies provide a discount for people who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal. Consumers may save money by insuring with multiple companies.
  • Do you really need the extra policy coverages? – Policies have additional extra coverages that can waste your money if you don’t pay attention. Add-on coverages like rental car coverage, accidental death, and membership fees could be just wasting money. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.
  • Men pay higher costs – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Women and men have fender benders at about the same rate, but the males get into accidents with more damage. Men also tend to get ticketed for serious violations like reckless driving and DUI. Young males are most likely to cause an accident and thus pay the highest rates.
  • High credit scores save money – Having a bad credit rating is a big factor in determining what you pay. If your credit rating is low, you could pay less to insure your 2017 Jeep Grand Cherokee if you improve your credit rating. Drivers with excellent credit scores tend to be more responsible than those with lower credit scores.
  • Where you reside – Living in less populated areas of the country may provide you with better prices when buying insurance. Fewer drivers corresponds to lower accident rates in addition to lower liability claims City drivers have to deal with congested traffic and higher rates of accident claims. Longer commute distances statistically corresponds to a higher accident and claim rate.

Do I need special coverages?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions could help you determine if you might need an agent’s assistance.

  • Am I covered if hit by an uninsured driver?
  • Is my camper covered by my car insurance policy?
  • Am I covered when driving a rental car?
  • How much liability insurance is required?
  • Do I need added coverage for expensive stereo equipment?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance specifics

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, damage from flooding, a broken windshield, rock chips in glass and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for dental work, pain medications, X-ray expenses and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Jeep Grand Cherokee.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverage

This coverage covers damage to your Grand Cherokee caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door, colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Liability

Liability insurance can cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Affordable insurance is out there

We just covered a lot of tips how to shop for 2017 Jeep Grand Cherokee insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Consumers could even find that the best price on insurance coverage is with some of the smallest insurance companies.

People who switch companies do it for a number of reasons such as not issuing a premium refund, denial of a claim, high prices or even lack of trust in their agent. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

When getting insurance coverage quotes online, never buy less coverage just to save a little money. There are too many instances where an insured dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. Your objective should be to buy enough coverage for the lowest cost while still protecting your assets.

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