Lower Your 2018 Jeep Grand Cherokee Insurance Cost

Searching for low-cost insurance for a Jeep Grand Cherokee can be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to buy auto insurance so we’re going to tell you the absolute fastest way to compare rates on a Jeep and get the lowest possible price from both online companies and local agents.

These discounts can reduce auto insurance rates

Car insurance can cost a lot, but you may qualify for discounts to reduce the price significantly. Most are applied at the time of quoting, but some may not be applied and must be asked for in order for you to get them.

  • Payment Discounts – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
  • Discounts for Multiple Vehicles – Having more than one vehicle on one policy can reduce the rates for all insured vehicles.
  • Switch and Save Discount – Some insurance companies provide a discount for switching companies prior to your current policy expiring. The savings is around 10%.
  • Defensive Driver Discount – Taking time to complete a course teaching driver safety skills could save 5% or more and also improve your driving technique.
  • Safety Restraint Discount – Requiring all passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Bundle and Save – When you have multiple policies and insure them with the same company you could save up to 20% off your total premium.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control are much safer to drive so companies give up to a 10% discount.
  • Onboard Data Collection – Policyholders that allow data collection to monitor where and when they drive remotely such as State Farm’s In-Drive could see a rate decrease if they show good driving skills.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will help lower your auto insurance premiums.

A list of companies and a summarized list of policyholder discounts are shown below.

  • American Family offers discounts for defensive driver, mySafetyValet, TimeAway discount, bundled insurance, early bird, and air bags.
  • Farm Bureau discounts include safe driver, multi-vehicle, youthful driver, renewal discount, driver training, and good student.
  • State Farm offers premium reductions for good student, defensive driving training, accident-free, good driver, driver’s education, and Drive Safe & Save.
  • Travelers may include discounts for hybrid/electric vehicle, save driver, multi-car, home ownership, and early quote.
  • The Hartford policyholders can earn discounts including defensive driver, driver training, good student, bundle, vehicle fuel type, anti-theft, and air bag.
  • GEICO includes discounts for federal employee, multi-vehicle, five-year accident-free, air bags, multi-policy, and membership and employees.
  • Progressive may have discounts that include multi-vehicle, good student, multi-policy, homeowner, online signing, online quote discount, and continuous coverage.

When getting a coverage quote, ask each insurance company what discounts are available to you. Some credits may not apply to policies everywhere. To view providers who offer free auto insurance quotes, click here.

Where can I get cheap auto insurance?

Performing a rate comparison can take hours if you don’t understand the easiest way. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quotes to quickly compare rates.

Many companies participate in an industry program that enables customers to submit one quote, and each company provides a quote for coverage. This eliminates the need for quote requests for every auto insurance company.

To get comparison pricing now click here to open in new window.

One minor caviat to getting quotes like this is you can’t choose the insurers you want pricing from. If you wish to select specific insurance companies to compare rates, we have assembled a list of auto insurance companies in your area. View list of insurance companies.

Compare rates however you want, just do your best to use identical coverages and limits with every price quote. If each company quotes mixed coverages it will be impossible to get a fair rate comparison.

What impacts Jeep Grand Cherokee insurance prices?

Lots of factors are taken into consideration when you get a price on insurance. Some are pretty understandable like your driving record, but other factors are not quite as obvious such as whether you are married or how financially stable you are.

  • Higher premiums for coverage lapses – Driving without insurance can get you a ticket and as a result your rates will increase for letting your insurance lapse. In addition to paying higher rates, the inability to provide proof of insurance could earn you a steep fine or even jail time. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Know your vehicle’s NHTSA crash test rating – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and fewer injuries translates into fewer and smaller insurance claims and lower rates for you.
  • Does your job cost you more? – Careers such as judgesair traffic controllers and financial analysts are shown to have higher premiums than the average policyholder in part from intense work requirements and lengthy work days. Other occupations like actors, historians and performers pay lower than average rates for Grand Cherokee coverage.
  • Driver age impacts rates – Beginning drivers are proven to be inattentive with other occupants in the car and because of this, their insurance rates are much higher. Adding a beginning driver onto a policy can cause a big jump in price. Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents , and usually have better credit.
  • Policy add-ons could be costing you – There are many optional add-on coverages that sound like a good idea at the time but may not be useful. Things like personal injury protection, accident forgiveness, and additional equipment coverage could be just wasting money. They may seem good when talking to your agent, but if you’ve never needed them in the past remove them and pocket the money.

When do I need an agent’s advice?

When buying the best insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help highlight if you would benefit from professional advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Where can I find high-risk insurance?
  • Am I covered when driving a rental car?
  • Is my 2018 Jeep Grand Cherokee covered for smoke damage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is extra glass coverage worth it?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Misconceptions in insurance coverage advertisements

Consumers constantly see and hear ads that claim the best car insurance rates by State Farm, Allstate and GEICO. They all seem to have a common claim about savings if you move your policy.

Is it even possible that every company can cost less than your current company? You have to listen carefully.

Companies have specific guidelines for the type of insured that will add to their bottom line. An example of this type of insured may be between the ages of 30 and 50, has other policies, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” will get low premium rates and have a good chance to save a lot if they switch.

People who don’t qualify for this stringent profile must pay higher rates which usually ends up with the customer not purchasing. The ad wording is “people that switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can make claims that they all have the best car insurance rates.

Because of these techniques, you absolutely need to do a price quote comparison at every renewal. It is impossible to guess which insurance coverage company will be your best fit.

Car insurance coverage breakdown

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses like EMT expenses, hospital visits, funeral costs, ambulance fees and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance

Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like bail bonds, medical services, repair bills for other people’s vehicles, structural damage and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage will pay to fix damage to your Grand Cherokee caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Grand Cherokee.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, a tree branch falling on your vehicle, theft, falling objects and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Buy online or local, you save

Drivers switch companies for a number of reasons such as unfair underwriting practices, high rates after DUI convictions, not issuing a premium refund or even denial of a claim. Regardless of your reason, finding a new company is less work than it seems.

Cost effective 2018 Jeep Grand Cherokee insurance can be found both online and from local insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies do not provide the ability to get quotes online and these regional carriers provide coverage only through independent agents.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. Too many times, drivers have reduced collision coverage and discovered at claim time that the savings was not a smart move. Your objective should be to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

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