View 2016 Jeep Grand Cherokee SRT Car Insurance Quotes

Searching for better insurance rates? Consumers have many options when looking for the best price on Jeep Grand Cherokee SRT insurance. They can either waste time calling around to get rate comparisons or utilize the internet to find the lowest rates. There is a right way and a wrong way to compare insurance rates so you’re going to learn the proper way to get price quotes for your Jeep and obtain the best price possible.

You should take the time to price shop coverage quite often since rates change frequently. Even if you think you had the lowest rate on Grand Cherokee SRT insurance six months ago you may be paying too much now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best way to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or are just looking to switch companies, you can use this information to find better prices and still get good coverage. This information will let you in on how car insurance quotes work and some money-saving tips. Vehicle owners only need to know how to get comparison quotes on the web.

Why your insurance prices might be higher

Lots of things are part of the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other criteria are less apparent like your vehicle usage or your commute time.An important part of buying insurance is that you know some of the elements that aid in calculating your car insurance rates. When you understand what controls the rates you pay, this allows you to make educated decisions that can help you get lower car insurance prices.

The items below are a few of the things used by insurance companies to determine premiums.

• Occupation reflects on rates – Careers like military generals, executives and dentists tend to have higher premiums than the average policyholder because of job stress and lots of time spent at work. On the other hand, jobs such as professors, engineers and homemakers have the lowest average rates on Grand Cherokee SRT insurance.
• Do safer cars cost less to insure? – Cars with five star safety ratings get lower rates. Vehicles built for safety reduce injuries and reduced instances of injuries translates directly to fewer claims which can result in lower premiums. If the Jeep Grand Cherokee SRT scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• Lower premiums with GPS tracking and theft deterrents – Buying a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your car from being stolen.
• How much liability insurance do you need? – Your policy’s liability coverage is the protection in the event that you are found to be at fault for physical damage or personal injury to other. It will provide legal defense to defend your case. Liability insurance is pretty cheap compared to other policy coverages, so drivers should carry high limits.
• Careless driving means higher premiums – Drivers who don’t get tickets have lower premiums than bad drivers. Only having one speeding ticket may cause rates to rise forty percent or more. Drivers with severe violations like DUI or willful reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
• Age of drivers impacts premiums – Older insureds are shown to be more cautious, cause fewer claims and accidents and tend to be get fewer driving tickets.Young drivers tend to be inattentive and easily distracted when driving with friends so car insurance rates are higher.
• Avoid car insurance lapses – Driving with no insurance is a big no-no and any future policy may cost more because you let your coverage lapse. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a revoked license or a big fine.

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Insurance coverage companies offer money-saving discounts

Some insurance providers don’t always list every policy discount very well, so we researched some of the best known and the more hidden credits available to you.

• Active Service Discounts – Having a family member in the military could be rewarded with lower rates.
• Theft Prevention Discount – Cars and trucks that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Multiple Policy Discount – If you can bundle your home and auto insurance and place coverage with the same company you could get a discount of approximately 10% to 15%.
• Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance on Grand Cherokee SRT insurance with select insurance companies.
• Senior Discount – Seniors may be able to get reduced rates on Grand Cherokee SRT insurance.
• Renewal Discounts – Select insurance coverage companies give a discount for switching to them prior to the expiration date on your current policy. The savings is around 10%.
• Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount until age 25.
• Braking Control Discount – Cars that have anti-lock braking systems can reduce accidents and will save you 10% or more.

As a sidenote, most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. If you do the math and it seems like you can get free auto insurance, you’re out of luck. But any discount will help lower your policy cost.

To locate insurance companies that have a full spectrum of discounts, click here to view.

Don’t listen to company ads

Consumers can’t avoid all the ads that promise big savings by companies like Progressive, Geico, Allstate and State Farm. All the ads tend to make the same promise about how much you will save after switching your coverage to them.

How is it plausible that every one can have lower policy pricing? This is how they do it.

Many companies have specific criteria for the type of insured that is profitable for them. An example of this type of driver may need to be married and over the age of 30, has a clear driving record, and drives newer vehicles. Anybody that matches those criteria is entitled to the best price and will cut their rates if they switch.

Drivers who do not match the ideal profile will probably have to pay a higher rate which results in the customer buying from someone else. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much money. That’s why insurance companies can confidently lure you into getting a quote. Because every company is different, drivers must compare price quotes frequently. It is impossible to predict which insurance company will give you lower prices than your current company.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions may help you determine if you could use an agent’s help.

• Is my babysitter covered when using my vehicle?
• How can I get my company to pay me more for my totalled car?
• Does coverage extend to my business vehicle?
• Do I need replacement cost coverage?
• Does coverage extend to a rental car in a foreign country?
• Do I need added coverage for expensive stereo equipment?
• Should I have combined single limit or split liability limits?
• When can my company non-renew my policy?
• Do I need motorclub coverage?
• Can I get a multi-policy discount?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

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Detailed coverages of your insurance policy

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as structural damage, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage pays for 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 coverage pays for claims like rock chips in glass, fire damage, hitting a bird and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like doctor visits, dental work and rehabilitation expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Collision insurance

Collision coverage will pay to fix damage to your Grand Cherokee SRT caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, rolling your car, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Grand Cherokee SRT.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Shop around and save

We covered many ways to save on 2016 Jeep Grand Cherokee SRT insurance. The key concept to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers could even find that the most savings is with some of the smallest insurance companies.

A few companies may not offer online rate quotes and many times these smaller providers work with independent agents. Cheaper insurance coverage can be bought both online and from local insurance agents, so you need to compare both to have the best selection.

Drivers who switch companies do it for a number of reasons such as unfair underwriting practices, delays in responding to claim requests, high rates after DUI convictions or being labeled a high risk driver. Whatever your reason, switching companies can be pretty painless.

More information can be read below:

• Booster Seat Ratings (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)

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