2016 Jeep Grand Cherokee Car Insurance Quotes – 8 Discounts for Best Rates

Searching for the cheapest insurance for your Jeep Grand Cherokee could be difficult, but you can learn the following methods to find lower rates.

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

If you have a current insurance coverage policy or need a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. Locating affordable insurance coverage coverage can be fairly easy. Vehicle owners only need to know how to compare price quotes online.

How to buy auto insurance online

Performing a rate comparison can take time and effort if you don’t know the fastest way to get free quotes. You can spend countless hours talking to insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many popular insurance companies participate in an industry program that enables customers to complete one form, and each participating company returns a competitive quote determined by their information. This prevents consumers from doing quote requests to every company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to using this type of form is that you can’t choose the providers you will receive quotes from. If you prefer to choose from a list of companies to compare, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make sure you compare apples-to-apples coverage data with every price quote. If the quotes have differing limits it will be nearly impossible to determine which company has the best rates.

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Drivers who switch save $493 a year? Really?

Drivers can’t ignore all the ads for auto insurance savings from companies such as Progressive, Geico, Allstate and State Farm. All the ads state the claim about savings if you switch your policy.

How do they all sell you cheaper insurance coverage? Here is how they do it.

Companies quote their cheapest rates for the type of driver that will not have excessive claims. An example of a desirable risk might have to be over the age of 40, owns a home, and has great credit. A driver that meets those criteria receive the lowest rate quotes as well as save quite a bit of money when switching.

Potential customers who don’t qualify for the “perfect” profile will be charged a higher rate which translates to the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” will save that much if they switch. That is how companies can truthfully make those statements.

Because each company has a different risk profile, it’s extremely important to get as many free auto insurance quotes as possible. It is impossible to predict which auto insurance company will have the best premium rates for your profile.

More discounts mean cheap premiums

Companies don’t always list every possible discount in an easy-to-find place, so here is a list both the well known and also the more inconspicuous discounts that you may qualify for.

• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
• Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. The discount lasts until age 25.
• Active Service Discounts – Having an actively deployed family member may lower your prices slightly.
• Homeowners Pay Less – Just being a homeowner can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
• Data Collection Discounts – Policyholders that allow companies to look at driving patterns through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they have good driving habits.
• Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
• No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote as opposed to policyholders that have many claims.
• Student Discount for Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like you could get a free auto insurance policy, you aren’t that lucky.

Larger auto insurance companies and the discounts they provide are included below.

• Progressive discounts include good student, online quote discount, continuous coverage, online signing, and multi-vehicle.
• Geico offers premium reductions for multi-policy, defensive driver, multi-vehicle, anti-lock brakes, emergency military deployment, seat belt use, and good student.
• State Farm policyholders can earn discounts including multiple policy, multiple autos, driver’s education, student away at school, and Steer Clear safe driver discount.
• Esurance includes discounts for emergency road assistance, renters, defensive driver, good driver, multi-car, and safety device.
• The Hartford may offer discounts for driver training, bundle, vehicle fuel type, anti-theft, and air bag.

If you are trying to find low cost auto insurance quotes, ask each company which discounts can lower your rates. All car insurance discounts might not apply in your area. To view companies that offer some of these discounts, click this link.

It’s not one size fits all

When choosing the best insurance coverage coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions might help in determining whether or not you may require specific advice.

• How much underlying liability do I need for an umbrella policy?
• How high should my uninsured/underinsured coverage be in my state?
• What are the best liability limits?
• If my pet gets injured in an accident are they covered?
• Is extra glass coverage worth it?
• When can my company non-renew my policy?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

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Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability – Liability insurance can cover damage that occurs to a person or their property by causing 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. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like bail bonds, funeral expenses and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2016 Jeep Grand Cherokee.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for rehabilitation expenses, dental work, ambulance fees and chiropractic care. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, hitting a bird and vandalism. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This coverage covers 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 and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb, rolling your car and hitting a mailbox. 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 bump up the deductible in order to get cheaper collision rates.

At the end of the day…

Cheaper insurance can be bought both online in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money. A few companies do not provide online quoting and usually these small insurance companies only sell coverage through local independent agencies.

We just showed you some good ideas how to get a better price on 2016 Jeep Grand Cherokee insurance. The key thing to remember is the more companies you get car insurance rates for, the better likelihood of getting affordable auto insurance. You may even discover the lowest rates are with a lesser-known regional company.

Consumers switch companies for any number of reasons including high prices, being labeled a high risk driver, questionable increases in premium and lack of trust in their agent. Whatever your reason, choosing a new company is not as hard as you think.

More tips and info about insurance is available in these articles:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Who Has Cheap Cleveland Car Insurance for a Jeep Grand Cherokee? (ClevelandCoverage.com)
• Who Has Affordable Auto Insurance Quotes for a Jeep Grand Cherokee in Dallas? (DallasCoverage.com)
• Auto Insurance Basics (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)

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