Cheaper 2013 Jeep Grand Cherokee Insurance Rates in 2024

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 lot of work, but you can learn these tips and make it easy.

There are more efficient ways to buy insurance coverage and we’ll show you the best way to price shop coverage for a Jeep and get the best price possible from both online companies and local agents.

Locating more affordable insurance coverage can be fairly easy. If you have a policy now or need a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. Drivers just need to learn the proper way to compare prices on the web.

Get affordable auto insurance with discounts

Insuring your vehicles can cost a lot, but you may find discounts to reduce the price significantly. A few discounts will be applied when you get a quote, but less common discounts must be specifically requested prior to getting the savings.

• Organization Discounts – Having an affiliation with a civic or occupational organization could qualify you for a break on your bill.
• Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance from them.
• Distant Student – Children who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and can earn a small discount on your policy.
• Student Discount for Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in school.
• Low Mileage Discounts – Low mileage vehicles may allow you to get lower rates due to less chance of an accident.
• Multi-car Discount – Drivers who insure all your vehicles with the same auto insurance company can get a discount for every vehicle.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.

A quick disclaimer, most credits do not apply to the whole policy. Most cut the cost of specific coverages such as comp or med pay. Just because you may think you could get a free auto insurance policy, it doesn’t quite work that way.

A few popular companies and a summarized list of policyholder discounts are detailed below.

• Farm Bureau may have discounts that include multi-policy, driver training, youthful driver, safe driver, multi-vehicle, 55 and retired, and good student.
• State Farm has savings for anti-theft, good driver, student away at school, Steer Clear safe driver discount, Drive Safe & Save, and good student.
• Progressive includes discounts for good student, homeowner, multi-vehicle, continuous coverage, and online signing.
• Allstate offers discounts including multi-policy, defensive driver, premier plus, new car, utility vehicle, anti-theft, and early signing.
• Nationwide discounts include business or organization, easy pay, multi-policy, anti-theft, and good student.
• MetLife offers premium reductions for defensive driver, claim-free, good student, accident-free, good driver, and multi-policy.

When comparing rates, check with each company or agent how many discounts you can get. Some discounts listed above may not apply to policies in every state. To find providers that provide some of the discounts listed above, enter your zip code here.

Informed drivers can reduce insurance rates

Smart consumers have a good feel for the factors that help determine car insurance rates. If you understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to big savings.

• Younger drivers pay more – Older insureds have been proven to be more responsible, cause fewer claims and accidents , and are generally more financially stable. Teenage drivers have a tendency to be easily distracted with other occupants in the car so they pay higher car insurance rates.
• Certain vocations raise prices – Occupational choices like military generals, social workers and medical professionals have higher premium rates in part from high stress and lots of time spent away from family. On the other hand, occupations such as professors, students and performers generally pay rates lower than average for Grand Cherokee insurance.
• Consolidate policies to earn discounts – Some car insurance companies give discounts to buyers that have more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even if you qualify for this discount already, it’s always a smart idea to shop around to ensure the best deal. Drivers may still find better rates by buying from different companies.
• Marriage is a good thing – Getting married helps lower the price when buying car insurance. Having a spouse demonstrates that you tend to be more stable financially it has been statistically shown that drivers who are married are more cautious.
• Where you live can impact rates – Choosing to live in areas with lower population has definite advantages when insuring your vehicles. Less people living in that area means less chance of accidents and also fewer theft and vandalism claims. Urban drivers regularly have congested traffic and a longer drive to work. More time behind the wheel means more chance of being in an accident.
• Drive less and save – The more you drive your Jeep annually the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based upon how you use the vehicle. Autos used primarily for pleasure use can get a lower rate compared to those used for work or business. Make sure your car insurance policy correctly shows the correct usage, because it can save money. Having the wrong rating on your Grand Cherokee may be wasting your money.
• Cautious drivers pay less – How you drive impacts your car insurance rates tremendously. Attentive drivers pay lower auto insurance prices compared to bad drivers. Even a single speeding ticket or other violation can bump up the cost by as much as thirty percent. Drivers unfortunate enough to have serious citations like DUI, reckless driving or excessive speeding are required to file a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
• Extra policy coverages you don’t need – Insurance policies have a lot of additional extra coverages that you can buy when buying car insurance. Insurance for rental car reimbursement, high-cost glass coverage, and motor club memberships may be wasting your money. They may sound like good ideas when deciding what coverages you need, but if you have no use for them think about removing them and cutting costs.

Tailor your insurance coverage to you

When buying the best insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need special endorsements for business use of my vehicle?
• Is my teenager covered with friends in the car?
• Will I lose any money if I cancel my policy before it expires?
• What is PIP insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Is a blown tire covered by insurance?
• Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision coverage – Collision coverage covers damage to your Grand Cherokee resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, rolling your car, driving through your garage door, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, a tree branch falling on your vehicle and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance – Med pay and PIP coverage kick in for immediate expenses like surgery, nursing services and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Grand Cherokee.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance – Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical services, bail bonds, court costs, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Shop. Compare. Save.

Drivers change insurance companies for a variety of reasons including poor customer service, high prices, unfair underwriting practices and even extreme rates for teen drivers. No matter why you want to switch, choosing a new company is easier than you think.

When you buy auto insurance online, do not buy lower coverage limits just to save a few bucks. In many instances, an insured cut uninsured motorist or liability limits only to find out that it was a big error on their part. The goal is to purchase plenty of coverage at the best cost while still protecting your assets.

Lower-priced car insurance can be bought online in addition to many insurance agents, and you should compare rates from both to have the best rate selection. Some car insurance companies may not have price quotes online and these smaller companies prefer to sell through independent agencies.