Compare 2015 Jeep Grand Cherokee SRT Insurance Quotes in 2024

Finding cheaper premium rates on insurance coverage is hard for beginners to online insurance quotes. Consumers have so many options that it can easily be a lot of work to locate the lowest premium rates.

Compare free auto insurance quotes

Effectively comparing auto insurance prices can take time and effort if you don’t know the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use online quotes to get the quickest rates.

Many insurance companies belong to a marketplace where insurance shoppers send in one quote, and each participating company returns a rated price based on the submitted data. This prevents consumers from doing form submissions for each company. To enter your information into the quoting system, enter your zip code here.

One minor caveat to using this type of form is you can’t choose which insurance companies to receive prices from. If you would rather choose specific insurance companies to compare prices, we put together a list of auto insurance companies in your area. Click to enter zip code.

Take whichever approach you prefer, but do your best to enter equivalent coverage limits and deductibles with every price quote. If your comparisons have higher or lower deductibles you can’t possibly get a fair rate comparison. Slightly different coverage limits could skew the results. And when comparison shopping, comparing all the rates in your area gives you a better chance of getting a lower rate than you’re paying now.

Do drivers who switch really save?

Well-known car insurance companies like State Farm, Allstate and GEICO consistently run television and radio advertisements. All the ads state the claim about how much you will save if you change your policy. But how can every company claim to save you money? You have to listen carefully.

All companies have specific guidelines for the type of customer that will generate a profit. A good example of a profitable risk profile might be described as between 30 and 50, has other policies, and has a short commute. A driver that hits that “sweet spot” receive the lowest rate quotes and as a result will probably save if they switch.

Drivers who are not a match for this ideal profile may be required to pay more expensive rates with the end result being the driver buying from a lower-cost company. The ads say “drivers that switch” not “everybody who quotes” save that kind of money. That’s why companies can make it sound like they have such great prices. Because of these techniques, you really should do a price quote comparison at every renewal. It is impossible to guess which company will have the lowest rate quotes.

Lower insurance rates with these tips

A large part of saving on insurance coverage is knowing some of the elements that aid in calculating the rates you pay for insurance coverage. If you have a feel for what influences your rates, this helps enable you to make changes that will entitle you to big savings.

• Save money with high credit – Your credit history can be an important factor in determining your rates. Insureds that have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit. Therefore, if your credit is lower than you’d like, you could be paying less to insure your 2015 Jeep Grand Cherokee SRT if you improve your credit rating.
• Reduce premiums by driving vehicles with better crash test results – Safer cars get lower rates. The safest vehicles reduce the chance of injuries and any reduction in injury severity means less money paid by your insurance company and cheaper rates on your policy. If the Jeep Grand Cherokee SRT has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Rate your vehicle for proper use – The higher the miles on your Jeep annually the higher your rate. A lot of companies rate vehicles partially by how you use the vehicle. Vehicles that have low annual miles receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage coverage is rated on the correct usage, because it can save money. Improper usage on your Grand Cherokee SRT may be costing you.
• Traffic violations drive up rates – A bad driving record impacts your car insurance rates tremendously. Attentive drivers pay lower auto insurance prices compared to bad drivers. Even a single driving citation can boost insurance rates by as much as twenty percent. People who have dangerous tickets such as DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent their license from being revoked.
• Prevent theft and save – Owning a car that has an advanced theft prevention system can save you some money. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft.
• Expect high rates for teens – Mature drivers are proven to be safer behind the wheel, are lower risk to insure and get fewer tickets. Young drivers have been known to get distracted easily behind the wheel so they pay higher insurance coverage rates.

Take policy discounts and save

Auto insurance companies do not advertise every available discount very clearly, so the following list contains both well-publicized and also the more inconspicuous credits that you can use to lower your rates.

• Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
• Switch and Save Discount – Some companies reward drivers for buying a policy prior to your current policy expiring. This discount can save up to 10%.
• Good Drivers – Insureds without accidents could pay up to 40% less on Grand Cherokee SRT insurance compared to rates paid by drivers with frequent claims.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
• Military Discounts – Having a family member in the military could mean lower prices.
• Multi-policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you may save up to 20% and get you cheaper auto insurance.

Just know that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. Just because you may think you could get a free insurance policy, it’s just not the way it works.

Companies that may include some of the above discounts may include but are not limited to:

• GEICO
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

If you need lower rates, check with every company to give you their best rates. Some discounts listed above may not be available everywhere. To locate providers that can offer you the previously mentioned discounts, enter your zip code here.

Which policy gives me the best coverage?

When buying coverage, there really is not a perfect coverage plan. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

• Why am I required to buy high-risk coverage?
• When can I cancel my policy?
• Is business property covered if stolen from my car?
• Am I covered when driving someone else’s vehicle?
• When can my company non-renew my policy?
• Can I get a multi-policy discount?
• Is rental equipment covered for theft or damage?
• Does liability extend to a camper or trailer?
• Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

The coverage is in the details

Having a good grasp of auto insurance can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability insurance

This coverage can cover damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like loss of income, repair bills for other people’s vehicles and legal defense fees. 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.

Coverage for collisions

This pays for damage to your Grand Cherokee SRT caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, hail damage, rock chips in glass and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like X-ray expenses, surgery and hospital visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Quote more, save more

The cheapest 2015 Jeep Grand Cherokee SRT insurance is definitely available online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide price quotes online and these smaller providers only sell through local independent agents.

You just learned a lot of information how to save on 2015 Jeep Grand Cherokee SRT insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest rates are with the least-expected company.

Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, not issuing a premium refund, questionable increases in premium or even delays in responding to claim requests. Whatever your reason, finding a new auto insurance company is not as hard as you think.