View 2017 Jeep Grand Cherokee Insurance Cost in 2024

Searching for the cheapest auto insurance rates for your Jeep Grand Cherokee? Finding more affordable rates on auto insurance is quite difficult for drivers not familiar with buying insurance online. You have so many options that it can quickly become more work than you anticipated to find cheaper auto insurance rates.

You should take the time to compare premium rates at least once a year because prices are rarely the same from one policy term to another. Even if you got the best price on Grand Cherokee coverage a year ago you can probably find a better rate now. You can search a lot of auto insurance on the internet, but by reading this article, you’re going to learn some solid techniques on how to reduce your auto insurance bill.

If you have car insurance now, you should be able to reduce your rates substantially using these tips. The purpose of this post is to help educate you on the best way to quote coverages. But car owners should learn the way companies market on the web.

Buy insurance coverage online

There are multiple methods to compare insurance coverage prices but one way is more efficient than others. You could waste time talking about coverages with agents in your area, or you could use online quoting to accomplish the same thing much quicker.

All the larger companies take part in a program where insurance shoppers submit their information once, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do quote requests to each company. To compare rates using this form now enter your zip code here.

The one downside to using this type of system is you can’t choose which insurance companies you want pricing from. If you would rather choose specific insurance companies to request quotes from, we put together a list of insurance coverage companies in your area. Click to enter zip code.

Take whichever approach you prefer, but compare exactly the same coverages for each quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to determine the best price for your Jeep Grand Cherokee. Just slight variations in limits may result in a large different in cost. Just keep in mind that comparing a large number of companies helps locate a better price.

Insurance coverage ads bend the truth

Insurance coverage companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all advertise the message of big savings if you get a free auto insurance quote and switch your insurance coverage policy to them. That’s great but how can every company offer you a better deal? This is how they do it.

Insurance companies give the best rates for the type of driver that earns them the most money. A good example of a profitable customer may be a female over age 40, has few claims, and has excellent credit. A customer getting a price quote that fits those parameters receives the best car insurance rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who are not a match for this ideal profile will have to pay higher premium rates which usually ends up with the customer not buying. The ads say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently state the savings.

This illustrates why it’s extremely important to compare as many free auto insurance quotes as you can. It’s impossible to know which insurance coverage company will have the best premium rates at this point in time.

Save a ton with discounts

Not many people think insurance is cheap, but you might be missing out on some discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but a few need to be specifically requested before they will apply.

• Accident Forgiveness Coverage – but some companies like Liberty Mutual and GEICO will let one accident slide before raising your premiums if you are claim-free prior to the accident.
• Professional Memberships – Having an affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
• Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
• No Accidents – Drivers who don’t have accidents pay less in comparison to drivers with a long claim history.
• Safety Course Discount – Taking time to complete a class that teaches driver safety techniques could earn you a small percentage discount and easily pay for the cost of the class.
• Save over 55 – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Grand Cherokee coverage.
• Student in College – living away from home attending college and do not have a car could qualify for this discount.

Keep in mind that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you aren’t that lucky.

Popular auto insurance companies and a selection of discounts are included below.

• Progressive offers discounts including continuous coverage, online signing, good student, multi-policy, multi-vehicle, and homeowner.
• MetLife has savings for defensive driver, multi-policy, good driver, accident-free, claim-free, good student
• Mercury Insurance policyholders can earn discounts including good student, multi-car, low natural disaster claims, annual mileage, anti-theft, and location of vehicle.
• Nationwide includes discounts for anti-theft, defensive driving, accident-free, family plan, Farm Bureau membership, good student, and business or organization.
• GEICO may include discounts for five-year accident-free, emergency military deployment, anti-lock brakes, anti-theft, seat belt use, multi-vehicle, and air bags.
• AAA offers discounts for education and occupation, multi-car, AAA membership discount, pay-in-full, and anti-theft.

When quoting, ask all the companies which discounts you qualify for. All car insurance discounts might not be available to policyholders in your area.

What is the best insurance coverage coverage?

When buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions might point out if you would benefit from professional advice.

• Is upholstery damage covered by car insurance?
• Am I covered if my car is in a flood?
• What is PIP insurance?
• At what point should I drop full coverage?
• Where can I get insurance after a DUI in my state?
• Am I covered when using my vehicle for business?
• Am I insured when driving a different vehicle?
• Does my insurance cover a custom paint job?
• Do I really need UM/UIM coverage?
• Which is better, split liability limits or combined limits?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete your zip code.

Car insurance coverage options for a Jeep Grand Cherokee

Understanding the coverages of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, hail damage, hitting a deer and rock chips in glass. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM 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 damage to your Jeep Grand Cherokee.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Coverage for liability

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like legal defense fees, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like dental work, prosthetic devices, chiropractic care, nursing services and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Shop smart and save

Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, being labeled a high risk driver and denial of a claim. It doesn’t matter what your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

Some insurance companies may not provide price quotes online and many times these smaller providers prefer to sell through independent agents. Budget-friendly auto insurance can be purchased online and from local insurance agents, and you should compare price quotes from both to have the best selection.

When getting auto insurance quotes online, it’s a bad idea to buy poor coverage just to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.