2013 Jeep Grand Cherokee Insurance Quotes

Finding inexpensive insurance probably sounds like a formidable task if you’re new to online quoting. Don’t let that bother you because there is an easy way to compare rates.

If you currently have car insurance, you should be able to lower your premiums substantially using these tips. This information will help you learn the most effective way to quote insurance and some tricks to saving. Although drivers need to have an understanding of the way insurance companies determine prices because it can help you find the best coverage.

Discounts for cheap insurance coverage rates

Some providers don’t always advertise all their discounts in a way that’s easy to find, so we took the time to find a few of the more well known as well as the least known credits that may apply to you.

  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
  • Good Student – Being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Student in College – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction for Grand Cherokee coverage with certain companies.

A quick disclaimer, most credits do not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, you’re out of luck. Any qualifying discounts will reduce your overall bill.

A list of insurance coverage companies and some of the premium reductions they offer include:

  • Geico offers discounts for anti-lock brakes, anti-theft, seat belt use, air bags, and multi-policy.
  • Travelers may include discounts for home ownership, continuous insurance, save driver, student away at school, and hybrid/electric vehicle.
  • Nationwide offers discounts including anti-theft, defensive driving, business or organization, easy pay, accident-free, and Farm Bureau membership.
  • Farmers Insurance offers premium reductions for switch companies, homeowner, bundle discounts, business and professional, and youthful driver.
  • Esurance may offer discounts for homeowner, multi-policy, Switch & Save, safety device, defensive driver, emergency road assistance, and anti-theft.
  • State Farm has savings for good driver, safe vehicle, multiple autos, multiple policy, and anti-theft.
  • Progressive discounts include online signing, continuous coverage, good student, multi-vehicle, homeowner, multi-policy, and online quote discount.
  • Mercury Insurance policyholders can earn discounts including accident-free, multi-policy, annual mileage, professional/association, anti-theft, good student, and good driver.

When getting free insurance quotes, it’s a good idea to every prospective company which discounts you may be entitled to. A few discounts may not apply to policies in your area.

Compare insurance coverage rates

Most of the larger companies provide coverage prices from their websites. Comparing prices online can be done by anyone as you simply type in the amount of coverage you want into the form. Upon sending the form, the company’s rating system obtains credit information and your driving record and quotes a price.

Online price quotes makes it simple to compare prices but the process of having to visit many different websites and type in your information is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes in order to find the lowest possible prices on insurance coverage.

The easiest way to lower your insurance coverage bill uses one simple form that gets price quotes from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much easier. After sending your information, it is rated and you can choose any of the resulting price quotes.

If you find a better price you can simply submit the application and purchase coverage. This process takes just a few minutes to complete and could lower your rates considerably.

In order to find out how much you can save on insurance coverage, click here to open in new window and input your coverage information. To compare your current rates, we recommend you enter the coverages just like they are on your policy. This way, you will be getting a rate comparison based on similar coverages.

Smart buyers can save money

It’s important that you understand some of the elements that help determine the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in much lower annual insurance costs. Lots of things are used when quoting car insurance. A few of the factors are predictable such as traffic violations, but other criteria are more transparent such as whether you are married or your commute time.

The following are some of the factors used by insurance companies to determine premiums.

  • Lower rates come with age – Teen drivers are known to be easily distracted when at the wheel of a vehicle therefore insurance coverage rates are much higher. Older insureds are viewed as being more responsible, file fewer claims and tend to be get fewer driving tickets.
  • Bundle policies and save – Many insurance companies will give lower prices to people that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount drivers will still want to comparison shop to help ensure you have the lowest rates.
  • Extra coverages can add up – Insurance companies have many extra coverages you can purchase when buying insurance coverage. Coverage for things like roadside assistance, accident forgiveness, and term life insurance are probably not needed. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Rate your vehicle for proper use – The higher the mileage driven each year the higher your rates will be. Many insurance companies apply a rate based upon how you use the vehicle. Cars used primarily for pleasure use get more affordable rates than those used for commuting. An incorrectly rated Grand Cherokee may be wasting your money. Verify your insurance coverage coverage properly reflects annual mileage, because it can save money.
  • Do you work long hours in a demanding occupation? – Jobs such as doctors, social workers and financial analysts tend to pay higher rates than average due to stressful work requirements and lots of time spent at work. On the flip side, jobs such as actors, engineers and the unemployed pay lower than average rates for Grand Cherokee coverage.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your situation could use an agent’s help.

  • Who is covered by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage when using my vehicle for my home business?
  • When can my company non-renew my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Does liability extend to a camper or trailer?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Ads can be misleading

Companies like Allstate, Geico and Progressive constantly bombard you with ads in print and on television. They all seem to try to convey promises that you can save if you get a free insurance quote and switch to them. It sounds good, but how can they all make almost identical claims? Just pay attention to how they say it.

Companies look for specific characteristics for the type of driver that earns them the highest profit. One example of a profitable insured might be over the age of 35, owns their home, and has a high credit rating. A customer getting a price quote that matches those criteria will probably get the lowest auto insurance rates and will probably save when switching.

Insureds who are not a match for this stringent profile will probably be forced to pay a higher premium and ends up with the customer buying from someone else. The wording the ads use say “people who switch” not “everyone who quotes” save that much when switching. That’s why insurance companies can confidently make it sound like they have such great premium rates.

Different companies use different criteria so drivers should compare free insurance quotes often. It is impossible to guess the company that will have better auto insurance rates than you’re paying now.

What insurance coverages do you need?

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for EMT expenses, dental work and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for liability

Liability coverage can cover damage or injury you incur to other people or property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair costs for stationary objects, emergency aid, bail bonds and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Jeep Grand Cherokee.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a bird, fire damage and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This covers damage to your Grand Cherokee caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Power to the consumer

Insureds switch companies for a number of reasons such as high prices, an unsatisfactory settlement offer, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason, switching insurance coverage companies can be easy and end up saving you some money.

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. In many cases, someone sacrificed collision coverage and discovered at claim time that it was a big error on their part. The proper strategy is to buy the best coverage you can find at the best cost while still protecting your assets.

Low-cost 2013 Jeep Grand Cherokee insurance is available both online in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. A few companies do not offer online price quotes and usually these smaller providers sell through local independent agents.

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