Cheap 2014 Jeep Grand Cherokee Car Insurance Quotes

Are you a victim of overpriced car insurance? You’re in good company because many drivers feel the same as you.

People have multiple insurance companies to pick from, and even though it’s nice to have a selection, it makes it harder to locate the cheapest rates.

Insurance Coverage Discounts

Auto insurance companies do not advertise all possible discounts in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using when you buy car insurance online.

  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Defensive Driver Discounts – Successfully completing a safe driver course may get you a small discount depending on where you live.
  • Air Bag Discount – Factory air bags or motorized seat belts could see savings of more than 20%.
  • E-sign Discounts – A few companies will give a small break for signing up digitally online.
  • Renewal Discounts – Some larger companies reward drivers for signing up early. You may see this discount when you get car insurance quotes online.
  • Buy New and Save – Adding a new car to your policy can save up to 30% due to better safety requirements for new vehicles.
  • Organization Discounts – Participating in a qualifying organization is a simple method to lower premiums on your bill.
  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will let one accident slide before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote on Grand Cherokee coverage as compared to drivers with claims.

It’s important to understand that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears it’s possible to get free car insurance, you’re out of luck.

To locate companies with discount insurance coverage rates, click here.

The easiest way to compare car insurance rates is to know car insurance companies will pay a fee to quote your coverage. The only thing you need to do is give them rating details including if the vehicle is leased, how much coverage you want, if your license is active, and your education level. Your rating data is instantly provided to insurance carriers in your area and they provide comparison quotes very quickly.

Informed consumers can cut insurance costs

Many things are taken into consideration when you get a price on insurance. Some factors are common sense like your driving record, but other criteria are less apparent like your continuous coverage or your financial responsibility.

The items below are just a few of the factors used by insurance companies to determine your rates.

  • Poor driving habits means higher prices – Drivers with clean records tend to pay less for car insurance than bad drivers. Getting just one citation may cause rates to rise twenty percent or more. Drivers who get multiple violations such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with their state’s licensing department in order to keep their license.
  • Older drivers save more – Older drivers are shown to be more cautious, file fewer claims , and usually have better credit.Young drivers are proven to be careless and easily distracted when driving with friends and because of this, their insurance coverage rates are much higher.
  • Drive a safer car and pay less – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce occupant injuries and reduced instances of injuries means lower claim amounts and cheaper rates on your policy.
  • Where you call home plays a part – Having an address in less populated areas is a positive aspect if you are looking for the lowest rates. People who live in big cities have traffic congestion and higher rates of accident claims. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims.
  • Job and insurance rates – Did you know your occupation can influence how much you pay for insurance coverage? Careers like military generals, architects and emergency personnel tend to have higher average rates due to job stress and long work hours. Conversely, jobs such as scientists, athletes and performers generally pay rates lower than average on Grand Cherokee coverage.
  • Alarms and GPS tracking lowers insurance coverage rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft and help bring rates down.
  • Little extras can really add up – There are a lot of extra coverages that sound like a good idea at the time on your insurance coverage policy. Insurance for personal injury protection, towing, and extra equipment coverage are examples of these. They may seem like a good idea when discussing your needs, but your needs may have changed so remove them and pocket the money.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you may require specific advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • What is the ISO rating for a 2014 Jeep Grand Cherokee?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my friends covered when driving my 2014 Jeep Grand Cherokee?
  • What are the best liability limits?
  • What is the minimum liability in my state?
  • Should I buy additional glass protection?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

But the ad said I’d save 15% in 15 minutes!

Big name companies like Allstate and Progressive seem to constantly run ads in print and on television. They all seem to make the point about savings just by switching your coverage to them. How is it plausible that every one can charge lower premium rates? It’s all in the numbers.

All companies give the best rates for the type of driver that will be a good risk. A good example of a profitable risk profile should be over age 30, has few claims, and does not commute to work. A customer that hits that “sweet spot” will probably get cheap rates and most likely will save a lot of money.

Potential customers who are not a match for the “perfect” profile will probably be forced to pay higher premium rates and the customer not purchasing. If you pay attention, the ads say “drivers that switch” not “all people who quote” save that much. That is how companies can advertise the savings. This really emphasizes why drivers should get price quotes at each policy renewal. It’s just not possible to know which insurance companies will have the best car insurance rates for your profile.

Car insurance policy coverages for a Jeep Grand Cherokee

Understanding the coverages of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages offered by car insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for ambulance fees, EMT expenses, rehabilitation expenses and dental work. They 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 will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive car insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, a tree branch falling on your vehicle, hail damage, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as repair costs for stationary objects, structural damage, bail bonds, attorney fees and funeral expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Jeep Grand Cherokee.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage

Collision insurance covers damage to your Grand Cherokee resulting from colliding 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 things such as colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Online plus local equals savings

When buying insurance coverage, you should never buy poor coverage just to save money. There are many occasions where an accident victim reduced collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

The cheapest 2014 Jeep Grand Cherokee insurance is available online and from local insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who don’t offer internet price quotes and these small insurance companies only sell coverage through independent insurance agents.

More detailed auto insurance information is available by following these links: