Compare 2015 Jeep Grand Cherokee SRT Insurance Quotes

Searching for lower insurance coverage rates for your Jeep Grand Cherokee SRT? Are you kicking yourself for buying an underperforming, overpriced insurance coverage policy? It’s quite common and there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Companies like Allstate and Progressive persitently shower you with ad campaigns and it can be hard to see through the deception and take the time to shop coverage around.

It’s smart to compare premium rates before your next renewal because insurance prices change frequently. Despite the fact that you may have had the lowest price for Grand Cherokee SRT coverage at your last renewal a different company probably has better rate quotes today. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

Decisions you make can impact your insurance prices

It’s important that you understand the rating factors that help determine your premiums. If you understand what controls the rates you pay, this enables you to make decisions that could help you find big savings.

  • Pay more out-of-pocket – Comp and collision deductibles define the amount you are required to spend out-of-pocket if the claim is covered. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of covered claims would be collision with another vehicle, fire damage, and damage from wind. The more expense the insured is willing to pay, the less your car insurance will be for Grand Cherokee SRT coverage.
  • Cautious drivers pay the best premiums – Your driving record has a huge affect on how much you pay. Careful drivers tend to pay less for car insurance as compared to careless drivers. Only having one ticket can boost insurance rates substantially. Drivers unfortunate enough to have multiple citations such as DWI, reckless driving or hit and run convictions may find they need to complete a SR-22 with the DMV in their state in order to keep their license.
  • Does auto insurance cost more for males? – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that men are worse drivers. Men and women cause fender benders at about the same rate, but the males cause more damage and cost insurance companies more money. Men also get higher numbers of serious violations like driving under the influence (DUI).
  • Rural areas have lower rates – Living in less populated areas of the country has definite advantages when buying car insurance. Drivers who live in large cities have to deal with more road rage incidents and longer commute times. Less people living in that area translates into fewer accidents and lower theft and vandalism rates.
  • Liability protection risk factors in – Your policy’s liability coverage will afford coverage if you are determined to be liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable compared to comp and collision, so drivers should carry high limits.
  • Cheaper rates after marriage – Having a spouse helps lower the price on car insurance. It may mean you are more mature than a single person and statistics prove drivers who are married are more cautious.
  • Lower annual miles equals lower premium – The higher the miles on your Jeep each year the higher the price you pay to insure it. A lot of insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks that sit idle most of the time receive lower rates than vehicles that have high annual mileage. Ask your agent if your car insurance declarations sheet shows the correct usage. Incorrect rating for your Grand Cherokee SRT may be costing you higher rates.
  • Lower rates for safer cars – Cars with high safety ratings cost less to insure. Highly rated vehicles reduce injuries and better occupant protection means lower claim amounts which can result in lower premiums. If your Jeep Grand Cherokee SRT scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

These discounts can lower your auto insurance rates

Not too many consumers would say auto insurance is affordable, but there’s a good chance there are discounts that can help lower your rates. A few discounts will automatically apply when you complete an application, but some discounts are required to be inquired about before you get the savings.

  • Buy New and Save – Insuring a vehicle that is new can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
  • Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% for Grand Cherokee SRT coverage with some auto insurance companies.
  • Discounts for Multiple Vehicles – Having primary and secondary vehicles with the same company can get a discount for every vehicle.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get lower premium rates for Grand Cherokee SRT coverage.

You can save money using discounts, but some of the credits will not apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

Some of the larger companies who may offer most of these discounts possibly include:

When getting free insurance quotes, it’s a good idea to all the companies which discounts you qualify for. Savings might not be offered on policies in your area. To see insurance companies offering auto insurance discounts, follow this link.

Don’t listen to company ads

Consumers get pounded daily by advertisements for auto insurance savings by companies like Geico, State Farm and Progressive. All the companies say the same thing that you can save if you just switch to them.

How can each company lower your prices? Just pay attention to how they say it.

Insurance providers have specific guidelines for the type of customer that makes them money. For instance, a desirable risk may be over the age of 40, has few claims, and drives less than 10,000 miles a year. Any driver that meets those criteria receives the best prices and most likely will save some money.

Consumers who are not a match for these standards may receive a higher rate which results in business not being written. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save that much. This is how companies can claim big savings.

Each company has different criteria, so you really should compare rate quotes every year. It’s not possible to predict which company will have the lowest rates.

Different people need different auto insurance coverages

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • Am I covered if I hit a deer?
  • Am I covered if hit by an uninsured driver?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when using my vehicle for business?
  • Does insurance cover damages from a DUI accident?
  • Where can I get insurance after a DUI in my state?
  • Can I get a multi-policy discount?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

What insurance coverages do you need?

Having a good grasp of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, a tree branch falling on your vehicle and a broken windshield. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses like dental work, pain medications, X-ray expenses, ambulance fees and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, funeral expenses and loss of income. How much coverage you buy is your choice, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Grand Cherokee SRT.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision – This coverage covers damage to your Grand Cherokee SRT resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, sideswiping another vehicle, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

A penny earned…

While you’re price shopping online, do not reduce coverage to reduce premium. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

More affordable insurance can be sourced online and also from your neighborhood agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance providers may not offer rates over the internet and many times these small insurance companies provide coverage only through local independent agents.

In this article, we covered a lot of information how to compare 2015 Jeep Grand Cherokee SRT insurance prices online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding the cheapest insurance. Drivers may discover the lowest priced insurance comes from a lesser-known regional company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

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