2016 Jeep Grand Cherokee Insurance Quotes – 8 Tricks for Best Rates

Want better auto insurance rates for your Jeep Grand Cherokee? Having to pay for pricey Jeep Grand Cherokee insurance can consume your checking account and possibly require postponing other expenditures. Comparing cost estimates is an excellent way to slash your bill and have more diposable income.

Numerous car insurance companies battle for your business, and because of this it can be hard to compare insurance companies to discover the definitive best rate

It’s smart to get comparison quotes on a regular basis because prices change frequently. Just because you found the best deal on Grand Cherokee insurance a year ago there is a good chance you can find better premium rates now. Ignore everything you know about auto insurance because you’re about to learn the best methods to reduce your cost while improving coverage.

Take advantage of every car insurance discount

Properly insuring your vehicles can get expensive, but you may be missing some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you complete an application, but once in a while a discount must be asked about before being credited. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Theft Deterent System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
  • Membership in Organizations – Belonging to specific professional or occupational memberships or organizations could qualify you for a break when shopping for car insurance.
  • College Student Discount – Kids who live away from home to go to college and do not have a car could get you a discount.
  • No Claim Discounts – Drivers who don’t have accidents have much lower rates as compared to bad drivers.
  • ABS Brakes – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
  • Passive Restraints – Factory options such as air bags could see savings of 20 to 30 percent.

Remember that some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, you aren’t that lucky.

Some of the insurance companies who may offer some of the above discounts include:

Before purchasing a policy, check with every company how many discounts you can get. All car insurance discounts might not be available to policyholders in your area. If you would like to see a list of insurers who offer discounts, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Big name companies like 21st Century, Allstate and State Farm regularly use ads in print and on television. They all tend to make the same promise about saving some big amount if you switch your coverage to them. How does every auto insurance company say the same thing? It’s all in the words they use.

Insurance providers look for specific characteristics for the type of insured that will not have excessive claims. An example of a desirable insured could be over the age of 50, has no prior claims, and has a short commute. A propective insured who matches those parameters will probably get cheap premium rates and will probably cut their rates if they switch.

Potential insureds who don’t measure up to these standards will get a higher rate which results in the customer buying from someone else. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” save money. That’s why insurance companies can advertise the savings. Different companies use different criteria so drivers should compare quotes as often as possible. Because you never know which auto insurance company will be your best fit.

How to know if you need help

When it comes to buying the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

  • What happens if I owe more than my 2016 Jeep Grand Cherokee is worth?
  • Is rental equipment covered for theft or damage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my policy cover my teen driver if they drive my company car?
  • What is high-risk coverage and where do I buy it?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Auto collision coverage

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

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like prosthetic devices, hospital visits, pain medications, rehabilitation expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, a tree branch falling on your vehicle, a broken windshield and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jeep Grand Cherokee.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability auto insurance

This coverage will cover damages or injuries you inflict on other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $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.

Liability can pay for things such as emergency aid, medical services, repair costs for stationary objects, court costs and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Shop smart and save

We just covered some good ideas how you can lower your 2016 Jeep Grand Cherokee insurance car insurance rates. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage at the best cost while still protecting your assets.

Additional auto insurance information is located at the links below