2017 Jeep Grand Cherokee SRT Insurance Quotes – 6 Ideas for Cheaper Rates

Trying to come up with a payment for expensive car insurance can sap your bank account and force you to prioritize other expenses. Doing a rate analysis is a great way to tighten up your finances.

Many insurance companies vie for your insurance dollar, so it can be very hard to choose a insurer to get the best price available.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Finding the best rates is easy if you know what you’re doing. Although consumers can benefit by having an understanding of the methods companies use to price insurance differently and take advantage of how the system works.

Earn discounts on car insurance

Some providers don’t list every discount they offer very well, so the list below details some of the more common as well as some of the hidden credits that may apply to you.

  • Accident Waiver – Not really a discount, but some companies like Allstate and Geico allow you one accident without the usual rate increase if you are claim-free for a particular time prior to the accident.
  • Distant College Student Discount – Any of your kids who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
  • Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less on Grand Cherokee SRT coverage than less cautious drivers.
  • Telematics Devices – Drivers who elect to allow data collection to scrutinize where and when they drive remotely such as State Farm’s In-Drive could see a rate decrease if they are good drivers.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up could save 15% off the medical payments premium.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you may have a lower total premium amount.

Keep in mind that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Popular car insurance companies and a selection of discounts are detailed below.

  • State Farm has savings for Drive Safe & Save, accident-free, multiple policy, good driver, and anti-theft.
  • Nationwide offers premium reductions for Farm Bureau membership, defensive driving, good student, multi-policy, and anti-theft.
  • Geico discounts include good student, daytime running lights, military active duty, multi-policy, federal employee, and seat belt use.
  • AAA has discounts for multi-car, good student, multi-policy, good driver, AAA membership discount, and pay-in-full.
  • 21st Century may include discounts for 55 and older, early bird, student driver, anti-lock brakes, automatic seat belts, defensive driver, and theft prevention.
  • The Hartford may have discounts that include bundle, air bag, defensive driver, driver training, vehicle fuel type, anti-theft, and good student.

When comparing rates, check with each insurance company which discounts can lower your rates. A few discounts might not be available to policyholders in your area.

The best way we recommend to compare car insurance company rates is to realize auto insurance companies have advanced systems to give free rates quotes. To get started, all you need to do is take a few minutes to give details like the year, make and model of vehicles, if you have a valid license, daily mileage, and if it has an alarm system. Your information is submitted instantly to many of the top insurers and they respond with quotes instantly to find the best rate.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Is upholstery damage covered by car insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need rental car coverage?
  • Why is insurance for a teen driver so high?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage specifics

Knowing the specifics of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Jeep Grand Cherokee SRT.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision insurance

Collision insurance pays for damage to your Grand Cherokee SRT resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as medical expenses, structural damage, legal defense fees, court costs and pain and suffering. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills like dental work, prosthetic devices, doctor visits and surgery. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

In conclusion

Some insurance providers may not offer online rate quotes smaller companies sell through local independent agencies. Cheaper insurance coverage is definitely available online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money.

We covered some good ideas how to compare 2017 Jeep Grand Cherokee SRT insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest prices come from an unexpected company. They may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

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