View 2018 Jeep Grand Cherokee Insurance Quotes

Using the web to shop for insurance coverage quotes online can seem difficult if you’re new to quote comparisons online. Don’t let that stop you because there is an easy way to compare rates.

Save a ton by taking advantage of discounts

Auto insurance is not an enjoyable expense, but you might be missing out on some discounts that you may not know about. A few discounts will be applied when you quote, but less common discounts must be requested specifically prior to receiving the credit. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

  • Data Collection Discounts – Policyholders that allow their auto insurance company to study driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
  • New Car Discount – Putting auto insurance coverage on a new car can be considerably cheaper due to better safety requirements for new model year vehicles.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off for Grand Cherokee coverage with a few auto insurance companies.

Remember that most credits do not apply to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, companies wouldn’t make money that way.

Insurance companies that may offer most of these discounts include:

When getting free insurance coverage quotes, it’s a good idea to all the companies to apply every possible discount. All car insurance discounts might not be offered in your area. If you would like to see a list of companies that offer the discounts shown above, click here.

Compare car insurance rates

To find cheap insurance coverage quotes, there are several ways to compare rate quotes from local car insurance companies. The easiest way by far to comparison shop is to get quotes online. This can be done in several different ways.

If you don’t have a lot of time, the easiest way to get quotes is an all-inclusive rate comparison click here to open form in new window. This style of form prevents you from having to do separate quotes for every prospective company. A single, simple form gets coverage cost estimates from all major companies. It’s the fastest way to compare.

A more difficult way to shop for car insurance online consists of visiting each individual company website and request a quote. For instance, we’ll assume you want comparison quotes from Farmers, Esurance and Travelers. In order to get each rate, you would have to go to each individual site and enter your information, which can be really labor intensive. To view a list of companies in your area, click here.

The least efficient method to find and compare rates is actually driving to insurance agencies in your area. The internet has reduced the need for local agents unless you want the guidance that only a licensed agent can provide. Drivers can get prices online but purchase the actual policy in an agency.

How you compare quotes is your choice, just be sure you’re using nearly identical coverages and limits on every quote. If each company quotes different limits and deductibles on each one it’s not possible to determine the lowest rate for your Jeep Grand Cherokee. Just slight variations in limits may result in large price differences. It’s important to know that getting more free quotes will enable you to find more affordable rates.

How much insurance coverage do I need?

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that may help highlight if your situation may require specific advice.

  • Am I covered when driving in Canada or Mexico?
  • Does my insurance cover my expensive audio equipment?
  • What is no-fault insurance?
  • When should my teen driver be added to my policy?
  • Is business property covered if stolen from my car?
  • Will my insurance pay for OEM parts?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Learn about insurance coverages for a Jeep Grand Cherokee

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, damage from a tornado or hurricane and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This coverage covers damage to your Grand Cherokee resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability insurance

This provides protection from damage that occurs to people or other property. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle 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 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as loss of income, legal defense fees and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills such as dental work, hospital visits, pain medications, funeral costs and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Make a quick buck

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced collision coverage and discovered at claim time that it was a big error on their part. Your strategy should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Insureds change insurance companies for a variety of reasons including delays in responding to claim requests, lack of trust in their agent, unfair underwriting practices or even not issuing a premium refund. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

We just presented a lot of techniques to lower your 2018 Jeep Grand Cherokee insurance prices. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best prices are with a lesser-known regional company.

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