Cheapest 2014 Jeep Grand Cherokee Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Want cheaper car insurance rates for your Jeep Grand Cherokee? No one in their right mind likes paying for car insurance, particularly when the price is too high.
Many insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider to find the absolute best rates possible.
Compare the Market for Car Insurance
Most companies like Allstate and Progressive give prices directly from their websites. This process is quite simple as you just type in your coverage information as requested by the quote form. Upon sending the form, their rating system requests information on your driving record and credit history and gives you a price quote. This makes it a lot easier to compare rates but the time it takes to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to do this in order to get the lowest price.
A quicker way to find cheaper rates makes use of a single form to get prices from multiple companies. It saves time, reduces the work, and makes online price comparison much more efficient. Once the form is submitted, it is quoted and you are able to buy your choice of the price quotes you receive. If you find a better price you simply finish the application and buy the new coverage. It just takes a couple of minutes and you will find out if you’re overpaying now.
To quickly compare rates now, click here to open in a new tab and fill out the form. If you have coverage now, it’s recommended you replicate coverages and limits exactly as they are listed on your policy. Doing this guarantees you will get a price comparison for exact coverage.
Be sure to get all your discounts
Car insurance companies do not advertise every available discount very well, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving.
- Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may save 10% to 20% off each policy.
- Organization Discounts – Participating in a qualifying organization is a good way to get lower rates on your policy on Grand Cherokee coverage.
- Military Rewards – Being deployed with a military unit can result in better rates.
- Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
- One Accident Forgiven – A few companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
- Low Mileage Discounts – Fewer annual miles on your Jeep could qualify for better rates on cars that stay parked.
- Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
- Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
Consumers should know that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, you’re out of luck.
How do I know if I need professional advice?
When buying coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation might need an agent’s assistance.
- Does my liability insurance cover pulling a trailer or camper?
- Do I need added coverage for expensive stereo equipment?
- Will I lose any money if I cancel my policy before it expires?
- Should I file a claim if it’s only slightly more than my deductible?
- Is my vehicle covered by my employer’s policy when using it for work?
- I have good health insurance, so how much medical payments coverage do I need?
- Should I carry comprehensive and collision coverage?
Insurance coverage options for a 2014 Jeep Grand Cherokee
Understanding the coverages of insurance can help you determine the best coverages for your vehicles. The coverage terms 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.
Auto collision coverage
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims like rolling your car, colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers
This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for 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 policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things such as emergency aid, structural damage, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.
This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as hitting a bird, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for medical expenses
Med pay and PIP coverage pay for immediate expenses for pain medications, hospital visits, X-ray expenses, dental work and funeral costs. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible
The best insurance company isn’t always the cheapest
Discount 2014 Jeep Grand Cherokee insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance coverage companies may not provide online price quotes and these small insurance companies work with independent agents.
If you’re looking to purchase a 2014 Jeep Cherokee, the insurance costs won’t be prohibitive. Simply shop smart to save.
We’ve covered some good ideas how you can compare insurance prices online. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the best prices are with the smaller companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.
Much more information about insurance coverage is located below:
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has Cheap Memphis Auto Insurance Quotes for a Jeep Grand Cherokee? (MemphisCoverage.com)
- Avoiding Deer Collisions (Insurance Information Insitute)
- Think You’re a Safe Driver? (State Farm)
- Child Safety FAQ (iihs.org)
Frequently Asked Questions
What factors affect the insurance rates for a 2014 Jeep Grand Cherokee?
Several factors can influence the insurance rates for a 2014 Jeep Grand Cherokee, including the driver’s age and location, the vehicle’s model and trim level, the driver’s driving history, the level of coverage chosen, and the insurance provider’s specific criteria.
Is the 2014 Jeep Grand Cherokee considered an affordable vehicle to insure?
The affordability of insurance for a 2014 Jeep Grand Cherokee can vary depending on the factors mentioned earlier. Generally, insurance rates for the 2014 Jeep Grand Cherokee are not excessively high compared to other vehicles in its class.
What are some tips to obtain cheaper insurance rates for a 2014 Jeep Grand Cherokee?
To potentially secure cheaper insurance rates for a 2014 Jeep Grand Cherokee, you can consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record with no accidents or traffic violations.
- Opt for higher deductibles, which can lower your premiums.
- Inquire about available discounts, such as multi-policy discounts or safe driver discounts.
- Install safety features in your vehicle, like anti-theft devices or additional airbags, which may qualify you for discounts.
How can I find the cheapest insurance rates for my 2014 Jeep Grand Cherokee?
To find the cheapest insurance rates for your 2014 Jeep Grand Cherokee, it’s recommended to gather quotes from various insurance providers. You can do this by contacting different insurers directly, using online insurance comparison tools, or consulting with an independent insurance agent who can help you explore multiple options.
Are there any specific insurance providers known for offering competitive rates for a 2014 Jeep Grand Cherokee?
Insurance rates can vary significantly between providers, and what may be considered competitive for one person might not be the same for another. It’s essential to compare quotes from multiple insurance companies to determine which one offers the most affordable rates for your specific circumstances and coverage needs.
Are there any specific features of the 2014 Jeep Grand Cherokee that may impact insurance rates?
Certain features of the 2014 Jeep Grand Cherokee, such as advanced safety systems like lane departure warning, forward collision warning, or blind-spot monitoring, may potentially lower insurance rates. These features can enhance the vehicle’s safety and reduce the risk of accidents, which insurers often take into consideration when calculating premiums.
Can I change my insurance coverage to lower my rates for a 2014 Jeep Grand Cherokee?
Adjusting your insurance coverage can be a viable way to lower your rates for a 2014 Jeep Grand Cherokee. However, it’s crucial to ensure that the coverage still meets your needs and provides adequate protection. Before making any changes, it’s recommended to consult with your insurance provider or agent to understand the potential impact on coverage and premiums.
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