Jeep Jeep Cherokee Insurance Rates
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UPDATED: Dec 3, 2021
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Searching for cheaper car insurance rates for your Jeep Grand Cherokee? I doubt anyone anticipates paying for car insurance, especially when they could find better rates elsewhere.
Many insurers vie for your business, so it can be very hard to choose a company and get the best coverage at the lowest price
Free car insurance quotes
There are multiple methods to compare car insurance prices but one way is more efficient than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get pricing more quickly.
Many of the larger companies enroll in a system that enables customers to send in one quote, and every company can give them a price based on that information. This system prevents you from having to do repetitive form submissions to each individual car insurance company.
To find out what other companies charge click here to open in new window.
The single downside to comparing rates this way is that you can’t choose which insurance companies to get pricing from. So if you prefer to choose specific providers to receive pricing from, we have a listing of the cheapest car insurance companies in your area. Click to view list.
However you get your quotes, do your best to enter exactly the same coverage information for every quote you compare. If you use different coverage information it will be next to impossible to make a fair rate comparison. Just a small difference in insurance coverages could skew the results. It’s important to know that comparing more quotes will improve the odds of getting the best price. Some smaller insurers to not give online price quotes, so it’s necessary to compare quotes from them as well.
Big brands don’t always mean big savings
Insurance coverage companies such as State Farm, Allstate and GEICO consistently run ads on television and other media. All the ads say the same thing that you can save if you move to their company. How can each company say the same thing? This is how they do it.
Insurance coverage companies can use profiling for the type of customer they prefer to insure. A good example of this type of driver might have to be a married male, has never had a claim, and drives a car with an anti-theft system. A customer who fits those characteristics will get very good prices and most likely will save money with a new company.
Consumers who are not a match for this ideal profile may be required to pay higher premiums with the end result being the customer buying from a different company. The trick is to say “drivers who switch” but not “everyone who gets a quote” save the amount stated. This is how companies can advertise the way they do.
This really illustrates why you really should compare quotes as often as possible. It’s impossible to know with any certainty which company will be your best fit.
Car insurance discounts are available to lower your rates
Car insurance can cost a lot, but you may be missing some discounts that many people don’t even know exist. Certain credits will be shown when you get a quote, but occassionally some discounts must be specially asked for in order for you to get them.
- Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car may be insured at a cheaper rate.
- Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Safe Driver Discount – Insureds without accidents may save up to 50% more for Grand Cherokee coverage than drivers with accident claims.
- Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
- Multi-line Discount – Not all companies offer life insurance, but some may give you lower prices if you buy a life policy as well.
- Active Military Service – Being deployed in the military may qualify for rate reductions.
One last thing about discounts, most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck. But any discount should help reduce your overall premium however.
To see car insurance companies that provide some of the discounts listed above, click this link.
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Everyone needs different car insurance coverages
When choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine if your situation would benefit from professional advice.
- When can my company non-renew my policy?
- Am I covered when pulling a rental trailer?
- Why do I only qualify for high-risk insurance?
- Do all my vehicles need collision coverage?
- Am I missing any policy discounts?
- How much liability do I need to cover my assets?
- Should I bundle my homeowners policy with my auto?
- What should my uninsured motorist coverage limits be in my state?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Insurance policy coverages for a 2018 Jeep Grand Cherokee
Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.
Collision coverage protection
Collision coverage will pay to fix damage to your Grand Cherokee resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like sideswiping another vehicle, hitting a mailbox, backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like dental work, EMT expenses, surgery, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.
Liability auto insurance
This coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims like medical services, repair bills for other people’s vehicles, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but buy as much as you can afford.
Comprehensive or Other Than Collision
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like vandalism, hitting a bird, falling objects, hail damage and rock chips in glass. The maximum amount 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.
Buy online or local, you save
We’ve covered a lot of information how to compare 2018 Jeep Grand Cherokee insurance rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable car insurance. Consumers could even find that the best rates are with a small local company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.
When you buy car insurance online, never skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to discover later that it was a big error on their part. The aim is to purchase a proper amount of coverage at the best possible price.
- Side Impact Crash Tests (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Child Safety Seats (Insurance Information Insitute)
- Speed and Speed Limit FAQ (iihs.org)
- Collision Insurance Coverage (Nationwide)
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