2019 Jeep Grand Cherokee Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 7, 2024

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Looking for the cheapest insurance coverage rates for your Jeep Grand Cherokee? Are you drained from being strong-armed each month for insurance coverage? Your situation is no different than many other consumers.

You have so many auto insurance companies to insure vehicles with, and even though it’s nice to have a choice, it makes it harder to adequately compare rates.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. But consumers must comprehend the methods companies use to market on the web and use this information to your advantage.

How to find cheap car insurance

There are several ways to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You could waste a few hours driving to agents in your area, or you can stay home and use online quotes to get prices fast.

Most of the best insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company can give them a price based on the submitted data. This prevents consumers from doing quotation requests to each individual car insurance company.

To get comparison pricing now enter your zip code here.

The only drawback to pricing coverage this way is you cannot specify which carriers to receive prices from. So if you prefer to pick individual companies to compare rates, we have a listing of low cost car insurance companies in your area. Click to enter zip code.

The method you choose is up to you, but try to use identical quote data for each comparison quote. If you are comparing different coverage information you will not be able to determine which rate is truly the best. Just a small difference in insurance coverages can result in a big premium difference. And when comparison shopping, having more price comparisons will increase your chances of finding the best price.

Insurance advertising tricks

Well-known insurance companies like State Farm, GEICO and Progressive endlessly run ads in print and on television. They all tend to make the same promise about how much you will save after switching your coverage to them. How is it plausible that every one can say the same thing? Here is how they do it.

Many companies quote their cheapest rates for the type of insured that earns them a profit. An example of a desirable insured should be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer that fits those parameters will get very good car insurance rates and will most likely save money with a new company.

Insureds who do not meet those standards may be required to pay higher premium rates and ends up with business going elsewhere. If you listen closely, the ads state “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how companies can truthfully advertise the savings. Different companies use different criteria so you really need to do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will have the lowest rate quotes.

Lower-cost insurance coverage rates with discounts

Some companies don’t always publicize every discount very clearly, so the list below details both well-publicized as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

  • Seat Belts Save more than Lives – Forcing all vehicle occupants to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
  • Professional Memberships – Belonging to certain professional organizations may earn a discount on your next insurance coverage statement.
  • Good Driver Discounts – Accident-free drivers could pay up to 40% less for Grand Cherokee coverage than their less cautious counterparts.
  • Homeowners Pay Less – Just being a homeowner can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
  • Accident Free – Claim-free drivers get the best insurance coverage rates when compared to insureds who have frequent claims or accidents.
  • Student Driver Training – Cut your cost by having your teen driver successfully take a drivers education course in school or through a local driver safety program.
  • Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase life insurance from them.
  • Distant Student Discount – College-age children who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.
  • Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Discounts for New Vehicles – Insuring a vehicle that is new is cheaper compared to insuring an older model.

Keep in mind that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, you’re out of luck.

Insurance companies that possibly offer these benefits include:

  • Progressive
  • The Hartford
  • Mercury Insurance
  • AAA
  • State Farm

Before you buy a policy, ask every prospective company to give you their best rates. Some discounts might not apply everywhere. To find providers that provide some of the discounts listed above, enter your zip code here.

Tailor your car insurance coverage to you

When buying adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Are rock chip repairs covered?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my dog or cat covered if injured in an accident?
  • What is high-risk coverage and where do I buy it?
  • At what point should I drop full coverage?
  • Is my ex-spouse still covered by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does coverage extend to a rental car in a foreign country?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out your zip code.

Car insurance coverage information

Knowing the specifics of your car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.

Collision coverage protection

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

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as rehabilitation expenses, nursing services, chiropractic care and EMT expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Jeep Grand Cherokee.

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 should not be overlooked.

Comprehensive car insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a broken windshield, fire damage and vandalism. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like loss of income, emergency aid, pain and suffering and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Compare but don’t skimp

We covered many ways to compare 2019 Jeep Grand Cherokee insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the best car insurance rates are with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

While you’re price shopping online, do not buy poor coverage just to save money. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at an affordable rate and still be able to protect your assets.

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