Lower Your 2022 Jeep Grand Cherokee Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Locating cheaper insurance for a Jeep Grand Cherokee can be an all-consuming task, but you can use our auto insurance buying tips to make it easier.

There is a better way to find auto insurance online so you’re going to learn the quickest way to quote coverages for your Jeep and get the lowest possible price from local insurance agents and online providers.

Consumers should take time to compare prices yearly since insurance prices are adjusted regularly by insurance companies. If you had the lowest price for Grand Cherokee coverage at your last renewal you will most likely find a better rate today. Ignore everything you know about auto insurance because you’re about to learn the fastest way to find better coverage at a better price.

If you have insurance now or are shopping for new coverage, you can use this information to get lower rates and possibly find even better coverage. Shopping for the lowest cost coverage can be fairly easy. Drivers just need to understand the proper way to compare rates online.

These discounts can lower your insurance coverage rates

Insurance can be prohibitively expensive, but you may qualify for discounts that can dramatically reduce your bill. Some trigger automatically at the time of quoting, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you don’t get every credit possible, you could be paying more than you need to.

  • Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance for Grand Cherokee coverage with a few insurance coverage companies.
  • Resident Student – Children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • No Claim Discounts – Insureds with no claims or accidents have much lower rates as compared to drivers with a long claim history.
  • Cautious Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates for Grand Cherokee coverage than their less cautious counterparts.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums for Grand Cherokee coverage.
  • ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
  • Sign Online – Some insurance coverage companies will discount your bill up to fifty bucks shop insurance online.
  • Club Memberships – Belonging to specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
  • Driver Training Discounts – Taking a class that teaches defensive driver techniques could possibly earn you a 5% discount if your company offers it.

You can save money using discounts, but most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will cut your policy premium.

Large insurance coverage companies and some of the premium reductions they offer can be found below.

  • State Farm offers premium reductions for Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, multiple policy, good driver, student away at school, and safe vehicle.
  • GEICO has discounts for multi-policy, military active duty, membership and employees, emergency military deployment, and driver training.
  • Allstate includes discounts for defensive driver, premier plus, good student, 55 and retired, auto/life discount, and new car.
  • SAFECO offers discounts for bundle discounts, accident prevention training, homeowner, drive less, and safe driver.
  • Farm Bureau discounts include good student, 55 and retired, multi-policy, safe driver, renewal discount, and multi-vehicle.
  • Progressive offers discounts including online signing, continuous coverage, homeowner, online quote discount, multi-vehicle, and multi-policy.
  • AAA may offer discounts for anti-theft, education and occupation, AAA membership discount, multi-policy, pay-in-full, multi-car, and good driver.

Check with every prospective company the best way to save money. Savings might not be offered on policies everywhere. To locate companies that offer discounts, enter your zip code here.

Cheapest insurance quotes

Shopping for lower insurance rates can be exhausting if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking to agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system where insurance shoppers enter their policy data once, and every company then returns a price quote. This system prevents you from having to do form submissions for each company. To use this form to compare rates enter your zip code here.

One minor caveat to pricing coverage this way is you don’t know exactly which insurance companies you want pricing from. If you would rather choose from a list of companies to compare prices, we have a page of companies who write insurance in your area. Click to enter zip code for insurance companies.

How you compare quotes is your choice, just compare the exact same quote data with every price quote. If you are comparing unequal deductibles or liability limits then you won’t be able to find the best deal for your Jeep Grand Cherokee.

Different people need different car insurance coverages

When it comes to choosing coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Should I have a commercial auto policy?
  • Is my 2022 Jeep Grand Cherokee covered for flood damage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • Do all my vehicles need collision coverage?
  • When would I need additional glass coverage?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance specifics

Having a good grasp of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills such as doctor visits, rehabilitation expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Jeep Grand Cherokee.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision – This coverage will pay to fix damage to your Grand Cherokee resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, hitting a bird, damage from getting keyed and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability insurance will cover damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like attorney fees, pain and suffering, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Buy Smart and Save

In this article, we covered some good ideas how to lower your 2022 Jeep Grand Cherokee insurance prices. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper insurance. You may be surprised to find that the lowest prices are with the least-expected company.

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, delays in responding to claim requests and even policy cancellation. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.

Lower-priced 2022 Jeep Grand Cherokee insurance can be sourced online as well as from independent agents, and you should compare rates from both so you have a total pricing picture. A few companies may not provide online price quotes and these small, regional companies only sell through independent insurance agents.

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