2023 Jeep Grand Cherokee Insurance Rates in 2024 – 7 Tips to Save

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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Looking for the cheapest insurance rates for your Jeep Grand Cherokee? Are you tired of sacrificing to pay insurance each month? You’re in the same situation as the majority of other vehicle owners. Online insurance companies like GEICO, Progressive and Allstate all claim big savings with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Where can I get low cost auto insurance?

The majority of larger companies allow consumers to get coverage prices direct online. The process is quite simple as you just type in the coverage amounts you desire into the quote form. Once entered, their system will order your driving record and credit report and gives you a price quote. Online quotes makes it easy to compare insurance prices but the work required to visit many different websites and type in your information is repetitive and time-consuming. But it’s necessary to get many rate quotes if you want to get better prices.

There is a better way!

An easier way to locate the lowest prices makes use of a single form that obtains quotes from multiple companies. It’s a real time-saver, requires less work, and makes price shopping online much easier to do. As soon as you send your information, it gets priced and you can select any or none of the resulting price quotes.

If a lower price is quoted, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and fill out one form to compare multiple rates now, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend you copy the limits and deductibles exactly as shown on your declarations page. This guarantees you’re receiving rate comparison quotes based on similar coverages.

Take advantage of every insurance coverage discount

Insurance coverage is easily one of your largest bills, but you may find discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but a few must be specifically requested prior to receiving the credit.

  • Save with More Vehicles Insured – Buying coverage for multiple cars on a single policy can get a discount for every vehicle.
  • Theft Prevention Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • One Accident Forgiven – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual will forgive one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
  • Discount for New Cars – Putting coverage on a new car can get you a discount since newer models have better safety ratings.
  • Lower Rates for Military – Being on active duty in the military could trigger a small discount.
  • Use Seat Belts – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • E-sign – Some companies will provide an incentive for buying your policy digitally online.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

Some of the larger companies that may offer quotes with these money-saving discounts may include but are not limited to:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • AAA

Before purchasing a policy, check with every insurance company which discounts you may be entitled to. Savings may not apply everywhere. If you would like to view insurance coverage companies with the best discounts, enter your zip code here.

How to know if you need help

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Does insurance cover tools stolen from my truck?
  • Is there coverage for injuries to my pets?
  • Where can I find high-risk insurance?
  • Can my teen drive my company car?
  • Will my rates increase for filing one claim?
  • Who is covered by my policy?
  • Is pleasure use cheaper than using my 2023 Jeep Grand Cherokee to commute?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete your zip code. It is quick, free and may give you better protection.

Car insurance advertisements

Consumers can’t ignore all the ads that claim the best premium rates by companies like State Farm, Allstate and GEICO. They all seem to state the claim that you’ll save big just by switching your policy.

But how can every company claim to save you money? It’s all in the numbers.

All the different companies provide the lowest rates for the right customer that will be a good risk. One example of this type of insured might have to be between 25 and 40, has few claims, and has excellent credit. Someone that hits that “sweet spot” gets the lowest rates and have a good chance to save when switching.

Insureds who cannot meet the “perfect” profile will get a higher premium and this results in the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save money. That is how insurance companies can confidently make claims that they all have the best prices.

Because of this risk profiling, it is so important to get as many free auto insurance quotes as possible. Because without a comparison, you cannot know which company will have the lowest rates.

Information about specific coverages

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jeep Grand Cherokee.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses such as surgery, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage caused by collision 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 insurance covers claims like hitting a mailbox, crashing into a building, sideswiping another vehicle, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for liability

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like bail bonds, medical expenses and funeral expenses. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, hitting a deer, theft and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a penny pincher

As you restructure your insurance plan, never buy poor coverage just to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage for the lowest price while still protecting your assets.

We just showed you a lot of information how to shop for 2023 Jeep Grand Cherokee insurance online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from a small mutual company. Smaller companies often have lower prices on specific markets compared to the large companies like Progressive or GEICO.

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