2013 Jeep Grand Cherokee Insurance Cost – 8 Tips for Cheapest Prices

Consumers who are new to shopping for insurance online can find finding the cheapest car insurance to be a formidable task.

It’s smart to shop coverage around every six months because prices change frequently. If you had the best price on Grand Cherokee insurance last year the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate how to use the internet to find the best coverage while lowering your premiums.

The purpose of this article is to instruct you on how car insurance quotes work and some tips to save money. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. But vehicle owners do need to learn the way insurance companies market insurance on the web because it can help you find the best coverage.

Free Car Insurance Quotes

The are a couple different ways of comparing rates from car insurance companies in your area. The recommended way to find the cheapest 2013 Jeep Grand Cherokee insurance rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

One of the best ways to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form eliminates the need for multiple quote forms to each individual car insurance company. A single form will get you rate comparisons from many national carriers. It’s the fastest way to compare.

A harder way to compare rate quotes requires you to visit each company’s website to request a price quote. For examples sake, let’s say you want comparison quotes from Nationwide, Geico and GMAC. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, make darn sure you compare identical coverage information with every price quote. If each company quotes different limits and deductibles on each one you will not be able to determine the lowest rate for your Jeep Grand Cherokee. Slightly different coverage limits may result in a large different in cost. And when quoting car insurance, remember that quoting more will improve the odds of getting a better price.

Don’t pay full price with these eight discounts

Insurance can be prohibitively expensive, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be asked about before being credited.

  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Low Mileage Discounts – Fewer annual miles on your Jeep could be rewarded with lower rates on the low mileage vehicles.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Senior Discount – Mature drivers may qualify for reduced rates on Grand Cherokee insurance.
  • College Student – Kids in college who live away from home and don’t have a car can receive lower rates.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Grand Cherokee insurance than drivers with accident claims.

It’s important to understand that some of the credits will not apply the the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.

A partial list of companies that may have some of the above discounts include:

Check with all companies you are considering how you can save money. Savings may not apply everywhere.

Your personal situation dictates your coverage

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions can help discover if you would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • When should I drop full coverage on my 2013 Jeep Grand Cherokee?
  • Is my Jeep Grand Cherokee covered if I use it for business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is medical payments coverage?
  • How high should deductibles be on a 2013 Jeep Grand Cherokee?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Car insurance coverages for a Jeep Grand Cherokee

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, a tree branch falling on your vehicle and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

This can cover damage or injury you incur to other people or property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, attorney fees, bail bonds, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jeep Grand Cherokee.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses like funeral costs, nursing services, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays for damage to your Grand Cherokee resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, backing into a parked car, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

The bottom line

Budget-conscious 2013 Jeep Grand Cherokee insurance can be found on the web as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

You just learned a lot of information how to compare insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a lesser-known regional company.

Consumers leave their current company for any number of reasons including questionable increases in premium, policy non-renewal, not issuing a premium refund or policy cancellation. It doesn’t matter what your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.

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