Cheaper 2013 Jeep Grand Cherokee Insurance Cost

Getting affordable insurance coverage can seem to be difficult for beginners to comparing and buying insurance coverage on the web. With such a large number of insurers available, how are consumers expected to have time to compare them all to find better rates?

Finding affordable coverage is not rocket science. Essentially every driver who has to buy insurance coverage should be able to reduce their rates. Although car owners must learn the way companies sell online.

How insurers calculate Jeep Grand Cherokee insurance premiums

Multiple criteria are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although others are more transparent like your vehicle usage or your commute time.

Shown below are some of the most common factors companies use to determine your rates.

  • Insurance companies don’t like frequent insurance claims – Auto insurance companies give cheaper rates to drivers who do not file claims often. If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • More traffic equals higher premiums – Residing in less populated areas of the country has it’s advantages when insuring your vehicles. Fewer drivers and short commutes means a lower chance of having an accident. Urban drivers have to deal with more auto accidents and a longer drive to work. More time behind the wheel translates into higher accident risk.
  • Add-on coverages push up rates – Policies have optional add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for rental car coverage, better glass coverage, and term life insurance may not be needed and are just wasting money. You may think they are a good idea initially, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • High deductibles cost less – Protection for physical damage, also known as collision and other-than-collision, insures against damage to your Jeep. A few examples of covered claims would be a broken side mirror, vandalism, or theft. The deductibles you choose are the amount of money you are willing to pay before a claim is paid by your company. The higher the amount the insured is willing to pay, the lower your rates will be on Grand Cherokee coverage.
  • Compare rates if you combine your policies – Most larger insurance companies will give lower prices to people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, consumers should still compare other insurance prices to ensure the best deal.
  • How old are your drivers? – Youthful drivers are statistically proven to get distracted easily behind the wheel therefore insurance coverage rates are much higher. Parents adding a teenage driver onto a policy can really hurt. Mature drivers are more responsible, cause fewer claims and accidents , and are generally more financially stable.
  • Lower rates for married couples – Being married may cut your premiums on your policy. It means you’re more responsible and insurance companies reward insureds because being married results in fewer claims.
  • Lower premiums for safer vehicles – Safer cars can get you lower premiums. Safer cars result in less severe injuries and fewer serious injuries means lower claim amounts passed on to you as lower rates. If your Jeep Grand Cherokee scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Discounts for cheap insurance coverage quotes

Some insurers don’t always publicize the entire discount list very well, so the following is a list of both the well known and also the more inconspicuous discounts that you may qualify for.

  • Telematics Data – Policyholders that allow driving data submission to spy on vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Paperless Signup – Many insurance coverage companies provide a small discount for signing up over the internet.
  • Discount for Life Insurance – Companies who offer life insurance give a lower insurance coverage rate if you buy some life insurance too.
  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on Grand Cherokee coverage depending on your insurance coverage provider.
  • No Charge for an Accident – This isn’t a discount exactly, but companies like Libery Mutual, GEICO and Allstate will let one accident slide without the usual rate increase as long as you don’t have any claims prior to the accident.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen so companies will give you a small discount.
  • Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
  • Anti-lock Brakes – Vehicles that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.

Drivers should understand that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and some of the premium reductions they offer are included below.

  • State Farm offers premium reductions for accident-free, anti-theft, multiple policy, good student, and driver’s education.
  • American Family discounts include bundled insurance, defensive driver, air bags, accident-free, TimeAway discount, good driver, and multi-vehicle.
  • AAA offers discounts including education and occupation, anti-theft, good driver, good student, multi-policy, AAA membership discount, and multi-car.
  • GEICO includes discounts for daytime running lights, multi-vehicle, anti-lock brakes, driver training, and emergency military deployment.
  • Mercury Insurance may offer discounts for accident-free, good student, annual mileage, type of vehicle, and anti-theft.
  • Farmers Insurance has savings for switch companies, pay in full, teen driver, business and professional, and bundle discounts.
  • Progressive may include discounts for online signing, online quote discount, continuous coverage, multi-vehicle, homeowner, multi-policy, and good student.

When getting free insurance coverage quotes, it’s a good idea to every insurance company how you can save money. Discounts might not be available to policyholders in your area. If you would like to view providers that have a full spectrum of discounts, follow this link.

Auto insurance ads are enticing

Popular auto insurance providers such as State Farm, GEICO and Progressive endlessly run ads on TV and radio. All the ads make an identical promise of big savings just by switching to them. How is it possible that every company can charge you a lower premium? Here is the trick they use.

Companies require specific criteria for a prospective insured that earns them the most money. For instance, this type of insured might be between 25 and 40, has no driving citations, and has a short commute. Any driver that fits those parameters will get a cheap rate quote and as a result will probably save some money.

Potential customers who are not a match for the ideal profile will probably be forced to pay higher prices and business not being written. The ad wording is “customers who switch” not “all people who quote” save the amount stated. This is how companies can make it sound like they have such great premium rates. Because of this risk profiling, drivers should get insurance coverage quotes from several different companies. It is impossible to guess the company that will be your best fit.

You may need specialized insurance coverage coverage

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my 2013 Jeep Grand Cherokee covered for flood damage?
  • Is business equipment covered while in my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I crash into my own garage door?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance policy specifics

Learning about specific coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision coverages – Collision coverage pays for damage to your Grand Cherokee from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, driving through your garage door, sustaining damage from a pot hole, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, vandalism, hail damage, falling objects and fire damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Grand Cherokee.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage – Med pay and PIP coverage reimburse you for expenses such as EMT expenses, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on a person or their property. It protects you against claims from other people. It does not 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. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as pain and suffering, repair bills for other people’s vehicles, emergency aid and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Make a quick buck

Drivers leave their current company for a variety of reasons including not issuing a premium refund, being labeled a high risk driver, poor customer service and even delays in paying claims. Whatever your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented many tips how you can reduce 2013 Jeep Grand Cherokee insurance rates online. The key thing to remember is the more you quote insurance coverage, the higher your chance of finding affordable insurance coverage. You may even discover the lowest rates come from the smaller companies.

Budget-conscious 2013 Jeep Grand Cherokee insurance can be bought online in addition to local insurance agencies, so you need to shop insurance coverage with both to have the best selection. There are still a few companies who do not offer online price quotes and these small insurance companies prefer to sell through independent agents.

Additional detailed information is located in the articles below: