2015 Jeep Grand Cherokee SRT Car Insurance Quotes

Trying to find better insurance rates for your Jeep Grand Cherokee SRT? Paying for overpriced Jeep Grand Cherokee SRT insurance can eat up your bank account and make it impossible to make ends meet. Getting a rate comparison is free and is an excellent way to make ends meet.

Because you have many choices of insurance companies, it can be challenging to pick the cheapest insurance company.

It’s a great practice to get comparison quotes at least once a year since rates are usually higher with each renewal. If you had the best rate for Grand Cherokee SRT insurance a year ago there may be better deals available now. There is a lot of bad information regarding insurance on the web, but I’m going to show you some of the best techniques to lower your insurance rates.

The fastest way that we advise to get rate comparisons takes advantage of the fact most larger insurance companies allow for online access to quote your coverage. The only thing you need to do is take a few minutes to give details including if it has an alarm system, distance driven, your education level, and if you’re married. That information is instantly submitted to many highly-rated insurers and they provide comparison quotes instantly.

To check rates for your 2015 Jeep Grand Cherokee SRT now, click here and complete the quick form.

Jeep Grand Cherokee SRT insurance premiums can be more affordable

When buying insurance it’s important to understand some of the elements that help calculate insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find lower premium levels.

Shown below are just a few of the factors that factor into prices.

  • Save money with higher physical damage deductibles – Comp and collision deductibles tell how much you are required to pay if a covered claim is submitted. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered would be rearending another vehicle, fire damage, or theft of your vehicle. The more of the claim you’re willing to pay, the lower your rates will be for Grand Cherokee SRT insurance.
  • You might pay higher premiums if you are single – Having a spouse may save some money on your insurance bill. It translates into being more mature than a single person and it’s proven that married drivers tend to have fewer serious accidents.
  • Rural areas have lower prices – Being located in less populated areas has it’s advantages when trying to find low car insurance rates. Urban drivers have traffic congestion and longer commute times. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate.
  • Never allow your policy to lapse – Having a lapse in insurance coverage is a fast way to increase your insurance rates. And not only will your rates increase, not being able to provide proof of insurance may result in a revoked license or a big fine. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Small claims can cost you – Auto insurance companies generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of larger claims.
  • Certain employers pay higher insurance rates – Did you know your job can affect your rates? Occupations like military generalsairline pilots and financial analysts usually pay higher average rates due to high stress and long work hours. On the flip side, professions such as farmers, students and performers receive lower rates for Grand Cherokee SRT insurance.
  • Your car’s features help determine rates – Selecting a car model with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.
  • Don’t skimp on liability protection – The liability coverage on your policy is the coverage that protects you if a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense up to the limits shown on your policy. This coverage is relatively inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Cheaper car insurance rates with discounts

Car insurance is not an enjoyable expense, but you might find some hidden discounts that many people don’t even know exist. Certain reductions will be credited at quote time, but lesser-known reductions have to be inquired about prior to getting the savings.

  • Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more if you qualify.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Good Student – A discount for being a good student may save you up to 25%. This discount can apply up until you turn 25.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts may get savings as much as 30%.
  • Senior Citizens – Mature drivers may qualify for a small discount on rates for Grand Cherokee SRT insurance.
  • New Vehicle Savings – Buying a new car model can save you some money since new vehicles are generally safer.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Drive Safe and Save – Accident-free drivers can pay as much as 50% less for Grand Cherokee SRT insurance than less cautious drivers.
  • Homeowners Savings – Owning a house can earn you a little savings because maintaining a house shows financial diligence.
  • Memberships – Participating in a professional or civic organization is a good way to get lower rates on your next car insurance statement.

One thing to note about discounts is that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will help reduce the premium cost.

Some companies that may offer quotes with some of the discounts shown above may include but are not limited to:

If you are trying to find cheaper car insurance quotes, ask all companies you are considering which discounts they offer. A few discounts might not be offered on policies in your area. To see a list of providers that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When choosing coverage, there really is not a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs will benefit from professional help.

  • How much liability do I need to cover my assets?
  • What discounts do I qualify for?
  • Do I need higher collision deductibles?
  • Do I have any recourse if my insurance company denies a claim?
  • What is the rate difference between pleasure use and commuting?
  • Is my camper covered by my car insurance policy?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Auto insurance coverages

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Collision coverages – Collision coverage will pay to fix damage to your Grand Cherokee SRT caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages – This provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair costs for stationary objects, attorney fees, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many 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 very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as hospital visits, nursing services and dental work. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Final considerations

As you quote car insurance, you should never buy poor coverage just to save money. Too many times, someone dropped collision coverage only to discover later that they should have had better coverage. Your strategy should be to buy the best coverage you can find for the lowest price, but do not skimp to save money.

We covered many ideas to save on 2015 Jeep Grand Cherokee SRT insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best prices are with an unexpected company. They can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.

Cheaper 2015 Jeep Grand Cherokee SRT insurance can be found online in addition to local insurance agencies, so you need to quote car insurance with both to have the best rate selection. Some companies may not have rate quotes online and usually these smaller companies only sell through independent insurance agencies.

Additional information