2016 Jeep Grand Cherokee Insurance Rates – 7 Policy Discounts

Drivers have options when trying to find the best price on Jeep Grand Cherokee insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to get rate quotes.

There are more efficient ways to find insurance online and you need to know the quickest way to get price quotes for a Jeep and get the cheapest rates from both online companies and local agents.

This article will help you learn the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Consumers only need an understanding of the most efficient way to compare price quotes online.

The easiest way to compare rates is to understand most insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is give them some information such as whether you are married, if a SR-22 is needed, your occupation, and daily mileage. The rating information gets sent immediately to many of the top insurers and they return rate quotes within a short period of time.

To start a rate quote now, click here and enter your coverage details.

These seven discounts can lower your insurance rates

Companies don’t always list every discount in an easy-to-find place, so we break down a few of the more common and also the lesser-known discounts that you may qualify for.

  • Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more.
  • Life Insurance – Larger insurance companies have a break if you buy life insurance from them.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Service Members Pay Less – Being deployed in the military can result in better premium rates.
  • New Vehicle Savings – Buying insurance on a new vehicle can cost up to 25% less since new model year vehicles are generally safer.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance because of the fact that having a home demonstrates responsibility.

While discounts sound great, it’s important to understand that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

Insurance companies that may include these discounts include:

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Some discounts may not apply to policyholders in your state. To choose insurance companies that provide some of the discounts listed above, click here.

Different people need different car insurance coverages

When choosing coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • Who is covered when they drive my 2016 Jeep Grand Cherokee?
  • Are my friends covered when driving my car?
  • What can I do if my company won’t pay a claim?
  • What is covered by UM/UIM coverage?
  • Am I covered if I hit a deer?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Are you falling for claims of savings?

Drivers get pounded daily by advertisements for cheaper insurance coverage by companies like Allstate and Progressive. All the ads tend to make the same promise that drivers will save a bundle just by switching your insurance coverage policy to them.

How does every insurance coverage company have lower policy pricing? It’s all in how they say it.

Insurance companies have specific characteristics for the right customer that will be a good risk. An example of a profitable insured could possibly be over the age of 40, has a clear driving record, and has a short commute. A customer that fits those parameters will qualify for the lowest premium rates as well as pay quite a bit less when switching companies.

Drivers who don’t measure up to these stringent criteria will be quoted more expensive rates which translates to the customer not purchasing. The trick companies use is to say “people who switch” not “all people who quote” save that kind of money. This is how insurance companies can confidently claim big savings.

Because of these techniques, you really need to do a rate comparison at every renewal. It is impossible to predict the company that will have better car insurance rates than you’re paying now.

Insurance coverage basics

Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for doctor visits, nursing services, chiropractic care, funeral costs and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Jeep Grand Cherokee.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Collision – Collision insurance covers damage to your Grand Cherokee resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield, falling objects, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim 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.

Liability car insurance – This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses, attorney fees and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Saving money makes a lot of cents

Consumers switch companies for many reasons like an unsatisfactory settlement offer, policy non-renewal, extreme rates for teen drivers and delays in responding to claim requests. Whatever your reason, finding a great new company is not as hard as you think.

As you quote auto insurance, you should never reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage and learned later they didn’t purchase enough coverage. The goal is to purchase plenty of coverage at a price you can afford.

We just showed you quite a bit of information on how to save on 2016 Jeep Grand Cherokee insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive auto insurance. Consumers could even find that the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.

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