2012 Jeep Grand Cherokee Insurance Cost – 10 Policy Discounts

Car owners who just recently started comparing rates online might discover purchasing cheap insurance is very challenging.

Shop auto insurance online

The majority of larger companies like GEICO, State Farm and Progressive allow consumers to get prices on their websites. Obtaining pricing doesn’t take much effort as you just type in the coverage amounts you desire as requested by the quote form. Upon sending the form, the system makes automated requests for your credit score and driving record and generates a price based on the information you submitted.

Online price estimates makes it a lot easier to compare rates but the time it takes to visit several different sites and complete many quote forms is a waste of time. But it’s very important to do this in order to find better prices.

The preferred way to find better auto insurance pricing uses one simple form that obtains quotes from several companies at one time. This type of form saves time, reduces the work, and makes online price comparison a little more enjoyable. Immediately after submitting the form, it gets priced and you can select your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

To get comparison pricing now, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you duplicate the coverages identical to your current policy. This guarantees you will have rate comparison quotes based on identical coverages.

Auto insurance discounts are available to lower your rates

Auto insurance is expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you get a quote, but a few must be specifically requested prior to receiving the credit.

  • Military Rewards – Having an actively deployed family member can result in better rates.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Club Memberships – Belonging to qualifying employment or professional organizations is a simple method to lower premiums when shopping for auto insurance.
  • Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems help deter theft and will save you 10% or more.
  • Early Renewal Discounts – Select auto insurance companies give a discount for buying a new policy prior to your current policy expiration. This can save 10% or more.
  • Discounts for Government Workers – Simply working for the federal government may reduce rates when you quote insurance for Grand Cherokee insurance depending on your auto insurance provider.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance quote for Grand Cherokee insurance than less cautious drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Jeep can qualify you for cheaper rates.
  • Life Insurance Discount – Select auto insurance companies reward you with a discount if you purchase some life insurance too.

Remember that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, nobody gets a free ride.

The best auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Farm Bureau offers premium reductions for renewal discount, good student, youthful driver, safe driver, driver training, 55 and retired, and multi-policy.
  • State Farm may include discounts for good driver, accident-free, multiple policy, passive restraint, defensive driving training, and driver’s education.
  • Progressive has discounts for homeowner, multi-vehicle, online quote discount, online signing, continuous coverage, multi-policy, and good student.
  • Allstate may offer discounts for multi-policy, defensive driver, good payer, FullPay discount, early signing, passive restraint, and premier discount.
  • Nationwide offers discounts including defensive driving, multi-policy, Farm Bureau membership, business or organization, family plan, easy pay, and accident-free.
  • MetLife policyholders can earn discounts including defensive driver, multi-policy, claim-free, good student, and accident-free.

If you want affordable insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts might not apply everywhere.

Everyone needs different insurance coverage coverages

When choosing coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • When does my teenage driver need to be added to my policy?
  • When should I drop full coverage on my 2012 Jeep Grand Cherokee?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if I hit a deer?
  • Are split liability limits better than a combined single limit?
  • How can I get my company to pay me more for my totalled car?
  • What is PIP insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage information

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, surgery, nursing services, pain medications and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as attorney fees, bail bonds and medical services. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision – Collision coverage covers damage to your Grand Cherokee resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Grand Cherokee.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer, falling objects, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.