Cheaper 2013 Jeep Grand Cherokee Car Insurance Cost

Nobody that owns a car gets a kick out of paying for auto insurance, particularly when they are paying too much.

Consumers have multiple car insurance companies to choose from, and although it’s nice to have a choice, it makes it harder to find the lowest cost provider.

The purpose of this post is to introduce you to the best way to quote coverages and some tips to save money. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. But car owners must learn how insurance companies price insurance differently and apply this information to your search.

Which car insurance is cheapest?

The are a couple different ways of comparing price quotes from lots of car insurance companies. The simplest method to find cheaper 2013 Jeep Grand Cherokee rates consists of shopping online. This is very easy and can be done in a couple minutes as outlined below.

The most efficient method to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate quotation requests for each company. Completing one form will get you rate comparisons instantly.

A more time consuming way to obtain and compare quotes online consists of going to each individual company website and complete a new quote form. For examples sake, we’ll pretend you want rates from Nationwide, State Farm and Farmers. You would be required to visit each site and punch in your information repeatedly, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.

The hardest way of getting rate comparisons is to spend time driving to different agent offices. The ability to get quotes online eliminates this option unless your situation requires the personal advice only provided by licensed agents. Although you can comparison shop online and get advice from an agent in your area.

Take whichever approach you prefer, but ensure you are comparing the same coverages and limits for each quote you get. If you are comparing different values for each quote you will not be able to make an equal comparison. Slightly different limits could mean much higher rates. Keep in mind that comparing more rates from different companies helps you find the best offered rates. Some smaller insurers to not give quotes online, so you also need to get quotes from the smaller companies as well.

Insurance policy discounts you can’t miss

Companies offering auto insurance don’t always list all disounts in an easy-to-find place, so the list below contains a few of the more common and also the lesser-known discounts that may be available.

  • Early Switch Discount – Some larger companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Discounts for Multiple Vehicles – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Driving Data Discount – Insureds that choose to allow their company to study driving patterns by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they have good driving habits.
  • Federal Employees – Active or retired federal employment could provide a small rate reduction for Grand Cherokee insurance depending on your insurance provider.
  • Distant Student – who live away from home at college and leave their car at home could get you a discount.
  • Defensive Driver Discount – Passing a class that teaches defensive driver techniques is a good idea and can lower rates and easily pay for the cost of the class.
  • Memberships – Joining specific professional or occupational memberships or organizations may earn a discount on your bill.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, that’s just not realistic.

The best insurance companies and their offered discounts are included below.

  • GEICO may offer discounts for driver training, federal employee, air bags, multi-vehicle, good student, and defensive driver.
  • MetLife includes discounts for good student, claim-free, accident-free, good driver, and multi-policy.
  • State Farm has savings for passive restraint, Drive Safe & Save, student away at school, anti-theft, accident-free, and good driver.
  • Progressive may have discounts that include good student, online quote discount, multi-policy, multi-vehicle, online signing, and homeowner.
  • Mercury Insurance offers discounts including accident-free, good driver, location of vehicle, professional/association, and ease of repair.
  • 21st Century may include discounts for homeowners, automatic seat belts, student driver, theft prevention, and anti-lock brakes.
  • Allstate offers premium reductions for economy car, FullPay discount, good student, farm vehicle, utility vehicle, and premier discount.

When comparing rates, check with each insurance company which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area. If you would like to choose from a list of providers with significant discounts, click here.

The Jeep Grand Cherokee insurance price equation

Multiple criteria are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, although others are more transparent like where you live or your financial responsibility.It’s important that you understand a few of the rating criteria that help determine your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to lower premium levels.

  • Pay more by driving carelessly – Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Having a single chargable violation can increase rates twenty percent or more. Drivers who have serious tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Your address can modify price – Choosing to live in less populated areas may provide you with better prices if you are looking for the lowest rates. City drivers tend to have more auto accidents and a longer drive to work. Fewer people translates into fewer accident claims.
  • Liability protection is important – Liability coverage will protect you in the event that you are responsible for damages caused by your negligence. Your liability coverage provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Cheaper rates after marriage – Being married may cut your premiums on insurance coverage. Having a significant other demonstrates that you tend to be more financially stable it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Lower mileage equals lower premium – The higher the mileage driven each year the higher your rate. Many insurance companies calculate rates based on how the vehicle is used. Cars that are left in the garage receive lower rates than vehicles that have high annual mileage. It’s always a good idea to double check that your insurance coverage policy shows the right rating data. Having an incorrect usage rating on your Grand Cherokee can result in significantly higher rates.
  • Poor credit rating equals high prices – Your credit rating factor in calculating your premium rate. Therefore, if your credit score is lower than you’d like, you could pay less to insure your 2013 Jeep Grand Cherokee by taking the time to improve your credit score. Drivers with very good credit scores tend to be more responsible as compared to drivers with bad credit.
  • More policies can equal more savings – Most insurers give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. If you currently are using one company, it’s in your best interest to compare rates to guarantee you are still saving the most.
  • Youthful drivers cost more – Young drivers are known to get distracted easily when driving therefore insurance coverage rates are much higher. Adding a youthful driver onto a policy can be quite pricey. Older, more experienced drivers are more responsible, cause fewer claims and accidents .

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • Who is covered when they drive my 2013 Jeep Grand Cherokee?
  • Do I have coverage for damage caused while driving under the influence?
  • Why am I required to buy high-risk coverage?
  • Can I drive in Mexico and have coverage?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Drivers who switch save $392 a year? Really?

Respected companies like 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all try to convey promises that drivers will save a bundle if you just switch your policy. How is it plausible that every one can lower your car insurance rates? This is the way they can do it.

Most companies have strict underwriting profiles for the right customer that will most likely be profitable. For example, a desirable risk may be over the age of 45, has had continuous coverage, and drives a lower-performance vehicle. Any customer who matches those parameters will get low rates and will also save some money.

Insureds who don’t measure up to those standards will probably be forced to pay a more expensive rate and ends up with the customer buying from someone else. If you listen to the ad wording, they say “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. This is how insurance companies can make it sound like they have such great premium rates.

Different companies use different criteria so you should get as many free car insurance quotes as possible. Because without a comparison, you cannot know which company will have the lowest rates.

Insurance coverage considerations

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Liability coverage

This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability 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. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like court costs, loss of income and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive protection

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

Comprehensive coverage pays for things such as hail damage, falling objects and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for ambulance fees, dental work, funeral costs, rehabilitation expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays for damage to your Grand Cherokee resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM 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 your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.

A penny earned…

Budget-friendly insurance coverage is attainable both online in addition to local insurance agencies, and you need to price shop both to have the best rate selection. Some insurance providers may not provide rate quotes online and usually these small insurance companies prefer to sell through local independent agencies.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There are a lot of situations where an insured dropped collision coverage only to regret at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at the best possible price, but do not skimp to save money.

In this article, we covered a lot of information how to save on 2013 Jeep Grand Cherokee insurance. It’s most important to understand that the more you quote car insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance coverage comes from some of the lesser-known companies. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

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