Cheaper 2015 Jeep Grand Cherokee Insurance Quotes

Overpriced car insurance can bottom out your budget and make it hard to pay other bills. Doing a rate comparison is a fast and free way to tighten up your finances.

There is such a variety of insurance companies to pick from, and although it’s a good thing to have a choice, it can be more challenging to compare rates and find the lowest cost car insurance.

It’s a great practice to shop coverage around periodically because car insurance prices change regularly. Even if you got the best deal on Grand Cherokee coverage a couple years back you can probably find a better rate quote now. Ignore everything you know about car insurance because you’re about to learn the only way to lower your rates without sacrificing coverage.

Free insurance quotes

Getting a low cost price on 2015 Jeep Grand Cherokee insurance is actually easier than you may think. The only thing you need to do is spend a few minutes getting comparison quotes from different insurance companies. It’s really simple and can be done using one of these methods.

  1. Probably the best way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This quick form eliminates the need for multiple quote forms for every insurance company. A single form gets you coverage quotes from insurance companies with the best prices.
  2. A more time consuming way to find lower rates is to manually visit each company website and request a quote. For example, let’s say you want rates from Allstate, Farmers and Travelers. You would have to go to every website and type in your information over and over, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just make sure you compare apples-to-apples deductibles and coverage limits for each price quote. If you compare unequal deductibles or liability limits it’s impossible to make a fair comparison for your Jeep Grand Cherokee.

Don’t overlook these insurance discounts

The price of auto insurance can be rather high, but you may qualify for discounts that could help you make your next renewal payment. Certain reductions will be credited at quote time, but a few must be requested specifically before they will apply. If you check and find you aren’t receiving every discount available, you could be paying more than you need to.

  • One Accident Forgiven – Not a discount per se, but some insurance companies may permit one accident without getting socked with a rate hike if your claims history is clear before the accident.
  • Payment Method – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Grand Cherokee coverage depending on your company.
  • Safety Restraint Discount – Forcing all vehicle occupants to buckle up before driving can save 10% or more off the PIP or medical payment premium.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
  • Discounts for New Vehicles – Insuring a vehicle that is new can save you some money since newer models are generally safer.
  • Paperwork-free – Certain larger companies will provide an incentive for signing up online.

Discounts lower rates, but most credits do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you could get a free insurance policy, you aren’t that lucky. Any qualifying discounts should help reduce the premium cost.

If you would like to see a list of providers that offer discounts, click here to view.

When to get professional advice

When choosing adequate coverage, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • What if I don’t agree with a claim settlement offer?
  • Am I covered if hit by an uninsured driver?
  • Why am I required to buy high-risk coverage?
  • Do I need motorclub coverage?
  • Am I covered when driving a rental car?
  • What is UM/UIM insurance?
  • Will filing a claim cost me more?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Coverage specifics

Having a good grasp of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Jeep Grand Cherokee.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, vandalism, a broken windshield, rock chips in glass and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance will cover damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, medical services, court costs, emergency aid and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, funeral costs and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance will pay to fix damage to your Grand Cherokee resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.