2017 Jeep Grand Cherokee Insurance Rates

Saving money on car insurance can be frustrating for drivers not familiar with quoting coverage prices online. There are so many options that it can quickly become more work than you anticipated to find the best rates.

If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Locating the best auto insurance can be fairly easy. Although car owners must understand the way companies compete online.

Buy car insurance online

The are a couple different ways to obtain and compare prices from lots of car insurance companies. The fastest way to find the lowest 2017 Jeep Grand Cherokee rates is to get quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

1. One of the best ways to compare a lot of rates at once is a comparison rater form (click to open form in new window). This style of form prevents you from having to do boring form submissions for each company. One form will return price quotes instantly. This is perfect if you don’t have a lot of time.
2. Another way to get quotes online requires a trip to the website of each company and get a separate price quote. For examples sake, let’s say you want to compare Progressive, Liberty Mutual and GMAC. You would need to navigate to each company’s site and punch in your information repeatedly, and that explains why we recommend the first method.

   For a list of links to insurance companies in your area, click here.

3. The hardest way to find lower rates to different agent offices. The internet eliminates the middleman unless you require the professional advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to get prices online and have a local agent actually service the policy.

Take whichever approach you prefer, but make absolute certain that you use the exact same coverages for every company. If you use different deductibles it’s impossible to determine the best price for your Jeep Grand Cherokee. Slightly different insurance coverages may cause a big price difference. It’s important to know that comparing more rates from different companies will improve the odds of getting better pricing. Not every company allows you to get prices over the internet, so you should also compare rates from those companies as well.

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You may need specialized car insurance coverage

When buying coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight if you will benefit from professional help.

• Why am I required to buy high-risk coverage?
• Can I still get insurance after a DUI?
• Do I have coverage when making deliveries for my home business?
• Will my insurance pay for OEM parts?
• Do I have newly-aquired coverage?
• Should I have combined single limit or split liability limits?
• Are rental cars covered under my policy?
• Why is insurance for a teen driver so high?
• How can I get high-risk coverage after a DUI?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages and their meanings

Understanding the coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Jeep Grand Cherokee.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

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

Collision coverage protects against claims such as crashing into a ditch, colliding with another moving vehicle, rolling your car, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like dental work, chiropractic care, prosthetic devices, pain medications and EMT expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, rock chips in glass, hitting a bird and fire damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

This coverage provides protection from damage that occurs to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as structural damage, court costs and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as large an amount as possible.

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