Save on 2012 Jeep Grand Cherokee Insurance Cost

Looking for better insurance rates? Shoppers have lots of choices when shopping for the lowest priced Jeep Grand Cherokee insurance. They can either spend hours calling around trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to shop for insurance and we’ll show you the proper way to get price quotes for your Jeep and locate the lowest price either online or from local insurance agents.

It’s important to do rate comparisons at least once a year because insurance rates change regularly. Even if you got the best price on Grand Cherokee insurance a year ago you can probably find a better price now. Starting right now, ignore everything you know about insurance because I’m going to teach you one of the best ways to reduce your cost while increasing coverage.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will most likely be able to save some money using this strategy. Drivers only need to know the proper way to compare company rates online.

Comprehensive Auto Insurance Comparison

There are several ways to compare Jeep Grand Cherokee auto insurance quotes, but some are less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to maximize your effort.

Many companies participate in a marketplace where prospective buyers enter their coverage request one time, and each participating company returns a rated price based on that information. This prevents consumers from doing repetitive form submissions to every company.

To use this form to compare 2012 Jeep Grand Cherokee insurance rates click here (opens in new window).

The only drawback to comparing rates this way is buyers cannot specifically choose the companies you will receive quotes from. So if you want to select from a list of companies to compare rates, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing the exact same deductibles and coverage limits for each comparison quote. If your comparisons have different deductibles it will be very difficult to decipher which rate is best.

Why your Jeep Grand Cherokee might be costing you more

Smart consumers have a good feel for the factors that go into determining the price you pay for insurance coverage. Understanding what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

Listed below are some of the factors that factor into prices.

  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes tend to get into accidents in similar numbers, but men cause more damage. Men also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • Your car’s features help determine rates – Driving a car with an alarm system can get you a discount on your insurance coverage. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Drive less and save money – The more you drive in a year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Grand Cherokee may be wasting your money. Make sure your insurance coverage policy is rated on the correct driver usage.
  • Choose a safe vehicle and save – Vehicles with high crash test scores can get you lower premiums. The safest vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If your Jeep scored better than four stars on it is probably cheaper to insure.
  • Low deductibles can be expensive – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Jeep. Some instances where coverage would apply are a windshield shattered by a rock, damage from fire, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more money you are required to pay out-of-pocket, the less your insurance coverage will be on Grand Cherokee insurance.
  • Marriage brings a discount – Being married actually saves money on your policy. Marriage translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Mature drivers pay less – More mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel. Young drivers are known to be less responsible when driving and because of this, their insurance coverage rates are much higher.

Companies offer discounts so take them!

Auto insurance companies don’t always list every discount in an easy-to-find place, so we break down some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Club Memberships – Belonging to a civic or occupational organization could trigger savings on your policy on Grand Cherokee insurance.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Claim Free – Good drivers with no accidents can save substantially compared to bad drivers.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.

Consumers should know that many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that may have these discounts may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Discounts might not apply everywhere.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions can help discover if you would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Will I lose any money if I cancel my policy before it expires?
  • At what point should I drop full coverage?
  • Do I need replacement cost coverage?
  • Am I covered if hit by an uninsured driver?
  • How can I find cheaper teen driver insurance?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

The coverage is in the details

Having a good grasp of car insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, damage from flooding, hitting a deer, vandalism and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for funeral costs, prosthetic devices and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for collisions

This pays for damage to your Grand Cherokee from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, scraping a guard rail, rolling your car, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they 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.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Keep this in mind

Affordable 2012 Jeep Grand Cherokee insurance can be purchased from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, never reduce needed coverages to save money. There have been many cases where an insured cut liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at a price you can afford while still protecting your assets.

We just showed you some good ideas how you can lower your insurance rates. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from some of the lesser-known companies.

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