2013 Jeep Grand Cherokee Car Insurance Cost – 9 Tips to Save

Perplexed by the sheer number of insurance options? You have a lot of company. You have so many choices that it can easily become a ton of work to locate the lowest price.

It’s a great practice to take a look at other company’s rates before your policy renews because insurance rates are adjusted regularly by insurance companies. Even if you got the best rates for Grand Cherokee coverage on your last policy there may be better deals available now. Starting now, forget anything you know (or think you know) about insurance because you’re going to learn the fastest way to save on insurance.

Finding affordable coverage is simple if you know the tricks. Essentially everyone who is shopping for auto insurance will more than likely be able to cut their insurance bill. Nevertheless, car owners can benefit from knowing how insurance companies market on the web.

Insurance Comparisons

When shopping for insurance there are multiple ways to get quotes and find the best price. By far the easiest way to find competitive 2013 Jeep Grand Cherokee insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

1. The first (and easiest) way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate quotes to each individual insurance company. In just a few minutes this one form will get you price quotes from multiple companies.It’s the quickest way to get rates.
2. A less efficient way to compare rate quotes is to take the time to go to each company’s website and complete a new quote form. For sake of this example, we’ll pretend you want rates from Nationwide, Allstate and GMAC. To find out each rate you need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
3. The least recommended method to get comparison rates is to spend your day driving to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. It is possible to price shop your coverage online but still have the advice of a local agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples coverage information on every quote you get. If you compare different limits and deductibles on each one you can’t possibly determine the best price for your Jeep Grand Cherokee. Quoting even small variations in limits may result in large price differences. And when comparing insurance rates, know that getting more free quotes will increase your chances of finding a lower rate.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions might help in determining whether your personal situation may require specific advice.

• How many claims can I have before being cancelled?
• Is a fancy paint job covered?
• Who is covered when they drive my 2013 Jeep Grand Cherokee?
• Am I covered if I crash into my own garage door?
• Does my policy cover me when driving someone else’s vehicle?
• Is rental equipment covered for theft or damage?
• Are my friends covered when driving my car?
• Is my vehicle covered by my employer’s policy when using it for work?
• Can I still get insurance after a DUI?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Educate yourself about car insurance coverages

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like rehabilitation expenses, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from getting keyed and falling objects. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jeep Grand Cherokee.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability

This will cover damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, repair bills for other people’s vehicles, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.