2014 Jeep Grand Cherokee Insurance Quotes – 5 Policy Discounts

Having to pay for overpriced insurance can take a big chunk out of your checking account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to tighten up your finances. Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a insurer to find the absolute best rate

If you are insured now or are shopping for new coverage, you can use this information to cut your premiums and possibly find even better coverage. Finding the best rates is not that difficult. Consumers only need an understanding of the proper methods to compare company rates on the web.

Comprehensive Insurance Coverage Comparison

All the larger insurance coverage companies give prices for coverage on their websites. Getting quotes is quite easy as you just type in the coverages you want as requested by the quote form. After you submit the form their system will obtain credit information and your driving record and returns a price. Online quotes makes it a lot easier to compare rates but having to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it is imperative to compare as many rates as possible if you want to find better prices.

Rate comparisons made easy

A more efficient way to locate the lowest prices makes use of a single form that gets price quotes from many companies. The form is fast, eliminates form submissions, and makes online price comparison much easier to do. Once the form is submitted, it gets priced and you can choose any or none of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

In order to compare pricing, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you duplicate the insurance coverages identical to your current policy. Doing this guarantees you will be getting a fair comparison for similar coverage.

Beware of misleading insurance coverage ads

Consumers get pounded daily by advertisements that promise big savings by companies like Allstate, GEICO and Progressive. They all make the same claim that you’ll save big if you move to them.

How does each company claim to save you money? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For example, a desirable insured might be over the age of 50, owns a home, and drives newer vehicles. A propective insured who matches those parameters is entitled to the best price and most likely will save a lot of money.

Potential insureds who don’t qualify for the requirements must pay higher rates and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save that much. That’s why insurance companies can advertise the savings.

This illustrates why drivers must compare as many rates as you can. It’s impossible to know which insurance companies will give you the biggest savings on Jeep Grand Cherokee insurance.

Cut your premium with these five discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you get a quote, but some may not be applied and must be specifically requested before they will apply. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Auto/Life Discount – Some companies give a discount if you purchase life insurance from them.
  • Defensive Driving Course – Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Homeowners Savings – Owning a house can save you money because maintaining a house is proof that your finances are in order.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.

For a list of insurance companies who offer auto insurance discounts, click this link.

What is the best insurance coverage?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions might help in determining whether your personal situation might need professional guidance.

  • What if I owe more than I can insure my car for?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my babysitter covered when using my vehicle?
  • Which companies will insure high-risk drivers?
  • Is extra glass coverage worth it?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I drive in Mexico and have coverage?
  • Should I buy only the required minimum liability coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance specifics

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Collision – Collision insurance covers damage to your Grand Cherokee resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, damaging your car on a curb, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to a person or their property 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 might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, funeral expenses, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, fire damage, hitting a bird, vandalism and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like ambulance fees, rehabilitation expenses, EMT expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Summing up your car insurance search

We just showed you many tips how you can reduce 2014 Jeep Grand Cherokee insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the best price on car insurance is with a small mutual company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There have been many cases where someone sacrificed liability limits or collision coverage and learned later that they should have had better coverage. The ultimate goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Budget-conscious insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

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