How Much Does 2012 Jeep Grand Cherokee Car Insurance Cost?

Have you had enough of not being able to scrape enough together to pay high insurance rates every month? You are in the same boat as many other drivers. Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate

Smart consumers take time to quote other rates quite often since insurance prices change regularly. Despite the fact that you may have had the best deal for Grand Cherokee insurance on your last policy the chances are good that you can find a lower premium rate today. There are lots of tips to save on insurance online, but you can learn the best ways to slash your insurance rates.

Are you qualifying for every discount?

Some insurers don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of some of the more common as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

  • Save over 55 – Seniors can get a slight reduction on a auto insurance quote for Grand Cherokee insurance.
  • Federal Government Employee – Employees or retirees of the government may reduce rates when you quote auto insurance for Grand Cherokee insurance but check with your company.
  • No Charge for an Accident – Not really a discount, but some insurance companies may permit one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount until age 25.
  • Braking Control Discount – Cars that have anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Auto/Home Discount – If you can bundle your auto and home insurance and insure them with the same company you will save as much as 10 to 15 percent.
  • Include Life Insurance and Save – Larger companies have a discount if you purchase life insurance.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and can earn a small discount on your policy.

Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you could get a free insurance policy, you won’t be that lucky.

A list of insurance companies and their offered discounts are:

  • State Farm offers discounts for defensive driving training, driver’s education, Drive Safe & Save, safe vehicle, and anti-theft.
  • GEICO may offer discounts for good student, driver training, military active duty, multi-policy, membership and employees, defensive driver, and federal employee.
  • Liberty Mutual policyholders can earn discounts including good student, hybrid vehicle, multi-car, preferred payment discount, safety features, and newly married.
  • The Hartford may include discounts for driver training, bundle, anti-theft, air bag, vehicle fuel type, and good student.
  • MetLife offers premium reductions for claim-free, accident-free, multi-policy, defensive driver, and good driver.
  • Progressive may have discounts that include online signing, good student, multi-vehicle, homeowner, continuous coverage, online quote discount, and multi-policy.

When comparing rates, check with all the companies to give you their best rates. Some discounts listed above may not apply to policies in your area. To see companies with discount rates, follow this link.

Get Jeep Grand Cherokee insurance at a discount

Multiple criteria are part of the equation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but some are less obvious like your continuous coverage or your financial responsibility.

  • Gender is a factor – Over the last 30 years, statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Males and females are responsible for at-fault accidents in similar percentages, but the males have costlier accidents. Men also tend to get cited for more serious violations like driving under the influence (DUI). Young males are most likely to cause an accident and therefore are the most expensive to insure.
  • Urban areas may pay more – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when shopping for auto insurance. Fewer drivers on the road means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities tend to have more road rage incidents and longer commute times. Spending more time driving means more chances of being involved in an auto accident.
  • Lower premiums for vehicles with better crash test results – Cars with five star safety ratings get lower rates. Vehicles engineered for safety reduce occupant injuries and better occupant protection means less claims paid which can result in lower premiums. If your Jeep Grand Cherokee has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • High credit history translates to low prices – Credit score factor in calculating your auto insurance rates. If your credit score is lower than you’d like, you could potentially save money when insuring your 2012 Jeep Grand Cherokee if you improve your credit rating. Drivers with very good credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • You might have higher premiums if you are single – Your spouse may save some money on your auto insurance bill. Having a spouse means you’re more mature it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Do you really need roadside assistance? – Insurance policies have a lot of extra coverages that you can buy if you aren’t diligent. Insurance for vanishing deductibles, better glass coverage, and additional equipment coverage may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but if you have no use for them consider taking them off your policy.

When in doubt talk to an agent

When choosing coverage, there isn’t really a one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • Do I need replacement cost coverage on my 2012 Jeep Grand Cherokee?
  • How does medical payments coverage work?
  • Does my medical payments coverage pay my health insurance deductible?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when pulling a rental trailer?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I wreck a rental car?

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 agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Specifics of your insurance policy

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, sustaining damage from a pot hole, crashing into a building, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverage – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like medical expenses, court costs and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, falling objects, damage from a tornado or hurricane, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for prosthetic devices, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Saving money is sweet as honey

Throughout this article, we presented many tips how you can get a better price on 2012 Jeep Grand Cherokee insurance. The key concept to understand is the more you quote auto insurance, the higher your chance of finding low cost auto insurance. Drivers may discover the most savings is with some of the lesser-known companies. These companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

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