2014 Jeep Grand Cherokee Insurance Cost – 10 Policy Discounts

Trying to find the cheapest auto insurance rates for your Jeep Grand Cherokee? Finding cheap auto insurance might be hard for drivers who are beginners to shopping for insurance online. With so many agents and insurers available, it can easily be a chore to lower your prices.

You should take the time to compare prices yearly because auto insurance prices go up and down regularly. Just because you found the lowest price on Grand Cherokee insurance last year you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn the best way to save money, get proper deductibles and limits, all at the lowest rate.

Choosing the best insurance company for you is not that difficult. In a nutshell, every vehicle owner who carries auto insurance should be able to save money. But vehicle owners should learn how insurance companies compete online because it can help you find the best coverage.

More discounts mean affordable premiums

Some providers do not advertise every discount very well, so the following list contains both the well known and also the lesser-known credits available to bring down your rates.

  • Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Save with More Vehicles Insured – Purchasing coverage when you have more than one vehicle on one policy can reduce rates for all insured vehicles.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
  • Accident Waiver – Not necessarily a discount, but a few companies such as Allstate and State Farm permit an accident without getting socked with a rate hike if you are claim-free for a specific time period.
  • Responsible Drivers – Insureds without accidents can pay as much as 50% less on Grand Cherokee insurance compared to rates paid by drivers with frequent claims.
  • No Claim Discounts – Drivers who stay claim-free pay much less when compared to bad drivers.
  • Memberships – Being a member of certain professional organizations could earn you a nice discount when getting a insurance coverage quote.
  • Onboard Data Collection – Drivers that enable companies to spy on driving patterns by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
  • Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety may get you a small discount if your company offers it.
  • Student Discounts – Excelling in school can be rewarded with saving of up to 25%. The discount lasts until age 25.

As is typical with insurance, some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

A partial list of companies that may have many of the previously listed discounts may include but are not limited to:

If you need cheaper insurance coverage quotes, ask every company to give you their best rates. A few discounts may not apply to policies in your state.

Car insurance ads bend the truth

Companies like GEICO, State Farm and Progressive continually stream ads on television and other media. All the ads make the same claim about how much you will save if you get a free insurance coverage quote and switch your policy. That’s great but how can every company sell you cheaper insurance coverage? You have to listen carefully.

Most companies quote the lowest rates for the type of driver that earns them a profit. For example, a profitable insured may be over the age of 40, owns a home, and drives less than 5,000 miles a year. Someone that meets those criteria will probably get cheap premium rates and as a result will probably save a lot of money.

Drivers who don’t measure up to this stringent profile may be forced to pay higher premiums which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save that much money. That is how companies can make claims that they all have the best premium rates. This illustrates why you should compare quotes as often as possible. It’s not possible to predict which car insurance company will provide the lowest auto insurance rates.

It’s not one size fits all

When it comes to choosing the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • Is my trailer covered?
  • Why am I required to get a high-risk car insurance policy?
  • Should I rate my 2014 Jeep Grand Cherokee as pleasure use or commute?
  • Are my tools covered if they get stolen from my vehicle?
  • What can I do if my company denied a claim?
  • When does my teenage driver need to be added to my policy?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Specifics of your car insurance policy

Having a good grasp of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision – This pays for damage to your Grand Cherokee resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like medical services, court costs, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for prosthetic devices, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle 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 gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, hitting a deer and damage from getting keyed. The highest amount 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.

Get your money’s worth

When shopping online for insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut comprehensive coverage or liability limits and learned later that it was a big mistake. Your goal should be to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

Low-cost 2014 Jeep Grand Cherokee insurance can be sourced online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide online rate quotes and most of the time these small, regional companies only sell through local independent agencies.

You just learned a lot of tips how to reduce 2014 Jeep Grand Cherokee insurance car insurance rates online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper insurance coverage. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Much more information about insurance is available at the links below