Cheap 2013 Jeep Grand Cherokee Car Insurance Rates

Want lower insurance coverage rates for your Jeep Grand Cherokee? Are you a victim of high-priced insurance coverage? Trust us, you are not the only one feeling buyer’s remorse.

You have so many insurers to buy insurance from, and although it’s nice to have multiple companies, it makes it harder to locate the cheapest rates.

Consumers should take time to get comparison quotes periodically due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the lowest rates on Grand Cherokee insurance on your last policy a different company probably has better rates today. You can find a lot of misleading information regarding insurance coverage on the web, but with this article, you’re going to get some excellent ideas to quit paying high insurance coverage rates.

How to Compare Auto Insurance Costs

Shopping for lower auto insurance rates can take hours if you don’t know the most efficient way to do it. You could spend the better part of a day talking about coverages with agents in your area, or you could use the web to maximize your effort.

Many popular insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each participating company can give them a price based on the submitted data. This prevents consumers from doing quotation requests for each company.

To find out how much you can save on auto insurance click here (opens in new window).

The single downside to doing it this way is buyers cannot specifically choose which insurance companies to get pricing from. So if you want to select from a list of companies to request quotes from, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare the exact same coverages for each price quote. If each company quotes different liability limits then you won’t be able to determine the best price for your Jeep Grand Cherokee. Just a small difference in limits may result in a large different in cost. It’s important to know that comparing more company’s prices will increase your chances of finding lower pricing.

Cut prices on Jeep Grand Cherokee insurance

Auto insurance companies don’t always advertise all available discounts very clearly, so we break down some of the best known and the more hidden car insurance savings.

  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on Grand Cherokee insurance.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

Car insurance companies that may offer these benefits may include but are not limited to:

Double check with each company how you can save money. Some discounts might not apply in your state.

Tailor your coverage to you

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • Do I have coverage if my license is suspended?
  • What if I total my 2013 Jeep Grand Cherokee and owe more than it’s worth?
  • When should I drop full coverage on my 2013 Jeep Grand Cherokee?
  • Can I still get insurance after a DUI?
  • What is the rate difference between pleasure use and commuting?
  • Do I need PIP coverage since I have good health insurance?
  • When can I cancel my policy?

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 an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Learn about insurance coverages for a Jeep Grand Cherokee

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, theft, falling objects and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for surgery, funeral costs, rehabilitation expenses, EMT expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, backing into a parked car, hitting a mailbox, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Jeep Grand Cherokee.

Due to the fact that 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 a good idea.

Liability

Liability coverage protects you from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, pain and suffering, legal defense fees and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Take this to the bank

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed liability coverage limits only to discover later that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Affordable 2013 Jeep Grand Cherokee insurance is definitely available on the web as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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