How Much Does 2012 Jeep Grand Cherokee Car Insurance Cost?

No one enjoys paying for insurance coverage, especially knowing their premiums are too high.

With so many options, it’s nearly impossible to pick the most affordable car insurance company.

Finding affordable coverage is easy if you know what you’re doing. Basically, every driver who is required by state law to have insurance stands a good chance to be able to reduce their rates. Although drivers should learn how insurance companies price insurance differently and use this information to your advantage.

These factors can influence what you pay for Jeep Grand Cherokee insurance

It’s important that you understand the factors that go into determining the rates you pay for auto insurance. Understanding what determines base rates helps enable you to make changes that may reward you with lower auto insurance prices.

  • Multi-policy discounts can save money – Some insurance companies provide better rates to people who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to verify if the discount is saving money. Drivers may still find better rates by buying auto insurance from a different company.
  • Poor driving leads to higher costs – Good drivers get better rates than bad drivers. Just one ticket can increase rates by as much as thirty percent. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Sex matters – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both have accidents in similar numbers, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Older drivers pay less – Older drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Teenage drivers are known to be less responsible behind the wheel therefore auto insurance rates are much higher.
  • Policy add-ons can waste money – There are a ton of extra bells and whistles that you can get tricked into buying on your Grand Cherokee policy. Insurance for roadside assistance, accidental death and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don’t need them eliminate the coverages to reduce your premium.

Which Car Insurance is Cheapest?

Performing a rate comparison can be a daunting task if you don’t understand the easiest way. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to maximize your effort.

Many companies take part in a program that allows shoppers to enter their coverage request one time, and at least one company can give them a price based on that data. This system prevents you from having to do quotation requests for every car insurance company. To submit your quote information now, click to open in new window.

The only drawback to doing it this way is you are unable to specify which companies you will receive quotes from. If you would rather choose specific insurance companies to receive pricing from, we have a page of low cost car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but double check that you are using exactly the same coverage information on every quote. If you compare different liability limits it will be impossible to determine the lowest rate for your Jeep Grand Cherokee. Quoting even small variations in coverage limits may cause a big price difference. It’s important to know that quoting more helps you find the best offered rates.

Save $411 a year. For real?

Insurance providers like State Farm, Allstate and Geico regularly use ads on TV and radio. They all say the same thing that you can save if you move to their company. But how can every company make almost identical claims?

Insurance companies can use profiling for the type of driver they prefer to insure. For example, a desirable insured could possibly be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A propective insured who matches those parameters is entitled to the best price and therefore will save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile will have to pay a higher premium and this can result in the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently make the claims of big savings. Because of the profiling, drivers must get as many quotes as possible. It’s not possible to predict the company that will give you the biggest savings on Jeep Grand Cherokee insurance.

Be sure to get all your discounts

Companies that sell car insurance don’t always advertise all available discounts very well, so we break down some of the best known and the more hidden ways to save on insurance.

  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for Grand Cherokee coverage with select insurance companies.
  • Homeowners Pay Less – Owning a house can save you money because of the fact that having a home requires personal responsibility.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.

To see a list of providers who offer insurance discounts, click this link.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For example, these questions can help discover if you may require specific advice.

  • Can I rent a car in Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I afford to pay high deductible claims out of pocket?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage information

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Jeep Grand Cherokee.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Liability coverages

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims like court costs, pain and suffering, emergency aid, medical services and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, vandalism, damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, rehabilitation expenses, surgery and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

We covered some good ideas how you can get a better price on 2012 Jeep Grand Cherokee insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance coverage comes from a smaller regional carrier. These companies often have lower prices on specific markets as compared to the big name companies such as Geico and State Farm.

Affordable insurance can be bought online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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