2015 Jeep Grand Cherokee SRT Insurance Quotes

Overpriced Jeep Grand Cherokee SRT insurance can overdraw your checking account and force you to make sacrifices. Doing a price comparison is a smart way to tighten up your finances. Multiple car insurance companies compete for your business, so it’s not easy to compare every insurance company to discover the definitive cheapest price

If you are insured now or are just looking to switch companies, you can use these techniques to get lower rates and possibly find even better coverage. Finding affordable coverage is not that difficult. Drivers only need an understanding of the most efficient way to compare company rates over the internet.

Jeep Grand Cherokee SRT insurance rates consist of many parts

It’s important that you understand the factors that help determine the rates you pay for insurance coverage. Understanding what impacts premium levels enables informed choices that can help you get big savings.

  • Low deductibles can be expensive – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Jeep. A few examples of covered claims could be colliding with a building, collision with an animal, and burglary. Deductibles for physical damage are how much you are willing to pay before a claim is paid by your company. The more expense you have to pay, the bigger discount you will receive for Grand Cherokee SRT insurance.
  • Younger drivers pay higher rates – Older drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers are known to be careless and easily distracted behind the wheel and because of this, their insurance coverage rates are much higher.
  • One company can mean more discounts – The majority of insurance companies give discounts to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you’re getting this discount it’s still a good idea to compare other company rates to verify if the discount is saving money.
  • Marriage pays dividends – Having a spouse actually saves money on your policy. It translates into being more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Little extras can really add up – There are a ton of extra coverages that you can get tricked into buying on your insurance coverage policy. Insurance for roadside assistance, accidental death and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Jeep earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Credit scores impact insurance coverage rates – A driver’s credit score is a big factor in determining what you pay for insurance coverage. So if your credit history is lower than you’d like, you could save money insuring your 2015 Jeep Grand Cherokee SRT by improving your rating. Consumers who have good credit tend to be less risk to insure than drivers with poor credit.
  • Liability coverage protects you – Liability insurance is the coverage that protects you if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

Lower rates by qualifying for discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply when you complete an application, but less common discounts must be asked for before you get the savings. If you don’t get every credit possible, you are paying more than you should be.

  • Homeowners Savings – Owning a house may earn you a small savings because maintaining a house shows financial diligence.
  • Driver Safety – Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Organization Discounts – Belonging to certain professional organizations is a good way to get lower rates when shopping for auto insurance for Grand Cherokee SRT insurance.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Grand Cherokee SRT insurance than less cautious drivers.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Grand Cherokee SRT insurance.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will reduce your overall premium however.

A partial list of companies that possibly offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

Switch companies and save? Really?

Consumers can’t ignore all the ads for car insurance savings by State Farm and Allstate. They all say the same thing that you’ll save big after switching to their company.

How do they all make almost identical claims? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of driver that makes them money. A good example of a preferred risk might be over the age of 50, has no driving citations, and has excellent credit. A customer who fits that profile gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t qualify for the “perfect” profile will be charged a higher premium and this can result in the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that much. This is how companies can truthfully advertise the savings.

That is why you need to compare many company’s rates. Because you never know which insurance companies will have the lowest Jeep Grand Cherokee SRT insurance rates.

Car insurance is unique, just like you

When it comes to buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. These are some specific questions could help you determine whether or not you might need professional guidance.

  • Which is better, split liability limits or combined limits?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need motorclub coverage?
  • Which companies will insure high-risk drivers?
  • How do I file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • I don’t drive much so do I pay less?
  • What is the ISO rating for a 2015 Jeep Grand Cherokee SRT?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverages and their meanings

Knowing the specifics of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.

Auto collision coverage

Collision coverage covers damage to your Grand Cherokee SRT resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for things like doctor visits, surgery and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are identical to your policy’s liability coverage.

Coverage for liability

This can cover injuries or damage you cause to other people or property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, repair bills for other people’s vehicles, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

In conclusion

We covered a lot of techniques to compare 2015 Jeep Grand Cherokee SRT insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the smaller companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

Discount insurance can be found from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

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