2016 Jeep Grand Cherokee Insurance Quotes – 7 Ways to Save

Tired of not being able to afford to make your car insurance payment? Your situation is no different than many other drivers.

Due to the abundance of options when it comes to car insurance, it is very difficult to pick a more affordable insurer.

Smart consumers take time to compare premium rates every six months due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you found the lowest price for Grand Cherokee insurance six months ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

Shop car insurance online

Most major insurance companies such as Allstate, Geico and Progressive make it easy to get coverage price quotes on their websites. Getting quotes is pretty easy as you just enter your required coverages into a form. Upon sending the form, the system obtains your credit score and driving record and gives you a price quote. Online price quotes makes it a lot easier to compare rates but having to visit multiple sites and complete many quote forms is a waste of time. But it’s absolutely necessary to perform this step if you want to find the best price on car insurance.

An easier way to find better car insurance pricing uses one form that analyzes rates from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online price comparison much simpler. After sending the form, it is rated and you can select any of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process only takes a few minutes and could lower your rates considerably.

To quickly compare pricing, click here and submit your coverage information. To compare your current rates, we recommend you enter deductibles and limits identical to your current policy. Doing this assures you will have an apples-to-apples comparison based on similar coverages.

Save a ton with these seven discounts

Some providers do not advertise every possible discount very clearly, so we break down some of the more common in addition to some of the lesser obvious insurance savings. If they aren’t giving you every credit available, you could be saving more on your insurance.

  • Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
  • E-sign Discounts – Some insurance companies may give you up to $50 for buying your policy on the internet.
  • Theft Deterent Discount – Cars and trucks that have factory anti-theft systems help deter theft and will qualify for a discount on a car insurance quote.
  • Low Mileage – Maintaining low annual mileage can qualify you for better rates on cars that stay parked.
  • Multiple Cars – Buying a policy with more than one vehicle on a single policy could earn a price break for each car.
  • Telematics Data – Drivers who elect to allow their company to spy on vehicle usage by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if their driving habits are good.
  • Professional Organizations – Being a member of qualifying employment or professional organizations could earn you a nice discount when shopping for insurance.

You should keep in mind that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, that’s just not realistic.

A list of companies and a selection of discounts are:

  • Progressive discounts include multi-policy, multi-vehicle, online quote discount, online signing, good student, continuous coverage, and homeowner.
  • AAA offers discounts including pay-in-full, multi-car, good driver, anti-theft, and AAA membership discount.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, youthful driver, multi-car, early shopping, teen driver, pay in full, and good student.
  • Geico includes discounts for anti-theft, air bags, driver training, membership and employees, and good student.
  • Esurance has discounts for Switch & Save, multi-car, emergency road assistance, homeowner, claim free, good student, and multi-policy.
  • SAFECO offers discounts for anti-lock brakes, teen safe driver, teen safety rewards, safe driver, bundle discounts, and anti-theft.
  • State Farm may offer discounts for Steer Clear safe driver discount, good student, Drive Safe & Save, multiple policy, good driver, driver’s education, and passive restraint.

When quoting, ask every prospective company what discounts are available to you. Some credits may not apply to policies in every state. To see providers that offer multiple discounts, follow this link.

What is the best insurance coverage coverage?

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions may help you determine if your situation would benefit from professional advice.

  • Can I rent a car in Mexico?
  • Am I covered when driving on a suspended license?
  • When would I need additional glass coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Is pleasure use cheaper than using my 2016 Jeep Grand Cherokee to commute?
  • Is a blown tire covered by insurance?
  • I don’t drive much so do I pay less?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

The coverage is in the details

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.

Auto liability insurance – This coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like repair bills for other people’s vehicles, medical services and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, theft and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like chiropractic care, dental work, doctor visits and surgery. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2016 Jeep Grand Cherokee.

Due to the fact that 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 is very important.

Collision coverage – Collision insurance will pay to fix damage to your Grand Cherokee resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle, scraping a guard rail, driving through your garage door and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Find Good Coverage for Less

Cheaper 2016 Jeep Grand Cherokee insurance is possible online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer rates over the internet and most of the time these smaller providers sell through independent insurance agents.

In this article, we covered many ideas to compare 2016 Jeep Grand Cherokee insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the best prices are with a lesser-known regional company. These companies can often provide lower rates in certain areas than their larger competitors like Progressive or Geico.

More information can be found at these links: