Cut your Jeep Grand Cherokee Insurance Rates in Five Minutes
If shopping for auto insurance was more enjoyable, it would get done more often. But we always seem to pay too much for coverage and most people would rather go to the dentist. You probably feel the same way when trying to find cheaper coverage for your Jeep Grand Cherokee.
Step One: Compare Rates
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Life has gotten easier!
Comparing apples-to-apples price quotes for your Jeep Grand Cherokee is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Jeep Grand Cherokee.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Grand Cherokee is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Techniques to Lower your Grand Cherokee Insurance Rates
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Grand Cherokee insurance rates.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- The SUV class of vehicles generally has higher insurance rates due to the higher chance that you'll drive in adverse weather conditions.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- If your Jeep is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Purchase a New Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Grand Cherokee won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.