Buyers have lots of choices when searching for affordable Jeep Grand Cherokee insurance. You can either waste hours driving around trying to get quotes or save time using the internet to get rate quotes.
There is a right way and a wrong way to find car insurance online so we’re going to tell you the absolute fastest way to price shop coverage for a Jeep and locate the cheapest rates.
This article will teach you how car insurance quotes work and learn some tricks to saving. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Drivers just need to understand the tricks to shop on the web.
Car Insurance Comparisons
Finding a better price on car insurance can be relatively painless. Consumers just need to spend a little time to get quotes from different insurance companies. This can be done using a couple different methods.
- The recommended way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This type of form prevents you from having to do boring form submissions for every car insurance company. A single, simple form will return quotes from multiple low-cost companies. It’s definitely the quickest method.
- A more time consuming way to obtain and compare quotes online is to manually visit each company website and request a quote. For examples sake, we’ll pretend you want to compare GEICO, State Farm and GMAC. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.
- The hardest way of getting rate comparisons is to drive around to local insurance agencies. Shopping for car insurance online makes this process obsolete unless you have a need for the professional advice of a local agent. It is possible to compare the best prices online and get advice from an agent in your area and you’ll learn how to do that later.
Whichever method you choose, make sure you use apples-to-apples information for every quote you compare. If your comparisons have different liability limits it’s impossible to find the best deal for your Jeep Grand Cherokee.
Don’t pay full price with these discounts
The cost of insuring your cars can be expensive, but there are discounts available to reduce the price significantly. Some discounts apply automatically at the time of purchase, but a few need to be specifically requested before they will apply. If you don’t get every credit available, you’re just leaving money on the table when insuring your Grand Cherokee.
- Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
- Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
- Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
- Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
- Discount for New Cars – Insuring a new car can save up to 30% since new cars are generally safer.
- Student in College – Youth drivers who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
- Claim Free – Claim-free drivers can save substantially when compared with frequent claim filers.
As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. But any discount will help reduce your premiums.
Your personal situation dictates your coverage
When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.
For instance, these questions may help highlight if your situation will benefit from professional help.
- Do I have coverage when using my Jeep for my home business?
- What is the difference between comprehensive and collision coverage?
- Am I covered when driving in Canada or Mexico?
- Does my policy pay for OEM or aftermarket parts?
- When does my teenage driver need to be added to my policy?
- Should I file a claim if it’s only slightly more than my deductible?
- What are the financial responsibility laws my state?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.
