Lower Your 2024 Jeep Grand Cherokee 4xe Insurance Quotes

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Expensive Jeep Grand Cherokee 4xe insurance can take a big chunk out of your monthly budget and possibly require postponing other expenditures. Getting a rate comparison is a smart way to slash your bill and have more disposable income.

Lots of insurers contend for your business, so it can be very hard to choose a company to find the absolute cheapest price

It’s a great practice to shop coverage around as often as possible because insurance rates trend upward over time. If you had the best deal on Grand Cherokee 4xe insurance a few years ago you can probably find a better price now. Ignore everything you know about car insurance because you’re about to learn the fastest and easiest way to find better coverage at a better price.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. Finding affordable coverage is easy if you know what you’re doing. Although drivers need to have an understanding of the way companies price online insurance and use this information to your advantage.

Save with these discounts

Car insurance can cost a lot, but you can get discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you get a quote, but some need to be specifically requested prior to receiving the credit.

  • Federal Government Employee – Active or former government employment can earn a discount up to 10% on Grand Cherokee 4xe insurance with a few insurance companies.
  • Service Members Pay Less – Being deployed with a military unit could trigger a small discount.
  • ABS Brakes – Cars and trucks equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Safety Restraint Discount – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Discounts for Good Drivers – Drivers who avoid accidents could pay up to 40% less on Grand Cherokee 4xe insurance compared to accident prone drivers.
  • Include Life Insurance and Save – Select insurance companies reward you with a discounted premium rate on car insurance if you buy life insurance from them.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it appears you could get a free insurance policy, that’s just not realistic.

Popular insurance companies and a partial list of their discounts can be found below.

  • AAA may include discounts for multi-policy, AAA membership discount, multi-car, education and occupation, and good driver.
  • Progressive offers premium reductions for good student, continuous coverage, multi-policy, online quote discount, homeowner, and multi-vehicle.
  • State Farm may have discounts that include student away at school, good student, anti-theft, passive restraint, and Drive Safe & Save.
  • Esurance may offer discounts for claim free, safety device, emergency road assistance, multi-car, anti-lock brakes, Switch & Save, and good driver.
  • Nationwide offers discounts including easy pay, business or organization, defensive driving, Farm Bureau membership, and good student.

If you want cheaper auto insurance quotes, ask each insurance company which discounts you qualify for. All car insurance discounts might not be available to policyholders in your area.

Where can I get affordable insurance?

The are a couple different ways to compare rate quotes from many available insurance companies in your state. The easiest way by far to do a complete rate comparison is to perform an online rate comparison. It’s really quite simple and can be done using a couple different methods.

  1. Probably the best way to get quotes for comparison would be an industry-wide quote request form. This style of form saves time by eliminating boring form submissions for every company. Taking the time to complete one form will get you price quotes instantly.
  2. A different way to obtain and compare quotes online is spending the time to visit each company’s website to complete a price quote. For examples sake, let’s assume you want to compare GEICO, Safeco and Travelers. To get rate quotes you would need to navigate to each company’s site and punch in your information repeatedly, which can be really labor intensive.
  3. The most time-consuming method to price shop rates is to spend time driving to insurance agents’ offices. The fact that you can get quotes online eliminates the middleman unless you require the advice and guidance that can only be provided by a licensed insurance agent. Drivers can price shop online but still have the advice of a local agent.

Whichever way you use, make darn sure you compare equivalent information with every price quote. If you use higher or lower deductibles it will be impossible to get a fair rate comparison. Just slight variations in insurance coverages or limits could mean much higher rates. And when quoting insurance, remember that comparing more quotes helps locate a lower rate.

Get lower-cost insurance prices by understanding these factors

Multiple criteria are used in the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but other factors are more transparent like your vehicle usage or your commute time.

The factors shown below are some of the most rate-impacting factors used by insurance companies to determine your rate level.

  • Never allow your insurance to lapse – Not having insurance is a misdemeanor and any future policy may cost more because you let your coverage lapse. And not only will your rates increase, the inability to provide proof of insurance may earn you fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Bad driving leads to higher premiums – Getting just one speeding ticket can boost insurance rates by as much as twenty percent. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers unfortunate enough to have dangerous citations like DUI or willful reckless driving might be required by their state to complete a SR-22 with their state’s licensing department in order to prevent a license revocation.
  • Bad credit hurts insurance rates – An insured’s credit rating can be an important factor in calculating your premium rate. Drivers with very high credit ratings tend to file fewer claims than those with worse credit. Therefore, if your credit score leaves room for improvement, you could potentially save money when insuring your 2024 Jeep Grand Cherokee 4xe if you improve your credit rating.
  • High coverage deductibles save money – Comp and collision deductibles represent how much money you are willing to pay before your insurance pays a claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are a windshield broken by a bird, hail damage, or theft of your vehicle. The more money you choose to pay out-of-pocket, the less your insurance will be on Grand Cherokee 4xe insurance.

Special considerations

When buying proper insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions could help you determine if your situation will benefit from professional help.

  • How much liability do I need to cover my assets?
  • What if I total my 2024 Jeep Grand Cherokee 4xe and owe more than it’s worth?
  • What is high-risk coverage and where do I buy it?
  • Am I getting all the discounts available?
  • What is covered by UM/UIM coverage?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Beware of misleading car insurance ads

Companies like State Farm, GEICO and Progressive endlessly run ads on television and other media. All the ads make the same claim that drivers will save a bundle if you get a free auto insurance quote and switch your car insurance coverage to their company. How can each company claim to save you money? It’s all in how they say it.

Different companies give the best rates for the type of driver that will most likely be profitable. A good example of a preferred risk may be a mature driver, has other policies, and chooses high deductibles. Any new insured who fits that profile will get the preferred prices and will most likely pay quite a bit less when switching companies.

Consumers who are not a match for these stringent criteria must pay more expensive rates with the end result being business going elsewhere. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save money. This is how companies can truthfully make those claims.

This really drives home the point why you really should do a rate comparison at every renewal. It’s just not possible to know which company will be your best fit.

Auto insurance coverage options for a Jeep Grand Cherokee 4xe

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from auto insurance companies.

Liability car insurance – Liability coverage can cover damage that occurs to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, court costs, attorney fees, pain and suffering and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2024 Jeep Grand Cherokee 4xe.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liability limits.

Collision – Collision coverage pays for damage to your Grand Cherokee 4xe caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, hitting a bird, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance – Med pay and PIP coverage kick in for bills for things like X-ray expenses, rehabilitation expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

A fool and his money are soon parted

When getting auto insurance quotes online, never skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced liability coverage limits only to find out that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best cost, not the least amount of coverage.

In this article, we presented many ways to save on 2024 Jeep Grand Cherokee 4xe insurance. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding affordable auto insurance. Consumers could even find that the best price on auto insurance is with a smaller regional carrier. They can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

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