How to Save on Phoenix Jeep Grand Cherokee Insurance

Would you like to stop wasting money and find more affordable Jeep Grand Cherokee insurance in Phoenix? Tired of scraping the payment together to make your car insurance payment? You have the same problem as the majority of other vehicle owners in Arizona.

Astonishng but true according to a recent study, the vast majority of consumers have been with the same company for at least four years, and almost 40% of drivers have never even shopped around for cheaper coverage. Drivers in Arizona can save 50% each year just by getting comparison quotes, but most tend to underestimate the big savings they would realize if they bought a different policy.

Due to the fact that there are so many car insurance companies to choose from, it can be hard to pick the cheapest insurance company.

Jeep Grand Cherokee insurance discounts in Phoenix

Insurance can be pricey, but there could be significant discounts that can dramatically reduce your bill. Certain reductions will be credited when you get a quote, but some need to be asked about prior to getting the savings.

• Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
• Multiple Vehicles – Purchasing coverage when you have several vehicles on a single policy can get a discount for every vehicle.
• Professional Organizations – Being in qualifying employment or professional organizations is a simple method to lower premiums on your bill.
• Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
• Military Rewards – Having a deployed family member may qualify for rate reductions.

As a sidenote, most discounts do not apply to the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.

Companies and a selection of discounts are shown below.

• GEICO offers discounts for anti-lock brakes, anti-theft, membership and employees, multi-vehicle, five-year accident-free, and good student.
• SAFECO includes discounts for teen safety rewards, teen safe driver, safe driver, bundle discounts, and anti-lock brakes.
• State Farm may have discounts that include multiple policy, student away at school, driver’s education, anti-theft, good driver, multiple autos, and passive restraint.
• MetLife discounts include good student, claim-free, good driver, defensive driver, and accident-free.
• 21st Century may offer discounts for defensive driver, early bird, automatic seat belts, teen driver, 55 and older, homeowners, and anti-lock brakes.
• Progressive offers discounts including online quote discount, multi-vehicle, continuous coverage, homeowner, good student, and online signing.

If you want inexpensive Phoenix car insurance quotes, ask each company which credits you are entitled to. Discounts may not apply to policyholders everywhere.

The quickest method to get rate comparisons for Jeep Grand Cherokee insurance in Phoenix is to know the trick most of the larger companies will pay a fee to provide you with a free rate quote. The one thing you need to do is provide a small amount of information like which vehicles you own, driver details, marital status, and if you require a SR-22. Those rating factors gets transmitted to all major companies and they respond with quotes instantly.

If you would like to compare rates now, click here then complete the form.

The companies shown below are our best choices to provide comparison quotes in Arizona. If multiple companies are listed, we recommend you visit several of them to get the cheapest price.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific location information which can increase or decrease premium rates significantly.

Annual premiums comparing men and women in Phoenix

The illustration below shows the difference between Jeep Grand Cherokee insurance costs for male and female drivers. The information is based on no claims or driving citations, full coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Drive safe and save

The example below shows how traffic citations and at-fault claims impact Jeep Grand Cherokee auto insurance costs for each different age category. The price estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

Physical damage deductible comparison

The hardest decision when buying coverage is which deductible level should you buy. The rates shown below may aid in understanding the difference in cost between low and high insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second data table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in specific location information which can decrease or increase rates noticeably.

We can derive from the above data that using a $250 deductible would cost the average driver about $13 more each month or $156 annually than requesting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 19 months between claims, you would probably be better off if you choose the higher deductible. The table below illustrates how you can decide this on your own policy.

You may need help from an agent

Certain consumers would rather have an agent’s advice and that can be a great decision The best thing about getting online price quotes is you can get better rates and still choose a local agent. And providing support for neighborhood insurance agencies is still important in Phoenix.

Upon completion of this simple form, your insurance data is emailed to insurance agents in Phoenix who will give competitive quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to find an agent since price quotes are sent directly to you. You’ll get the best rates AND a local agent. If you have a need to compare rates from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.

Shown below is a short list of insurers in Phoenix willing to provide comparison quotes for Jeep Grand Cherokee insurance in Phoenix.

More Phoenix agents

Selecting an insurance company is decision based upon more than just a cheap price. Here are some questions you might want to ask.

• Does their agency support local causes in Phoenix?
• Is the coverage adequate for your vehicle?
• Where would your vehicle be repaired?
• What company holds the largest book of business for them?
• Will the quote change when the policy is issued?
• How much will you save each year by using a higher deductible?

If you get reasonable responses to all your questions and a low price estimate, you may have just found an provider that will insure your vehicles.

Car insurance coverage breakdown

Having a good grasp of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.

Coverage for medical payments – Med pay and PIP coverage pay for expenses for things like chiropractic care, surgery and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability – This can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/10 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and $10,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like emergency aid, structural damage, medical expenses and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but you should think about purchasing more coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Arizona drivers only carry the minimum required liability limits (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Collision – This coverage covers damage to your Grand Cherokee resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible on your Grand Cherokee to bring the cost down.

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, damage from flooding, fire damage and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Compare but don’t skimp

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In many cases, someone dropped full coverage only to find out that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

Budget-conscious Jeep Grand Cherokee insurance is attainable on the web and with local Phoenix insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don’t offer internet price quotes and many times these small, regional companies work with local independent agencies.

More tips and info about insurance can be found by following these links:

• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• Who Has Affordable Phoenix Car Insurance Quotes for a 20 Year Old Male? (FAQ)
• Who Has Cheap Phoenix Auto Insurance Quotes for Homeowners? (FAQ)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Distracted Driving Statistics (Insurance Information Institute)
• Older Driver Statistics (Insurance Information Institute)