Trying to find better insurance prices for a new or used Jeep Grand Cherokee in Texas could be a painful process, but you can follow a few tricks and make it easy.
There is a right way and a wrong way to shop for car insurance and you need to know the quickest way to get price quotes for a new or used Jeep and locate the cheapest rates.
It’s a good idea to shop coverage around once or twice a year because rates are usually higher with each renewal. Even if you got the best price for Grand Cherokee coverage a couple years back you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the things you must know in order to eliminate unnecessary coverages and save money.
Finding Car Insurance in Texas
Performing a rate comparison can take time and effort if you don’t utilize the most efficient way to do it. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could use online quoting to get rate comparisons in just a few minutes.
The majority of car insurance companies belong to an insurance system where insurance shoppers submit their information once, and each company returns a rated price for coverage. This prevents consumers from doing quote requests for every car insurance company.
To find out what other companies charge click here to start a free quote.
The one disadvantage to pricing coverage this way is you don’t know exactly the providers to get pricing from. If you would rather choose specific insurance companies to compare rates, we have a page of low cost car insurance companies in Texas. Click here for list of insurance companies in Texas.
Whichever way you use, make absolute certain that you use apples-to-apples coverage limits on every quote. If each company quotes different deductibles it’s impossible to truly determine the lowest rate.
Jeep Grand Cherokee rates are made up of many parts
Smart consumers have a good feel for the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.
- One company can mean more discounts – Many insurance companies give discounts to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even though this discount sounds good, you may still want to comparison shop to verify if the discount is saving money.
- High deductibles save money – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Jeep from damage. A few examples of covered claims are colliding with a building, damage from fire, and burglary. Your deductibles are the amount of money you are willing to pay out-of-pocket before your car insurance pays a claim. The higher the amount you have to pay, the less your car insurance will be for Grand Cherokee coverage.
- Being married can save on car insurance – Being married actually saves money on your car insurance policy. Having a significant other translates into being more mature and responsible it has been statistically shown that being married results in fewer claims.
- Your age impacts your rates – Teen drivers in Texas are statistically proven to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
Lots of discounts mean lots of savings
Insuring your vehicles can cost a lot, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but a few need to be manually applied before they will apply. If they aren’t giving you every credit you qualify for, you are throwing money away.
- Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
- More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
- Accident Free – Claim-free drivers pay much less when compared with bad drivers.
- New Car Discount – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
It’s important to note that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, car insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.
Situations that might require an agent
When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique.
These are some specific questions could help you determine whether or not you could use an agent’s help.
- Should I have combined single limit or split liability limits?
- Do I need rental car coverage?
- What is covered by UM/UIM coverage?
- Does my car insurance cover rental cars?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- What discounts do I qualify for?
- Are there companies who specialize in insuring high-risk drivers?
- Does my insurance cover my expensive audio equipment?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.
Quote often and quote early
As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage and learned later they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Discount Jeep Grand Cherokee insurance can be bought both online in addition to many Texas insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
Consumers change insurance companies for a variety of reasons including being labeled a high risk driver, high prices, denial of a claim and even delays in paying claims. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.
Additional Texas consumer information
Additional car insurance information is located on the Texas Department of Insurance website located here. Texas consumers can read enforcement actions against agents and companies, view agent and company licensing information, find a variety of consumer forms, and find out industry alerts.
Other useful links include BankRate.com’s Car Insurance: When not to Skimp and GEICO’s Understanding your Auto Insurance.