Jeep Grand Cherokee Insurance Rate Quotes in Cincinnati

We don’t have to tell you that car insurance companies don’t want you to look for cheaper rates. People who shop around for cheaper price quotes are likely to buy a new policy because there is a great chance of getting low-cost coverage. A recent survey revealed that people who routinely shopped for cheaper coverage saved as much as $72 a month as compared to drivers who never compared rates.

If finding the lowest price for Jeep Grand Cherokee insurance is your ultimate goal, then having a good understanding how to shop and compare insurance coverage can make it easier to find better rates.

If saving money is your primary concern, then the best way to find more affordable Jeep Grand Cherokee insurance in Cincinnati is to regularly compare quotes from insurers in Ohio.

• Step 1: Learn about the coverage provided by your policy and the factors you can control to drop your rates. Many things that result in higher rates like at-fault accidents, careless driving, and an imperfect credit history can be remedied by making lifestyle changes or driving safer.
• Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple companies.
• Step 3: Compare the new rates to your current policy to determine if you can save on Grand Cherokee insurance. If you can save some money, make sure there is no lapse in coverage.

A key point to remember is to try to compare the same amount of coverage on each price quote and and to get rates from every insurance company. This provides a fair rate comparison and the best price selection.

If you are already insured, you will be able to buy cheaper car insurance using these techniques. Locating the most cost-effective car insurance policy in Cincinnati can be much easier if you know how to start. But Ohio drivers do need to learn how the larger insurance companies compete online because rates are impacted by many factors.

Best companies for Jeep Grand Cherokee insurance

The following companies are ready to provide free quotes in Ohio. If you want the best cheap car insurance in Cincinnati, we suggest you get rate quotes from several of them to find the most affordable auto insurance rates.

Coverage information

The premium information shown below highlights estimates of prices for Jeep Grand Cherokee models. Learning as much as possible about how car insurance prices are determined is important for you to make decisions on the best policy to buy.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in vehicle garaging location which can increase or decrease prices considerably.

Rate comparison for different deductibles

When comparing car insurance rates, the most common question is how low should you set your deductibles. The comparison tables below can help illustrate the price difference when you buy lower versus higher comp and collision deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in vehicle garaging location which can change price quotes significantly.

Based on this data, using a $100 deductible will cost you approximately $26 more each month or $312 annually than opting for the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 35 months between claim filings, you would save more money if you elect the higher deductible.

The illustration below illustrates how your deductible choice and can affect Jeep Grand Cherokee insurance premiums for each age group. The premiums assume a single male driver, full physical damage coverage, and no additional discounts are factored in.

Does it make sense to buy full coverage?

The chart below illustrates the comparison of Jeep Grand Cherokee car insurance costs with liability coverage only compared to full coverage. The data is based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no set guideline to drop full coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s pretend your Jeep Grand Cherokee settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after the deductible is paid. If you are paying in excess of $600 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where only buying liability is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Lower-cost Jeep Grand Cherokee insurance quotes in Cincinnati

Some providers do not advertise their entire list of discounts in a way that’s easy to find, so here is a list some of the best known as well as the least known credits available to you.

• First Accident Forgiveness – This isn’t a discount exactly, but certain companies will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
• Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• Claim-Free Discount – Insureds who avoid accidents and claims get the best auto insurance rates as compared to frequent claim filers.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.
• Discounts for Good Drivers – Drivers who avoid accidents can pay as much as 50% less compared to accident prone drivers.
• Discount for Passive Restraints – Factory options such as air bags or automatic seat belts may qualify for discounts up to 30%.
• Active Service Discounts – Having an actively deployed family member could trigger a small discount.

As a footnote on discounts, many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.

The diagram below illustrates the comparison of Jeep Grand Cherokee car insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, homeowner, multi-policy, and claim-free discounts applied.

Larger auto insurance companies and a selection of discounts are detailed below.

• State Farm may have discounts that include driver’s education, safe vehicle, defensive driving training, accident-free, Steer Clear safe driver discount, multiple policy, and good student.
• GEICO offers discounts including anti-theft, multi-policy, air bags, anti-lock brakes, and defensive driver.
• Liberty Mutual offers discounts for newly married, safety features, teen driver discount, preferred payment discount, good student, and hybrid vehicle.
• The Hartford policyholders can earn discounts including vehicle fuel type, driver training, good student, air bag, defensive driver, and bundle.
• MetLife has discounts for defensive driver, multi-policy, accident-free, claim-free, good student, good driver
• Progressive discounts include continuous coverage, online quote discount, good student, online signing, and homeowner.

If you are trying to find cheaper Cincinnati auto insurance quotes, ask every company to give you their best rates. Savings might not apply in Cincinnati. To see a list of insurers who offer discounts in Cincinnati, click here to view.

Don’t assume everyone needs the same insurance coverage

Always remember that when buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that
For example, these questions can help discover if you would benefit from professional advice.

• Is my Jeep Grand Cherokee covered if I use it for business?
• Does every company file a SR-22 automatically?
• Do I get a pro-rated refund if I cancel my policy early?
• What is an adequate liability insurance limit?
• If my Jeep Grand Cherokee is totaled, can I afford another vehicle?
• Do I need higher collision deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance quotes from neighborhood Cincinnati auto insurance agents

A lot of people still prefer to buy from a licensed agent and doing that can be a smart decision The best thing about getting online price quotes is the fact that drivers can get lower rates and still have a local agent. And providing support for neighborhood agents is definitely important in Cincinnati.

Upon completion of this quick form, your insurance data is sent to companies in Cincinnati that provide free Cincinnati auto insurance quotes for your car insurance coverage. There is no need to find an agent on your own because prices are sent to your email. You can find lower rates and a licensed agent to work with. If you wish to get a comparison quote from a specific company, don’t hesitate to visit that company’s website and complete a quote there.

Independent or Exclusive: It’s your choice

When looking for a local Cincinnati insurance agent, you should know the types of agencies and how they function. Insurance agencies in Cincinnati may be either independent or exclusive depending on the company they work for.

Independent Car Insurance Agents

Agents of this type are appointed with more than one company and that is an advantage because they can write policies with any number of different companies and get the cheapest rates. If prices rise, your policy is moved internally which makes it simple for you. If you need lower rates, we recommend you contact independent agents so that you can do a thorough price comparison.

Shown below is a partial list of independent agencies in Cincinnati who may be able to give you rate quotes.

View more Cincinnati agents

Exclusive Car Insurance Agencies

Exclusive insurance agents work for only one company such as AAA, Allstate, and State Farm. These agents are not able to provide rate quotes from other companies so keep that in mind. Exclusive agents are well schooled on their company’s products which can be an advantage.

Listed below are exclusive agencies in Cincinnati that are able to give price quote information.

View more Cincinnati agents

Finding the right car insurance agent shouldn’t rely on just the price. These are some valid questions you should ask.

• Do they see any coverage gaps in your plan?
• How often do they review coverages?
• Is there any savings for paying the full premium?
• Is there a Errors and Omissions policy in force?
• Will they take your side in the event of a claim?

Insurance policy coverages for a Jeep Grand Cherokee

Knowing the specifics of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Liability coverages

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like court costs, medical services and structural damage. How much liability coverage do you need? That is up to you, but buy as much as you can afford. Ohio requires drivers to carry at least 25/50/25 but it’s recommended drivers buy better liability coverage.

The chart below shows why minimum state limits may not be enough coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for chiropractic care, surgery, prosthetic devices, dental work and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, fire damage, rock chips in glass and a broken windshield. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Jeep Grand Cherokee.

Since many Ohio drivers only purchase the least amount of liability that is required (Ohio limits are 25/50/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance will pay to fix 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 then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, hitting a parking meter, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible on your Grand Cherokee in order to get cheaper collision rates.

Quote. Compare. Save.

Throughout this article, we presented many tips how you can compare Jeep Grand Cherokee insurance prices in Cincinnati. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the most savings is with a smaller regional carrier. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

The cheapest Jeep Grand Cherokee insurance in Cincinnati can be bought online as well as from insurance agents, so you should compare both to get a complete price analysis. Some companies may not provide internet price quotes and many times these smaller providers only sell coverage through local independent agencies.

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

• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• How Much are Auto Insurance Rates for Young Drivers in Cincinnati? (FAQ)
• Who Has Affordable Cincinnati Auto Insurance Rates for Drivers Over Age 50? (FAQ)
• What Insurance is Cheapest for a Ford F-150 in Cincinnati? (FAQ)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Avoiding Deer Collisions (Insurance Information Institute)